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 👀). We kick things off with Jess sharing her money wins, because we love a little financial main character energy to start the episode. Then we get into a dilemma that feels a bit too real. What do you do when a debt has snowballed way beyond what you originally owed… and is there actually a way to negotiate it down? We unpack what your options might look like, what’s realistic, and where to even start. And then a DM slid into our inbox that had us thinking about the long game. What’s the best way to set your kids up financially? We chat through the different approaches, what actually makes a difference, and how to balance giving your kids a leg up without overcomplicating it. Plus, we read out one of your five-star reviews (which we are obsessed with, by the way). If you’ve been loving the show, you can leave us a review on Apple Podcasts or drop your thoughts on Spotify, we genuinely read them all and love sharing them with the community. As always, it’s a little bit chaotic, very real, and full of the money conversations we should probably be having more often. 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.

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.

This week on Friday Drinks, we’re answering one of your questions straight from the SOTM community… and let’s just say, it’s one we get asked a lot. Can you actually use your super to buy property? Short answer: yes. Longer answer: it’s a lot more complex than TikTok might have you believe. We break down how it works, what the catch is, and why it’s definitely not a strategy to jump into without understanding the fine print.  We also dive into a DM that sparked a big conversation both in our inbox and in the studio.Whose responsibility is it to pay for your parents’ funeral? It’s one of those questions that doesn’t have a neat, one-size-fits-all answer. We unpack the financial, emotional and cultural layers behind it, and share our own perspectives on what feels fair (and what doesn’t). Plus, if you’ve ever had a money question you’ve been too scared to ask, this is your reminder that you can send it to us. Drop us a voice memo via our website and we might answer it on the show. You spill, we help. Beep. 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.

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: 💸The uncomfortable stat behind why women claim more💸What a past mental health diagnosis really does to an application (and why it’s not always permanent)💸Why pregnancy, mat leave and part time work can affect your cover 💸How conditions like endometriosis, PCOS and family cancer history are actually assessed 💸Trauma vs income protection vs private health, and why they are not interchangeable💸When exclusions can be reassessed, reduced, or removed entirely💸Why DIY applications can accidentally make you uninsurableSORT 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. EVEN MORE EPISODES: Listen to our insurance playlist 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 - 45128  See omnystudio.com/listener for privacy information.

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: 🏡 The equity myth most people believe🏡 Why the bank can say no (even when your house has skyrocketed)🏡 The 80% rule banks use to decide how much you actually get🏡 When equity can boost your wealth… or cap your future borrowing🏡 Why a value drop can leave you owing money after you sell🏡 What question you should ask before releasing a single dollar of equity IF YOU WANT TO KNOW IF YOU HAVE EQUITY: You can contact the team at Zella hereand find them on Instagram. MORE PROPERTY EPISODES: Check out our How to Buy and Save For Property playlist. FREEBIE: Get our She's on the Money Mortgage rate calculator 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.

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 - 451289See 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: 📉 The $10 a week habit that quietly builds wealth📉 The tax mistake that scares people off investing (and why it shouldn’t)📉 What actually happens when you hit “sell”📉 The short term investing trap that can cost you📉 Ethical investing, ESG, and the greenwashing grey zone📉 Why finance TikTok is not your research strategy… and what should be insteadCHECK 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 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 - 451289See omnystudio.com/listener for privacy information.

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 - 4451289See 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 - 451289See 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:💅Why a man is not a financial plan💅How to reset your budget for solo living💅Smarter ways to handle “the singles tax”    💅Financial planning that actually works on one salary and real life💅The mindset shift that turns being single into financial advantageFURTHER LISTENING: How Much Super Do You Really NeedMORE SINGLE MONEY INSPO: Our single finances playlistFREEBIE: Download Chelsea’s $10 meal planINVESTING CODE MENTIONED: Sign up to Sharesies, use our code SOTM10, deposit any amount and get $10 to invest. T&Cs apply. SORT YOUR INSURANCES: With Skye Wealth here. We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust.  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.

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 - 4451289See 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 - 451289See 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: 💰Why debt recycling looks like a no brainer on TikTok💰What it actually means for your mortgage (and your cash flow)💰The risks of the strategy finance bros don’t talk about💰How to tell if it’s smart move for you, or a stress bomb waiting to go off💰The foundations you need before even thinking about it💰When debt recycling can build wealth and when it can backfire**Note: This episode was recorded last year in preparation for Victoria’s maternity leave, so it was recorded before last week’s cash rate rise. If you’re wondering what that change might mean for your mortgage, we’ve got a free mortgage tracker you can use here. FIND A FINANCIAL ADVISOR: Get matched with a financial advisor 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.  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.

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 - 4451289See 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: 💰Why “low effort” doesn’t mean low impact when it comes to money💰A five-minute money decision with a big ROI💰Which clever banking feature our community swear by to stop impulse spending💰How a once-a-year bill review cuts costs (without changing providers multiple times)💰Why short no-spend resets stick when long challenges don’tPOINTS 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.

This week’s Money Diary is a property rollercoaster. One that starts off feeling sensible… and then does three loop-de-loops. Our diarist bought, renovated, sold, and started building again while raising a family and spending long stretches on one income. Then a builder collapse meant she had to find $75k more to cover costs.She shares how she kept things steady when cash flow was tight, the calls she made to protect her family, and the point where she realised property didn’t have to do all the work on its own. You’ll hear how investing entered the picture later and what finally helped things feel less fragile. This one shows what it looks like to adapt when your plans change, without everything falling over. 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 sttanding referal patnership with Skye Wealth and only ever partner with people we trust. GET VICTORIA'S BUDGETING SYSTEM: Master your 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 don’t need spare cash to make your future better. You just need to make sure the future fund you already have is working as hard as it can for you. Super is usualy one of the last things we think of when it comes to our finances. It’s boring, it’s confusing, and it feels like a future problem. But quietly? It’s one of the easiest places to make real impact without changing a single thing about your day to day life. This is the last episode of our Summer Starter Series (episodes 1-4 are linked below), and it’s all about the $0 moves that can seriously change your long term outcome. We’re talking log in, check a few settings, log out in a better financial position. Victoria walks you through a proper super hygiene check, how to compare funds without falling for shiny marketing, and why your investment option matters way more than most people think. If super has been sitting in the too hard basket, or you’ve been quietly feeling behind without knowing why, this is the reset that makes everything feel clearer.MORE EPS ON SUPER: The small tweaks that could make you a millionaire LISTEN TO EP 1: Budgeting and Cash FlowLISTEN TO EP 2: Managing DebtLISTEN TO EP 3: Making Saving EasierLISTEN TO EP 4: Protecting Yourself with Personal Insurance FREEBIES: All our best free money resources in the 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.

Which one makes more money sense? Smashing down your mortgage faster, or putting that money to work in shares? This week’s Friday Drinks opens with one of the most divisive money questions we get, and Victoria gets very honest about how she approaches it in her own life. She walks through what she prioritises when building wealth, the maths she actually uses to make sure every dollar is working it's hardest for her, and why the answer that feels obvious, isn’t always the one that makes you richer. Then things get spicy. Like, properly spicy. A community member slid into our DMs convinced her late father-in-law’s partner is lying about his will and the real cost of the funeral. We unpack what really happens when someone dies without a will, where money goes first, how estates are handled, and what to do when your gut says something’s off but the situation is already emotionally loaded. And because it's Friday we’ve got all the usual fun and chaos you love to start the weekend the right.FURTHER LISTENING: What happens to your money when you die? WEDDING BUDGET: Get the SOTM wedding budget here.THE BEST SOTM FREEBIES: Your 2026 Fresh Start: Free Money Tools You’ll Love 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.  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.

Everyone wants to give their kids the best start in life, and investing for them feels like the obvious answer… right up until the tax rules turn the whole thing into a mental no go zone. So how do you set your kids up financially without accidentally handing a chunk of it to the ATO, overcomplicating your life, or creating a problem you’ll have to untangle later?  This episode is all about how to invest in the share market for your kids in a way that actually makes sense. We talk through how to choose the right setup for your family, the strategies that can legally minimise tax (Spoiler alert: Those tax rules might might be as scary as you think, once you see the numbers), and why the way you invest now can shape how your kids think about money as adults. If you care about giving your kids a real financial head start, this episode is a must listen. In this ep:📈Why investing for kids is really about building confidence with money, more than just the dollar amount📈The biggest investing advantage kids have that adults can’t buy later📈Why starting small for kids now can matter more than waiting till you have a lump sum to invest📈How the shares and ETFs you chose can effect how much tax you pay (and what to look for)📈A real-world example that shows why tax on kids’ investments isn’t always as scary as it sounds📈The setup questions to answer now, so you’re not second guessing yourself laterSHARESIES KIDS ACCOUNTS: Learn all about their new kid's investing accounts here.Sign up for a Sharesies adult account using the code SOTM10 and get $10 to invest when you make your first deposit of any amount.See omnystudio.com/listener for privacy information.

January 26 isn’t just another public holiday. For many First Nations Australians, it marks the beginning of invasion and the impacts of colonisation that are still felt today. That’s why we're interupting your normal Money Diaries programming to bring you this conversation, with very special guests  Laura Thompson and Sarah Sheridan. Laura and Sarah are the co-founders of Clothing The Gaps, the Aboriginal led and controlled, and majority Aboriginal owned business and social enterprise behind the Not A Date To Celebrate campaign. In the ep they explain what often gets missed in the public debate, how economic empowerment plays a role in real, lasting change, how First Nations–led businesses approach impact differently, and what refectful and informed support can look like on this date and beyond. EPISODE LINKS: Clothing the Gaps websiteNot a Date to Celebrate campaignSign the petition here.Download their MP letter 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 would you do if you woke up tomorrow and couldn’t earn an income anymore? How long would it be before your safety net ran out? In the forth episode in our Summer Starter Series, the conversation tackles the foundation most people skip, even though it’s just as important as budgeting, saving, or managing debt. Because every money plan relies on one thing first. Your ability to earn money. In this episode, Victoria breaks down why protecting your income is non-negotiable if you actually want your financial progress to hold up in real life. We walk through the types of personal insurance that matter, what income protection really does, and why default cover through super often isn’t enough.This isn’t about worst-case fear or scare tactics. It’s about smart risk management, so one unexpected health event doesn’t undo everything you’ve worked so hard to build.GET YOUR INSURANCE SORTED: With Skye Wealth here. We have a long standing referal partnership with Skye Wealth, and only ever partner with people we trust.  LISTEN TO EP 1: Budgeting and Cash FlowLISTEN TO EP 2: Managing DebtLISTEN TO EP 3: Making Saving Easier FREEBIES: All our best free money resources in the one place here.See omnystudio.com/listener for privacy information.

Do you ever worry your parents are making bad money decisions… or heading toward retirement totally unprepared? This week’s Friday Drinks starts with the situation where you love your parents, they’re adults, and you’re still lying awake wondering whether someone is taking them for a ride. We talk about how to raise money concerns without lecturing or burying your head in the sand. And how to live with the reality that sometimes, even when you say everything right, the decision still isn’t yours. Then there ain't no drama like a wedding money drama, and this one is no exception. A bridal party agreed to pay for $1k for hens and bucks accommodation, and now the story is we can’t afford to pay you back. We get into where responsibility sits, how resentment builds when you absorb costs you didn’t agree to carry, and when being “understanding” just means being out of pocket. Plus we've got money wins, broke tips, and community chaos to finish the week properly. Sign up to collect your OnePass reward here! *T&Cs, exclusions apply (See below) THE BEST SOTM FREEBIES: Your 2026 Fresh Start: Free Money Tools You’ll Love 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.  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. *OnePass offer available to new members who join before AEDT 6am 9 February 2026. No free trial applies. $20 OnePass Reward redeemable in-store and online at Officeworks. Valid for 60 days from date of issue. Free delivery with no minimum spend. Active linked Flybuys account required. Scan or enter OnePass at checkout. Not all participating brands offer all member benefits. See OnePass.com.au for benefits and exclusions for each participating brandSee omnystudio.com/listener for privacy information.

This is the episode every woman needs to hear. Because most of us think money in relationships will just sort itself out, or that breaking up is something that happens to other people. Sorry to burst that love bubble, but today is here to show you this mindset can cost you everything… and how to protect yourself (while still building a life together). To do that, we’re joined by special guest Claire Walczak, a family law expert who sees the reality of this every day. She walks us through the early money decisions most people barely think about and how those choices shape power, security, and options over time. You’ll leave this episode knowing what actually protects you financially in a relationship, which conversations are worth having sooner rather than later, and how to set yourself up without turning love into a legal strategy.In this ep:💸Where financial power actually shows up in relationships, even when everything feels equal💸Why avoiding money conversations to keep the peace just means more drama later💸The assumptions couples make about shared money that don’t hold up legally💸What “setting yourself up” really looks like inside a loving, healthy relationship💸The #1 thing people wish they knew earlier (when it's already too late)CLAIRE'S LINKS: Claire Walczak is an accredited family law specialist and a partner in the Melbourne family and relationship law office at Lander & Rogers, you can find out more about her here. FREE DOWNLOAD MENTIONED IN THIS EP: How to prepare for divorce and seperationEVEN MORE MONEY AND RELATIONSHIPS EPISODES: How to Combine Finances playlistFREEBIE: Find our SOTM Money Date Checklist for both couples and singles 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.

If you’ve ever looked at your debt and thought how did I even get here, this one’s for you. Because that’s exactly where our Money Diarist found herself when she realised she was about $60,000 deep. There was a car. A wedding. Setting up a home. All the things that feel like you’re just meant to do as you build a life. Until one day she zoomed out and realised a life in debt wasn’t what she wanted for her family. Once she started learning how money actually works, everything shifted. She wasn’t bad with money like she’d always thought. She’d just never been taught. This episode is about what happens when financial literacy starts to click. How she tackled the debt without spiralling into shame. How a few strategic moves changed everything. And why when life later threw her a serious curveball, having those foundations already in place made all the difference. 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 sttanding referal patnership with Skye Wealth and only ever partner with people we trust. GET VICTORIA'S BUDGETING SYSTEM: Build a money system that actually works for you here. FREE MONEY TOOLS YOU'LL LOVE: All our best free resources in the 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 - 451289.See omnystudio.com/listener for privacy information.

Saving money is one of those things we’re told should be simple, but somehow rarely feels that way. In this Summer Starter episode, we unpack why saving feels harder than it should, even when you understand the basics, and what actually needs to change for it to start working in real life. Victoria is joined by behavioural scientist Dr Lily Susman to explain how money habits form, why being tough on yourself often backfires, and how to build saving behaviours that align with your values and lifestyle. This episode will help you stop blaming yourself, see your money habits more clearly, and approach saving in a way that feels realistic, supportive, and sustainable. LISTEN TO EP 1: Budgeting and Cash FlowLISTEN TO EP 2: Managing DebtVISIT OUR BUDGET AND DEBT HUB: All our budget and debt rescources are here. FREEBIES: All our best free money resources in the 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.

So who should actually pay on a date, and what are you meant to do when the bill arrives and someone suddenly gets a bit weird about it. This week’s Friday Drinks tackles a DM from someone newly back in the dating world who’s trying to work out whether she’s being too picky, or whether she’s just finally noticing the stuff she used to brush past, like the keeping score, the silence that feels like a test, and the little gold digger jokes that aren’t really jokes. We talk through what’s a fair preference, what’s an early warning sign, and how to be clear about your money values without turning dinner into a negotiation, and we asked the community what they think is normal early on because honestly the answers are revealing. We're also talking bridging loans, which always sound simple until you’re the one trying to buy before you sell and you realise how much of it comes down to timing, pressure, and having a plan if things don’t happen as quickly as you hoped. Victoria breaks down what they actually are, when they can make sense, and where the risk really sits, and as always we’ve got community money wins and broke tips that are both useful and unhinged at the same time.  THE BEST SOTM FREEBIES: Your 2026 Fresh Start: Free Money Tools You’ll Love 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.  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 buying a home feels harder (and way more confusing) than it did a year ago, no, you’re not imagining it. The rules have changed, the competition has changed, and suddenly everyone is talking about 5% deposits like they’re either your golden ticket or the end of the world. Lucky for us, mortgage queen Jaclyn Walsh is here to break down what’s actually going on in the property market heading into 2026. We unpack the headline changes everyone’s yelling about, what they mean in real life, and Jac’s inside scoop on how banks are really assessing and approving loans right now. Plus we answer the biggest property finance questions straight from our community. This episode is all about putting yourself in the strongest possible position to buy, without spiralling, second-guessing every move, or making rushed decisions you regret later.In this ep: 🏡 Why buying with five percent feels easier and more stressful at the same time🏡 What banks have changed behind the scenes… and why it matters to you🏡 The mistake first home buyers are making before they even start looking🏡 How to buy without panic-bidding, overcommitting, or regretting it later🏡 Why Victoria isn’t racing to pay off her mortgage (on purpose)🏡 Hacks that shave years and thousands off your mortgage For all your mortgage and refinancing needs, you can contact Zella here.MORE EPISODES WITH JAC: Want to Buy Property in 2025? Here's How to Get PreparedCan Refinancing Really Save You Thousands?EVEN MORE PROPERTY EPISODES: Our full property playlist is here. FREEBIE: Get our She's on the Money Mortgage rate calculator 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.

If you’ve ever told yourself investing is something you’ll get to later, when you have more money, more brain space, or a slightly more put-together life… this episode is about to ruin all of those excuses in the best way. Today, the one and only Bec Syed has volunteered to jump into the Investing Diaries seat so we can get pervy on her first year as an investor (and yes, it’s exactly as Bec-coded as you’d expect). She walks us through how she went from not really understanding what investing even was, to building an almost $1,500 investment portfolio in the background of her very normal, but very chaotic life. (Yep, we're so proud of her too!) We get into what it actually looks like to invest when you don’t have heaps of spare cash, why round-ups and automation are a game changer, and how seeing tiny wins along the way completely changed how money feels. In her lovable Bec way she's honest about the confusion, the questionable decisions, the accidental wins, and the fact that she still very much learning as she goes. It’s proof that you don't have to have it all figured out when it comes to investing, you just need to start. And if Bec can do it… honestly, so can you. 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 sttanding referal patnership with Skye Wealth and only ever partner with people we trust.  SHARESIES CODE: Sign up to Sharesies, deposit any amount and get a bonus $10 to invest, T&Cs apply.VISIT OUR INVESTING HUB: You'll find all our investing freebies, resources, courses & podcast playlists here.FREE MONEY TOOLS YOU'LL LOVE: All our best free resources in the 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 - 451289.See omnystudio.com/listener for privacy information.

If you’ve ever looked at your debts and thought… I know I need to deal with this, I just don’t know where to start, this episode is for you. This is the next step in our Summer Starter Series, where we’re going back to the foundations that help you get on top of your money, in a way that actually feels manageable. In episode one we got ontop of our 4 most important numbers to know... what you earn, spend, own and owe, and today we're making a plan for that last one. We talk through how to prioritise your debts when you have more than one, how to choose a repayment strategy that fits your personality, and how to get out of that frozen, head in the sand feeling that keeps so many people stuck for way longer than they need to be. Victoria breaks down why some debt feels heavier than others, why paying the “wrong” one first can kill your motivation, and how to build momentum with your repayments. If debt has been stressing you out, this episode will help you feel clearer, calmer, and ready to take your next step.LISTEN TO EP 1: Budgeting and Cash FlowFURTHER LISTENING: How to pay off debt podcast playlist VISIT OUR BUDGET AND DEBT HUB: All our budgeting and debt rescoources are here. FREEBIES: All our best free money resources in the 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.

If you’ve ever thought you should see a financial advisor, but also wondered if it's a now or later thing… this one’s for you. We’re chatting about that stage so many of us sit in. You want to do the right thing with your money, but you’re not sure whether a financial advisor makes sense for your current situation. We talk through when financial advice can really help, when it’s probably not necessary, and the other ways you can get clarity without spending a small fortune. Then things turn into a moral mine field... What do you do when you’re watching a situation unfold that doesn’t sit right with you, and you don’t actually have the authority to fix it? This week we dive into a DM from someone who’s deeply worried about a dog that’s been injured, emergency care paid for, but follow-up vet visits that keep getting pushed back. It opens up a really uncomfortable conversation about caring more than the person responsible, where the line is between helping and overstepping, and how hard it is to sit with concern when the final decision isn’t yours. Plus, as always, we’ve got community money wins, broke tips that are actually useful, and the kind of Friday chat that reminds you you’re not alone in any of this.$10 meals with Chelsea: Visit her website here and listen to her episode with us here.  THE BEST SOTM FREEBIES: Your 2026 Fresh Start: Free Money Tools You’ll Love 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.  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’ve been saying “I really should start investing" this episode is for you. Because wanting to invest and actually investing are two very different things. And for most of us, it’s not laziness or lack of ambition that keeps us stuck. It’s the quiet spiral of I don’t know enough yet... or I don’t have enough money... or what if I pick the wrong thing... and what if I mess it up. This episode takes all of that and changes it to confidence, because Victoria is breaks down exactly how she’d start investing in 2026 if she had to begin again with nothing.  Inside this ep:📈Why waiting until you feel ready is the fastest way to never start📈How starting small actually builds confidence quicker than going big📈The difference between risk and panic (and why investing isn’t gambling)📈What to focus on when you’re paralysed by too many options📈How to invest without it becoming your entire personality📈The important reason Victoria still prioritises investing over putting all her money into her mortgage 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 Money Diary starts at the exact moment you realise… okay, I can’t keep doing money like this. Our diarist had spent a few years doing exactly what she wanted to do. Enjoying life, making memories, prioritising experiences. And then came the realisation that while she didn’t regret any of it, she needed a different plan going forward. In this episode, she walks through the exact things that helped her go from avoiding her finances to feeling genuinely confident with them. The systems she uses to stay on top of her money without obsessing over it. How she learned what actually matters to focus on (and what really doesn’t). And the mindset shift that stopped money feeling like this looming, stressful thing in the background of her life. 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 sttanding referal patnership with Skye Wealth and only ever partner with people we trust. FREE MONEY TOOLS YOU'LL LOVE: All our best free resources in the 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 - 451289.See omnystudio.com/listener for privacy information.

This summer, we’re dropping a bonus foundations series for anyone who’s ready to feel more in control. Whether you’re brand new here, or you’ve been listening for years and want a reset, this series is about getting you back to the basics that actually work. In this episode, we walk through how to actually see your money clearly for the first time. What’s coming in, where it’s going, and why it can feel like you’re doing all the right things but still not getting ahead. This one’s pulled from the vault because the advice hasn’t aged. We break down the four numbers that matter most in your financial life and explain why budgeting isn’t about restriction, it’s about finally having enough information to make confident decisions about saving, debt, and investing. There’s also a bonus segment on emergency funds, because having a buffer is what stops life from wiping out your progress every time something unexpected pops up. VISIT OUR BUDGET AND DEBT HUB: All our budget and debt rescoources are here. FREEBIES: All our best free money resources in the 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.

Want 2026 to be the year you get your money on track? This ep is the perfect place to start. It’s our very first Friday Drinks of the year and instead of doing the usual wins and broke tips, we asked the community two big questions. What was your biggest money learning last year? And what small change did you make that had the biggest impact on your finances? The answers are the perfect inspo you need if you’re feeling like you want to do better this year but don’t want to overhaul your entire life to make it happen. Then we dive into two very January-coded situations... feeling overwhelmed about where to begin when you know you want more for yourself, and navigating what happens when your money goals start to evolve faster than the people around you. This episode is all about setting the tone for your best year yet, with all the usual Friday fun and chaos thrown in.  THE BEST SOTM FREEBIES: Your 2026 Fresh Start: Free Money Tools You’ll Love 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.  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.

Sometimes a spreadsheet isn’t going to cut it. Sometimes the only thing standing between you and an impulse purchase is a genuinely unhinged obstacle, like freezing your credit card in a bowl of water and letting time do the work. And because our first Unhinged Hacks episode became one of the most replayed of the year, Bec took that as a sign, went rogue, booked the studio, brought Jess along, and recorded round two with absolutely no supervision. TThis episode sounds ridiculous on purpose. But underneath the laughs is something genuinely smart. These are the money behaviours people actually use when discipline is gone, motivation is fried, and “just try harder” is not on the menu. It’s diabolical. It’s chaotic. And somehow… it works. Listen to part 1: I'm Bored. Give Me Your Most Unhinged Money Saving Hacks...  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.

If December has you replaying the year in your head, thinking about the money choices you made, the goals that shifted, or why things didn’t quite land the way you thought they would back in January, you’re not alone. A lot of us get to this point feeling tired, reflective, and a little unsure how to sum it all up. This episode is a chance to look at the year differently. Not through the lens of what you achieved or didn’t, but through the stuff you carried, adapted to, and figured out as you went. The money stress, the plans that changed, the moments you just kept going anyway. None of that was wasted, even if it didn’t feel impressive at the time. If you want to close out the year feeling a bit more grounded and a lot less hard on yourself, press play.  Get Victoria's Full Goal Setting System in her Your Best Year Yet course 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.

It's our biggest Friday Drinks of the year so we're throwing a party aka our year in review. The stats, the moments that surprised us, and the community wins that honestly deserve more airtime... and of course your favourite blooper reel. Plus we get into which is cheaper, building vs buying a home. Building can look cheaper, especially online, but the reality is a lot messier. We talk about where the costs sneak in, why timelines matter, and why this decision feels very different depending on where you live and what stage of life you’re in. And because it’s summer, we talk credit cards. Should you get one to get through the next few months? When does it help, and when does it just make things harder later? We walