She's On The Money

The dentist can be spenny, but necessary. So what happens when you can’t afford an appointment? And what if your treatment is kinda important or worse… urgent? This week on Friday Drinks, we discuss a Money Dilemma that questions whether we can ever really afford to miss health-related appointments when we’re in debt. We also answer a DM that’s all about diversification and whether buying diversified ETFs is enough. If you’ve been afraid to ask the question or considering how to diversify your portfolio, this episode’s for you. New here? Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA our zero-judgement support network for money tips. Ask questions, share rec’s, and celebrate your wins with a like-minded community of 300,000+. And follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Spoiler: ETFs aren’t that deep. So why are so many of us (okay, you) still so intimidated by them when it comes to investing? On this week’s Deep Dive, Bec and Victoria cover the acronym that’s causing a stir in our comments section. Exchange Traded Funds or ETFs are just one of the ways that many Aussies are investing, and for good reason too. They’re a bundle of shares that give you some healthy exposure to a range of companies, industries and asset classes that you mightn't have otherwise. In this episode, we’ll cover what ETFs are, how they work, and why they’re such a compelling investment option. Thanks to our episode partners Sharesies, we’ll show you how to get started on their platform, as well as which ETFs have risen in popularity in recent times (and why!). From percentages to performance, common mistakes and money tips, learn how to make your money work harder for you with ETFs. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here. SHARESIES CODE: Sign up for the investing platform Sharesies, use the code SOTM10 and deposit any amount and Sharesies will give you a bonus $10 to invest. NEW HERE? Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram @shesonthemoneyaus for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

This week’s Money Diary is one of those “wait… this is actually so relatable” conversations. She’s a newly admitted lawyer who spent years living paycheck to paycheck while studying, prioritising travel over investing and genuinely having no idea what an ETF even was. Fast forward a few years and life suddenly got very expensive, very quickly. An apartment. A wedding. A honeymoon. Another holiday. A puppy. Moving costs. Furniture. And somewhere in the middle of all of that, she and her husband had the slightly nauseating realisation that they’d spent hundreds of thousands of dollars in a year… without really stopping to think about where any of it was actually going. And honestly? I think a lot of people will see themselves in this one. We talk about the pressure to buy property because everyone else is doing it, the reality of owning an apartment with brutal body corporate fees, lifestyle creep, ADHD hyper-fixation becoming an unexpected budgeting superpower, and what happened when she finally sat down and looked at her finances properly. Now she’s investing 40% of her income, building a portfolio she actually understands, and rethinking what financial security is supposed to look like in the first place. This one feels a little bit like a group chat with your financially self-aware friends. Slightly chaotic. Slightly confronting. But in the best way. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. GET VICTORIA'S BUDGETING SYSTEM: Master your money here.NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Okay… this one still feels a bit surreal to say out loud. Right after the federal budget dropped, I sat down with Australia’s Prime Minister, Anthony Albanese, and Finance Minister Katy Gallagher to ask the questions our She’s on the Money community actually wants answered. We covered a lot. We spoke about housing affordability, negative gearing, capital gains tax changes, childcare costs, women’s health, paid parental leave, fuel prices, the gender pay gap and what the government is actually doing about the cost of living pressure Australians are feeling right now. We also had a really honest conversation about why the government changed its position on negative gearing, and whether politicians genuinely understand how financially stretched people are feeling. But because this is still She’s on the Money… things also went slightly off the rails. We somehow ended up talking about ChatGPT, Bluey, subscription creep, the Met Gala, free McDonald’s burgers, sourdough, single people being forgotten by the system, and the Prime Minister’s thoughts on Sabrina Carpenter’s outfit choices. Which, to be fair, was not where I expected budget week to go. If you’ve been trying to make sense of what just happened in Canberra, this is the budget breakdown you actually want to hear. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Right after the federal budget dropped, I sat down with some of Australia’s most powerful ministers and political voices to ask the questions our community actually cares about. Not the polished political talking points… the real stuff. Housing affordability, childcare costs, rising bills, negative gearing, fuel prices, domestic violence support, women’s financial security and whether Australians are genuinely better off after this budget. Across this bonus episode, I speak with Housing Minister Clare O'Neil, Social Services Minister Tanya Plibersek, Infrastructure Minister Catherine King, Climate Change and Energy Minister Chris Bowen and Independent MP Monique Ryan about what this budget actually means for Australians trying to buy homes, leave violent relationships, pay power bills, raise kids and build financial security in an economy that feels increasingly hard to keep up with. We also get into the politics behind negative gearing reform, whether the government has gone far enough on housing, why childcare still feels impossible for so many women, and what politicians really think when Australians say their paychecks simply aren’t stretching anymore. Some of their answers genuinely surprised me. Hi friend, we’re She’s on the Money, an Australian finance podcast here to help you feel more confident with your money. From understanding your money story, to actually sticking to a budget, to starting to build wealth in a way that feels doable. We’ve got hundreds of hours of podcast episodes and loads of free resources to help you get started. Some links to get you on your way:https://bio.site/shesonthemoney The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFL - 451289. See omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

The federal budget has dropped… and Australians have opinions. So Victoria sat down with Australia’s Treasurer, Jim Chalmers, immediately after the budget announcement to ask the questions everyone actually wants answered. From negative gearing and capital gains tax changes to the cost of living crisis, fuel prices, housing affordability, tax cuts and why blueberries suddenly cost what feels like a small mortgage repayment. They also get into the political backlash surrounding the budget, why the government changed its position on housing tax reform, whether Canberra is disconnected from how tough things feel financially right now, and what Treasurer Chalmers says Australians fundamentally misunderstand about the federal budget. There’s also unexpected chat about ChatGPT, air fryers, pocket money, coffee machines, influencers, and what it actually feels like to hand down a budget while the internet calls you “The Jim Reaper.” If you’ve been trying to make sense of what just happened in Canberra, this is the budget breakdown you actually want to hear. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Sometimes being nosey pays off. Other times, it reveals that your partner hasn’t paid off their $40k credit card debt. Stressy and a little scandalous, this week’s episode of Friday Drinks covers a Money Dilemma about whether a listener should use their reno savings to help pay off her partner’s business debt. All $140,000 of it. And, is debt worse if it’s a secret? This week’s DM comes from a listener who stumbled across something they wish they hadn’t… their boyfriend’s secret $40k credit card debt. We tackle the question of confronting a partner when they’ve hidden something from you. Whether you’ve done the snooping or you’re the one in debt, this episode is all about tackling financial hurdles as a couple, one conversation at a time. PAY IT DOWN: Debt doesn’t have to rule your life. Here’s a playlist dedicated to paying it down. (https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=IiGL0k__TQinry6vjofVeA) WANT VICTORIA’S BUDGETING SYSTEM?: Master your money here (shesonthemoney.com/the-money-masterclass) NEW HERE? Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram @shesonthemoneyaus for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com)See omnystudio.com/listener for privacy information.

This episode is what happens when financial planning and family planning have a baby. Why is it that egg-freezing and IVF feel like buzzwords; distant things that are only relevant once we (or the people we care about) start to consider the options? This changes now. Joining us on this week’s Deep Dive is sought-after fertility specialist and friend of the pod, Doctor Nicole Hope. The Medical Director at NewLife IVF has helped people to conceive and grow families for the last 20 years. Naturally, we pitched her all of your spicy DMs about financing your fertility journey, covering costs, rebates and whether you can tap into your super to fund it all. From payment options to insurances and the difference between various treatments, tune-in for an in-depth discussion about the economics of fertility with NewLife IVF. CW: During this episode we discuss pregnancy and fertility; topics that some of our listeners might find confronting or triggering. If this is true for you, we recommend skipping the episode until you’re ready to return to it, or simply tuning in for next week’s Deep Dive. Please do what feels right for you. BUDGETING FOR BIGGER THINGS? Yoink. Please swipe our free downloadable budgets over at shesonthemoney.com/download-resources and bring your goals that much closer. Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.Follow us on Instagram @shesonthemoneyaus for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com)The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

The federal budget officially dropped at 7:30pm tonight, but we recorded this episode from inside Budget Lock-Up BEFORE the rest of the country got their hands on it. At 6pm, while the internet was still speculating and journalists were speed-reading hundreds of pages of announcements and fine print, we sat down inside Parliament House to unpack the headlines we think actually matter to our community. Victoria is joined by Glen James from Money Money Money and Vince Scully from Retire Right, who also happens to own our financial services licence, which you’d think would mean we’d be on our best behaviour… but unfortunately that’s not what happened. Together, we break down:• the negative gearing and CGT changes everyone’s about to argue about• what the tax cuts actually mean for your wallet• housing affordability and first home buyers• women’s health funding• cost-of-living relief• and why the global oil crisis is suddenly impacting Australian households Plus, we had a cameo appearance from Katy Gallagher, Minister for Finance herself. This episode is landing slightly later than we planned because the audio quality wasn’t where we wanted it to be and after surviving Budget Lock-Up, the least we could do was make sure it didn’t sound like we recorded it through a microwave. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Have you ever thought, “maybe I’ve missed my chance.” This weeks diarist started uni three separate times and dropped out every single one. Worked 50-hour weeks in retail management for minimum wage. Genuinely believed that without a degree, there was a limit to what she’d ever earn or achieve. Relatable. Then life happened. A baby. A relocation. A partner changing careers. Another baby. A mortgage. A massive amount of imposter syndrome. But somewhere in the middle of all of that, she met a leader who saw something in her before she could fully see it herself… and everything started to shift. Now she’s 33, earning $140k in HR with no degree, investing for the first time, raising two kids, navigating a very real mortgage, and trying to work out how anyone affords dining chairs without having a small emotional breakdown. This conversation felt really honest. Not in a “perfect with money” way. More in a “figuring it out while life is happening” kind of way. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

It’s all too familiar. Work has you burning you out. And even your manager has suggested that you take some time off. So, why does it still feel weird to accept the offer, especially when you’re desperate for a break? In this week’s Friday Drinks we cover that icky feeling some of us get around taking leave, even though it literally exists to be used. Beyond the stigma, we unpack how taking stress leave might affect your insurances and what to consider before submitting your request. Say it with me: you cannot call yourself a financial adviser if you do not have a license (an AFSL). In this episode, we answer a DM that sends up more red flags than a carnival. A community member asks if she should take advice from an unlicensed financial adviser, even if it’s free. Hear us *calmly* explain why unsolicited advice is illegal, and could actually end up costing you more. Besties don’t let besties get scammed. WHO THE HELL IS HAMISH? Here’s a link to the series about a super-scammer, mentioned on the pod, where an unfortunate number of innocent people were scammed out of their super. The moral of the story? It could happen to anyone! Don’t let that be you. SUSS OUT YOUR COVERAGE Our partners at Skye Wealth are personal insurance pros. Learn more about them over here at skye.com.au. As long standing referral partners, we only ever recommend people we trust. NEW HERE? Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram @shesonthemoneyaus for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements See omnystudio.com/listener for privacy information.

Manifesting home-ownership, but priced out of buying a house? Maybe building your own is the way to go. But where do you even begin? She’s on the Money’s Jessica Ricci joins Bec Syed on the Deep Dive couch to tell us everything she’s learned (so far) about her building journey. After recently going through the preconstruction phase, Jess shares updates around pre-build appointments, budget considerations and just how important it is to read your contracts. We’ll hear about the loan application process, fixed-price building costs, as well as what is (and isn’t) included along the way. If you’ve ever wondered about the benefits of building versus buying, why it pays to have a broker, or simply want to know what you should know before you start, this episode is for you. GET YOU A MORTGAGE BROKER: Whether you’re applying for a land or building loan, having a broker on your team makes all the difference. Chat to the friendly team at Zella, who’ll act as your loan liaison. Visit zella.com.au for more information. BEFORE YOU BUILD, BUDGET: Scope creep? We don’t know her. Manage every step of your own building journey with free templates at shesonthemoney.com/download-resources. NEW HERE? Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram @shesonthemoneyaus for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com)See omnystudio.com/listener for privacy information.

You know when you meet someone younger than you and think… oh. You’re doing money better than I was. That’s this week’s Money Diary. She’s 21, still at uni, working multiple jobs and quietly building a six-figure portfolio. Not loudly, not perfectly… just consistently. Working in luxury retail, she’s watching people her age spend entire paychecks while she’s investing hers instead. Which, honestly, says a lot. This one isn’t about perfection. It’s about starting early, thinking differently, and what that can actually turn into. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Finding it hard to keep your cool when share prices are plummeting? Tap ‘play’ for instant relief from hasty portfolio decisions. In this week’s Friday Drinks, we’re reminding one wary investor of how it pays to stay level-headed when the sharemarket has you feeling off-kilter. If you too are wondering if you should sell your shares during an economic downturn, this episode may have you reconsidering things. The DM gods have delivered! This week we discuss a destination wedding-themed dilemma that questions how much you should gift a family member, if you’re already attending their very expensive overseas wedding. And, yes, we cover whether they’ve specified, ‘no gifts expected’. And whether they mean it. Plus, Jess will be sharing Money Wins from within the community and Bec’s got Broke Tips to help push your dollar further. This week’s Question of the Week? Guess you (and your pet) will have to tune in to find out…

The cash rate. It’s up. It’s down. Honestly, it’s giving ‘chaos’ when it comes to our everyday spending. Almost as if the cash rate rules everything around us… In this week’s Deep Dive, we’re taking on the RBA; who they are, what they do, and how they call the shots when it comes to the cash rate. We’ll explain how often they meet, what facts influence their rate decisions and how to be more financially prepared for whatever they throw at us. Because whether you’re investing, running a business, looking for a job or simply trying to get by, the cash rate impacts us all. Consider this episode a cheat sheet for what the Reserve Bank of Australia actually looks like and how to read the signs before the notifications roll in. We’re covering all the gory details including: inflation data, unemployment rates, wage growth, everyday spending, housing prices and how global factors impact our economy. With real life examples, plus savvy money moves you can make to help prepare for the shifts, this episode will help you finally make sense of it all. So, if you’ve been a bit mystified by the RBA, how they decide on our cash rate, and why those rates might cause celebration or commiseration, this episode’s for you. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

She went from owing money to everyone… to building her dream home. This week’s Money Diary is a story about starting over. After having kids and going through a separation, she found herself navigating life as a single mum on one income, with the kind of financial pressure that leaves no room for error. But instead of staying stuck, she rebuilt. New mindset, new boundaries, and a completely different approach to money and relationships. Now she’s earning six figures in sales, has a deposit ready, and is about to start building her home. We get into what actually changed, how she approached money the second time around, and why being honest about finances early on made all the difference. It’s a reminder that your money story isn’t fixed… even if it feels like it is. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. GET VICTORIA'S BUDGETING SYSTEM: Master your money here.NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Be honest… are you actually spending more, or does it just feel that way?In this week’s Friday Drinks, we’re unpacking the very real confusion between lifestyle creep and the rising cost of literally everything. If you’ve looked at your bank account lately and thought “how am I spending this much when I’m not even doing anything outrageous?”… this one’s for you.We’re also diving into a DM that hits a little close to home. What happens when you’re the one making all the financial decisions in your relationship… not because you want to control everything, but because your partner just isn’t interested? How do you get them involved without turning into the nag, and how do you stop carrying the guilt?Plus, as always: Jess brings the community money wins Bec delivers broke tips that actually work (especially if you’re in your “survival week” era) And we answer your Question of the Week, which might make you feel very seen…

If you’ve opened your investing app lately and immediately closed it again… this one’s for you. The share market has been all over the place, headlines are talking about global uncertainty, and it’s very easy to feel like you should be doing something with your investments or your superannuation right now. So let’s talk about it. Victoria and Bec break down what’s actually driving the market movements, what’s behind the recent drops, and how global events are flowing through to Australia and your portfolio. And more importantly… what to do next. Because when the market dips, the instinct to panic, sell your investments, or switch your super to something “safer” can feel like the right move… but it’s often the most expensive one. If you’ve been wondering what to do when the market drops, or feeling unsure about your investing strategy right now, this will help you make sense of it and feel a whole lot calmer about what comes next. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.SHARESIES CODE MENTIONED IN THE EP: Sign up for the investing platform Sharesies, use the code SOTM10 and deposit any amount and Sharesies will give you a bonus $10 to invest. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

This week’s Money Diary is from a 31-year-old nurse who fell pregnant at 30… while single and working 70-hour weeks. At the time, money wasn’t the problem. She was earning well, picking up shifts, saying yes to everything and just getting on with life. But there wasn’t much structure behind it. It was busy, but not necessarily intentional. And then everything shifted. Not because she didn’t have enough, but because she suddenly had a reason to think about money differently. To slow down, to plan, and to actually build something that could support her and her child. This episode isn’t about starting from scratch. It’s about taking what you already have and learning how to use it properly. It’s about stepping into a new version of your life, ready or not, and figuring it out as you go. It’s honest, it’s a little bit messy, and it’s a really powerful reminder that you don’t need everything perfectly mapped out to make it work. Sometimes it’s not about earning more. It’s about getting intentional with what you’ve already got. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

This week’s Friday Drinks starts off fun… and ends in absolute chaos. Because what do you do when you get headhunted and try to negotiate your salary, only for it to completely backfire? Job offer gone. Pay rise denied. And now you’re stuck wondering if being honest at work just worked against you. We definitely had some opinions.As always, we also unpack a DM from someone in our community who found themselves in exactly that situation, and it opens up a bigger conversation about loyalty, transparency, and knowing your worth. Because in theory, you did everything ‘right’ but the outcome says otherwise.Before we spiral (in a productive way), we also get into a Money Dilemma that feels very relatable if you’ve ever dipped your toe into investing. What happens when you realise you might be doubling up on ETFs? Same underlying investments, different funds, and suddenly you’re questioning everything. We break down what’s actually going on there, what “hedged” really means, and whether this is something you need to fix or just part of the learning curve.There’s also the usual Friday Drinks chaos. Jess shares Money Wins that prove the small things really do add up, Bec’s got Broke Tips that are equal parts clever and questionable, and a conversation about what we’d all do if money genuinely didn’t matter, which tells you more about us than it probably should.If you’ve ever second-guessed a money decision, questioned your job, or wondered if you played something wrong, this one’s going to feel all too familiar. NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289See omnystudio.com/listener for privacy information.

If you’ve been feeling like you need to make a bit more money right now… this episode is for you. This week, Jess and Bec are getting nosy (in the best way) and diving into the real side hustles our community is using to bring in extra cash. And not the usual “fill out surveys” kind of advice… actual, clever ideas that are working. From people turning small ideas into proper income streams, to flexible gigs you can start on the side of your 9–5, this episode is full of inspiration if you’re trying to get ahead or just want a little more breathing room in your budget. Some of these are surprisingly simple. Some are a bit more creative. All of them will make you think, “okay… I could actually do that.” If you’ve ever said “I should probably get a side hustle” but didn’t know where to start… this is a very good place to begin. POINTS HACKING EPISODE: Points Hacking (No Credit Card Required)MORE SAVINGS HACKS EPISODES: I’m Bored. Give Me Your Most Unhinged Savings HacksFREEBIE: Get our free savings challenge resource here. NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 45128See omnystudio.com/listener for privacy information.

What actually happens when you start investing… and just figure it out as you go? In this week’s Investing Diary, we’re chatting to a Money Bee who has been on a full journey over the last four years. Blue chip stocks, trying to time the market, accidentally buying multiple ETFs that all hold the same companies… nothing has been off limits. It’s the kind of story that will make you feel a lot better about your own investing decisions. We talk about what it looked like starting out with a $10,000 head start, how confidence can quickly turn into “I can outsmart the market” energy, and the moment you realise your strategy might not be as solid as you thought. There’s also a really real conversation about ETFs and diversification, especially when you think you’re spreading your investments… but you’re actually doubling up without realising. Plus, we get into the emotional side of investing, like watching your portfolio move up and down, and how to stay consistent when everything feels a bit chaotic. We also cover the practical side of things, including choosing an investing platform, the differences between CMC and Sharesies, and why automating your investments can be the thing that keeps you on track long term. This episode is relatable, a little bit chaotic, and genuinely helpful. If you’ve ever wondered whether you’re “doing investing right” or felt unsure about your strategy, you’re going to see yourself in this one. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

This week’s Friday Drinks is a little bit rogue… and we’re not mad about it. We’re diving into a money dilemma from someone earning a very impressive income… but feeling completely burnt out, overwhelmed, and stuck. Think multiple mortgages, a business, big financial commitments, and the very real question of “how do I change my life when everything depends on this income?” It’s a conversation about burnout, lifestyle creep, financial pressure, and what happens when your income grows… but so do your responsibilities. We also get into a DM that has us asking: is a gift really a gift if it costs you money to use it? Because while a surprise trip sounds generous in theory… it hits a little differently when you’re the one footing the bill for flights, food and everything in between. Plus, as always, we’re sharing your community money wins (including a very satisfying warranty moment and a first-time investor win), and broke tips that are equal parts clever and chaotic. If you’ve ever felt stretched too thin, financially committed to the point of stress, or quietly annoyed at a “gift” that wasn’t really a gift… this one’s going to hit. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4See omnystudio.com/listener for privacy information.

If you’ve opened your phone this week and seen headlines about billions or even trillions being “wiped” from the share market… this episode is for you. Because yes, it sounds dramatic. And yes, it can feel a little bit scary. But also… it’s not exactly what you think is happening. In this week’s Deep Dive, we’re unpacking what’s actually going on when the market drops, why the news makes it sound so much worse than it is, and what you should be thinking about instead of panic selling everything and calling it a day. We talk about why the share market is basically just one big emotional girl, how global events like interest rates and oil prices flow through to your portfolio, and why uncertainty makes investors act a little bit unhinged. There’s also a really important distinction between a market “correction” and a full blown crash… because they are not the same thing, no matter what the headlines are telling you. We also get into the part that actually matters. What do you do when your portfolio is down? Why selling in a panic can leave you worse off, and how long term investors think about moments like this instead. This is the episode you need if you’ve ever opened your investing app, seen red, and immediately questioned every decision you’ve ever made. LEARN TO INVEST CONFIDENTLY: Our Investing Masterclass is open, enroll here. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

What happens when you hit rock bottom with money… and decide to completely turn your life around? In this week’s Money Diary, we meet a She’s on the Money community member who left home at just 16, became a young single mum, and found herself living below the poverty line with no financial literacy, mounting debt and her power literally being cut off. Fast forward to today… she’s built a career in banking, earns $95,000 a year, owns her home, has repaired her credit score and is now investing for her future. This is a story about resilience, rebuilding and what it really looks like to go from financial chaos to financial confidence. Plus, we talk budgeting, credit cards, investing strategies and how to take control of your money even when you feel completely overwhelmed. If you’ve ever felt behind, ashamed of your money situation, or unsure where to start… this episode will remind you that it’s never too late to turn things around. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

It’s a Jess and Bec takeover this week (while V is still on mat leave… but don’t worry, she’s back very soon

If you’ve ever looked at your bank account after booking a holiday and thought… “well, that was financially irresponsible” — this episode is for you. In this week’s Deep Dive, we’re talking all things travel and money. Because yes, you absolutely deserve to see the world… but ideally without coming home to financial chaos. We’re breaking down the smartest (and slightly underrated) ways to save money on travel without sacrificing the experience. Think less “skip the holiday” and more “travel smarter, not poorer.” We chat: How to find the cheapest time to travel (and why timing matters more than you think) The flight booking tricks that can literally save you hundreds Why where you book your flights from can change the price (yes, really) The “Goldilocks window” for booking flights so you don’t overpay How to rebook hotels when prices drop and lock in better deals The apps and tools that can score you discounted meals while travelling How to avoid sneaky international fees and currency traps Budget accommodation hacks that aren’t grim (including a genius uni dorm trick) And the small, realistic habits that can save you hundreds over a single trip Because travel isn’t a bad money goal. In fact, research shows spending on experiences actually makes us happier. But going into debt for it? Not the vibe. This episode is your permission slip to book the trip… and your game plan to do it in a way your future self will thank you for. POINTS HACKING EPISODE: Points Hacking (No Credit Card Required)MORE SAVINGS HACKS EPISODES: I’m Bored. Give Me Your Most Unhinged Savings HacksFREEBIE: Get our free savings challenge resource here. NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 45128See omnystudio.com/listener for privacy information.

If you think being made redundant would completely derail your finances… this week’s Money Diary might change your mind. Our diarist is a 32-year-old mum of two who’s worked hard since childhood, built a strong corporate career… and then had her world flipped upside down. A serious injury, two redundancies in one year, and some very big financial decisions, all happening at once. But instead of playing it safe, she did something else. She backed herself. From launching a brand-new business (that’s already turning a profit), to buying a $400k property with 100 acres and a creek running through it, this is a story about resilience, strategy and redefining what financial success actually looks like. We chat: What it’s really like to be made redundant… twice How she went from corporate marketing to launching her own business The reality of starting a business with young kids (and a lot on the line) Selling shares to fund big life goals Building wealth outside of the “traditional” Sydney property dream And the mindset shift from working hard… to working smart This episode is equal parts practical and inspiring, and a reminder that sometimes the thing that feels like a setback… is actually the start of something much bigger. If you’ve ever wondered “could I actually do something different?”… this one’s for you. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. GET VICTORIA'S BUDGETING SYSTEM: Master your money here.NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

V is back in the studio (and yes… she brought Cami along for a very cute cam(i?)o because apparently she couldn’t stay away). If you hear any cute baby noises throughout the episode, this time it isn't Bec! This week we’re getting into two questions that feel very “this could go really well… or really not.” First up, a dilemma we know so many of you are quietly thinking about. Should you ever sell your shares to fund a house deposit? We break down when it might make sense, what you’re potentially giving up, and how to think about the trade-off between investing and getting into the property market. Then, a DM from the community that had us all leaning in. Is buying an investment property with family a smart financial move… or a disaster waiting to happen? We’re talking boundaries, expectations, legal structures and what can go wrong (because let’s be honest, money and family can get complicated very quickly). It’s practical, a little bit spicy, and exactly the kind of conversation you want to have before you make a big financial decision. NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289See omnystudio.com/listener for privacy information.

If you’ve been trying to make sense of what’s actually going on in the share market right now… this is your cheat sheet. In this week’s Deep Dive, we’re getting into the investing trends that defined 2025. Where the money actually went, what investors were prioritising, and what it all says about how people were really feeling about their finances last year. We’re talking: The ETF boom (and why everyone and their group chat is suddenly investing in them) The shift from “growth at all costs” to diversification, income and a little bit of caution What’s actually going on when people start moving into bonds, debt funds and so-called “defensive” assets The industries that quietly (and not so quietly) delivered huge returns… hello mining and precious metals And the standout stocks that had everyone talking, including one Aussie company that shot up over 300% We also break it all down in plain English. No jargon, no gatekeeping, just a clear look at what’s changed and why it matters for you. Because while it’s fun to look at the 300% and 500% returns (we love a bit of investing gossip), the real story of 2025 isn’t about picking the next winner. It’s about building something that can actually survive whatever comes next. If you’ve ever wondered whether you’re “doing investing right”… or just want to understand what everyone else seems to be talking about, this one’s for you.CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.SHARESIES CODE: Sign up for the investing platform Sharesies, use the code SOTM10 and deposit any amount and Sharesies will give you a bonus $10 to invest. Join our She's on the Money community AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo and relatable money memes that just get you.Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

If you think losing your job would set you back financially… this week’s Money Diary might change your mind. In 2018, our diarist lost her corporate role and six-figure salary overnight. What followed wasn’t a scramble to replace it, but a decision to finally back herself and start the business she’d been putting off. What began as a one-woman operation in a granny flat is now a multi-million dollar business with a team of 20. We chat about the leap, the reality behind the growth, and what it actually takes to build something from nothing. If you’ve ever thought “could I do that?”… this one’s for you. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. GET VICTORIA'S BUDGETING SYSTEM: Master your money here. NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Period products are one of the most normalised monthly expenses in women’s lives… but have you ever stopped to ask why?Why is this something women are expected to pay for, no questions asked… when it’s not optional?In this episode, Victoria sits down with Remy Tucker, founder of On The House, the business challenging the status quo by making period products free. After working in healthcare and seeing firsthand how lack of access impacts women, Remy decided this wasn’t something we should just accept… and built a business to change it.We’re talking about period inequity in Australia, the real impact it has on women’s lives, and the innovative “negative priced” business model that’s getting brands to fund products instead. Because this isn’t just a conversation about periods… it’s about access, equity, and who’s been footing the bill all along. FOLLOW REMY + ON THE HOUSE:Find On The House on Instagram and learn more about their mission and impact.MORE BUSINESS & CAREER EPISODES: Check out our careers playlist.Join our She's on the Money community AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo and relatable money memes that just get you.Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Would you love to start and investing club with your friends? That’s exactly what this week’s Money Diarist did. Inspired by the investing club her mum started with friends more than two decades ago, she sent a message to a few girlfriends with a simple idea. What if they pooled a little money together, learned about the share market as they went, and invested as a group? That message turned into a fully fledged club called ASX in the City. There’s a shared account, monthly contributions, spreadsheets tracking their portfolio and a voting system for deciding which stocks make the cut. Along the way they’ve learned about ETFs, picked a few winners, had the occasional “problem child” investment and built something many people wish they had… a space where talking about money actually feels normal. In this episode she shares how the club works, what they’ve learned along the way and why investing doesn’t have to be something you figure out alone. By the end of this episode there’s a very good chance you’ll be hitting up your friends to start your own ASX and the City. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

You're saving. You’re investing. You’re working towards your financial goals..... and yet somehow you’re still stuck in the exact same place? This week’s Friday Drinks is all about that weird financial headspace where you technically know you’re doing the right things, but it doesn’t feel like progress, because you've got so many goals you're working towards. We talk about why that feeling is way more common than you think, and the simple shift that can help you actually see the momentum you’ve already built. Then we get into a career debate that a lot of you will have opinions on. A community member is six months into a job that’s seriously affecting their mental health and keeps hearing the same advice from older generations: never leave before 12 months. But is that actually still true in today’s job market… or are we holding ourselves to rules that don’t really apply anymore? Plus we've got all your fave money wins and broke tips,Friday fun to start the weekend right. WANT OUR NETWORTH TRACKER: It's part of our Investing Masterclass here. MORE CAREER EPISODES: Our How to Build a Successful Career podcast playist NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289See omnystudio.com/listener for privacy information.

What would actually happen if you couldn’t work tomorrow… and your income just stopped? Because here’s the uncomfortable truth: Insurance isn’t gender neutral. Women experience more time out of the workforce, more chronic and reproductive health conditions, more mental health claims, and we live longer. This episode breaks down exactly how being a woman changes your insurance, why women claim more, and what that means for your safety net. If you’ve ever assumed your cover is “probably fine” because it’s in your super, this episode might change your mind. In this ep:

If you've ever asked yourself if personal insurance is really worth it... you need to listen to the episode! This week’s Money Diarist always considered herself a finance girl. She was working, studying finance on the side, investing, and saving for her first home. The kind of person who had an emergency fund and she even had her personal insurances sorted. Then, exactly 1 year after she set up her cover, she was diagnosed with stage four Hodgkin’s lymphoma. Within a week she was starting chemo, she couldn't work and the life she’d been carefully building suddenly looked very different. But the financial foundations she’d put in place meant she didn’t have to make decisions from panic while navigating the biggest challenge of her life. Now, as she approaches the end of treatment, she’s reflecting on how the experience reshaped her relationship with money, priorities, and what actually matters when life throws the unexpected your way. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. GET VICTORIA'S BUDGETING SYSTEM: Master your money here.NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

International Women’s Day is this weekend, and while we love celebrating incredible women, it also felt like the perfect time to talk about some of the very real career trade-offs a lot of us are still navigating *and this episode comes with a content warning below*.So if one job offers a higher salary and paid parental leave… but almost zero flexibility. The other pays less, but gives you more freedom. With kids potentially on the horizon, which one actually sets you up better long term? We unpack the parental leave maths, the reality of juggling work and childcare, and why flexibility can end up being one of the most valuable things a workplace can offer. Then we had a community member write in because she was concerned about her friend. Her partner earns significantly more, keeps most of the money himself, and has shut down her plans to go back to study because it would affect his income. From the outside it feels like a huge power imbalance… but it raises the question is this actually financial control. What would you do when you notice something in a friend’s relationship that doesn’t sit right? It opens up a really thoughtful conversation about financial independence, the invisible cost of motherhood, and how to raise concerns with a friend in a way that is supportive rather than confrontational. As always, the community also had a lot to say on this one.CONTENT WARNING: This episode talks about coersive control and financial abuse which might be triggering for some listeners. If you, or a friend needs support 1800 RESPECT offers free, confidential counselling and resources. You can visit them here. NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289See omnystudio.com/listener for privacy information.

Everyone keeps saying “just use your equity” like it’s some kind of cheat code to getting rich… but what does that actually mean? To break it all down properly, Victoria sits down with Mortgage Broking queen Jaclyn Walsh to breaking down equity properly. We're talking what it is, how much you can really get, why the bank doesn’t see it the way you do, and when using it can genuinely accelerate your wealth. Because yes, equity can be powerful... but it can also lock you into more debt, more risk, and less flexibility if you don’t understand how it works.In this ep:

If you’ve ruled out owning property because you don’t have a 20% deposit… or you’re single… or your salary isn’t over $100k, well this week’s Money Diary is here to show you it’s possible without any of that. This time last year our diarist was in a share house that wasn’t great for her mental health, assuming she’d be renting forever. The decision to move back with her parents at 30 didn’t feel like a strategy, it felt like she was going backwards. But her sister challenged her to use that time to her advantage instead of wasting it, so she did. She paid off her credit card, got intentional about saving, and instead of scrolling past it, she decided to properly understand the 2% Help to Buy scheme most people assume won’t apply to them. We chat what the government’s equity stake actually means in real life, and the practical moves that turned “that’s not realistic for me” into keys in her hand. If you’ve taken property off your vision board, this one might make you rethink what’s actually possible. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. GET VICTORIA'S BUDGETING SYSTEM: Master your money here.NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Property is supposed to be the ultimate safety net… so why does it sometimes just feel like stress (and a second full-time job you never applied for)? Today we’re getting into the accidental landlord era. AKA what happens when your old home becomes an investment property, but you actually hate being a landlord? We’re talking profit maths, property managers, emergency funds, what “safety net” really means, and the truth about whether you could even move back in if things went sideways.Then it gets very spicy with a DM that asks: should you give your partner your banking password? They don’t live together, it’s not a shared account.... and suddenly we’re in full red-flag territory. We break down financial boundaries, fraud risks, what the banks actually say and the difference between transparency and handing over the keys to your emergency fund. Plus of course, your money wins, elite broke tips, and your classic Friday chaos. WANT TO INVEST IN PROPERTY WITHOUT BEING A LANDLORD?: Listen to our episode You Can Invest in Property With $5. Yes, Really. (A Beginner’s Guide to REITs)MORE MONEY & RELATIONSHIPS EPISODES: We've got a whole playlist here. NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

You’ve got investing questions… because wanting to build wealth and still being confused is completely normal. And instead of pretending we all have it figured out, we handed the show over to you, and let you pick Victoria’s brain on everything you’ve been wondering about shares. Does $10 a week actually matter? Is two ETFs enough? And how do you know if your strategy is completely off? We’re answering these and more, because if you’ve had a question, chances are the rest of the community has had it too!In this ep:

Have you been waiting to start investing because you’re scared you’ll get it wrong? This week’s Money Diarist started with a hot stock tip from her Dad and then it… didn’t perform. Instead of spiralling, she levelled up. She stopped chasing individual shares and started understanding what she was actually buying. She started automating her investing so emotions weren’t running the show (and she wasn't checking her app every 5 minutes). Now at 32, she has around $100,000 in shares, another $100,000 sitting in her offset, and roughly $140,000 in super... on a regular salary This ep is proof that investing does not reward perfection. It rewards consistency.SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. VISIT OUR INVESTING HUB: You'll find all our best investing freebies, resources, courses & podcast playlists here.NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289.See omnystudio.com/listener for privacy information.

You know that moment where you see your HECS balance, and immediately reconsider every life choice you made at 18? This week we’re unpacking that HECS regret spiral. We chat through what banks actually care about (and what they don’t), whether HECS is really the villain in your home ownership story, and when paying extra off it is a smart move versus just an anxiety-driven one. Then we slide into a workplace dilemma that starts off generous and slowly gets… uncomfortable. It opens up a much bigger conversation about money boundaries, being the “nice” one, and how easily financial habits between people can get blurry if you don’t reset them early. Plus we've got all your money wins, your broke tips, and the usual Friday chaos.NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Being single isn’t a money downgrade… it’s just a different rulebook. One where you’re covering the full cost of life, making every decision solo, and are somehow expected to hold it all together. So this ep is all about ditching the idea that life (and finances) only get easier once you’re partnered, and giving you the tools to build something solid, confident, and completely your own so you thrive in your single era and beyond. Inside this ep:

Ever looked at house prices and thought that could never be me? This week’s Money Diarist had that exact moment. She was newly married, with $50 in the bank after the honeymoon, watching Sydney property prices climb while they were still trying to get ahead. So instead of accepting their fate as “forever renters,” they made a decision most people talk about, but don’t actually follow through on... they packed up and moved to a regional town. It meant leaving behind friends and family, and starting again in a place where they didn’t know anyone. And no, it wasn’t instant success. There were setbacks, second guesses, and plenty of moments where they wondered if they’d made a huge mistake. If you’ve ever felt locked out of home ownership, this one might just shift your entire perspective. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. GET VICTORIA'S BUDGETING SYSTEM: Master your money here.NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289.See omnystudio.com/listener for privacy information.

You know you should be investing… You’ve heard the words bonds and ETFs.... but which one is going to make you better off? This week we’re putting bonds and ETFs head to head. What they are, how they behave, and why it’s less about choosing a winner and what it's more about instead. The we help out a community member who's tax accountant is giving red flag behaviour. So we're chatting what’s normal, what’s absolutely not, and how to protect yourself if something feels off. Plus, we've got all your fave money wins, your broke tips, and the Friday chaos to kick of the weekend the right way. Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. LISTEN: Podcast episode on bondsOur full investing playlist FIND A FINANCIAL ADVISOR OR ACCOUNTANT: Get matched with a financial advisor or accountant that matches your situation here.NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

If you believe the finance bros on TikTok, debt recycling is the magic wealth building hack everyone with a home should already be using. But is it really that simple? So, in this episode, we’re looking beyond the hype to explain what debt recycling actually is, how it works in the real world, when it can work well and why it’s not a shortcut or a strategy that suits everyone. In this ep:

You don’t need a uni degree to earn $180k a year. This week’s Money Diary proves it. Oh and did we mention she’s only 24?!?! So of course Victoria gets pervy about how she actually got there. The career moves that paid off. The money habits that stuck. And what earning big this young really feels like when the stakes are high. We also unpack the full story behind the two properties she owns, including the one she bought with a friend. Spoiler. It did not end well. This episode goes into what happens when the plan makes sense on paper, but the relationship falls apart, and how she handled the fallout without everything blowing up. If you want proof that there’s more than one way to build wealth, this episode is for you. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. GET VICTORIA'S BUDGETING SYSTEM: Master your money here.NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289.See omnystudio.com/listener for privacy information.

Have you ever been offered financial help that sounds generous… but you're worried if it comes with strings attached. This week’s Friday Drinks dives into one of those emotionally loaded money decisions: whether to let your parents go guarantor so you can get into the property market sooner, when you’re already worried about boundaries and control. We unpack what a guarantor loan really means (and what it doesn’t), why the 20% deposit rule isn’t as rigid as people think, and how to weigh financial opportunity against mental health. Then we answer a dilemma from a community member that needs surgery that needs to be privately funded, so we put all her options on the table from taking the money out of super to upping her private health and even whether it's something you can get a loan for.... with the pros and cons to consider for each of course. Add in money wins, broke tips, and a very honest chat about how we actually manage work life balance, and this ep is the perfect mis clarity, validation, and plenty of Friday chaos. Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here.NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

The biggest money glow-ups rarely come from one big decision. They come from the small changes you stack without realising how much they’re adding up. So this episode is all about the small, low-effort money habits that have made our community richer. We talk about the tiny switches that stop impulse spending, the boring admin that pays you back, and the systems that run in the background so you don’t have to. If you like the idea of “lazy girl finance” but still want real results, this one’s for you.In this ep: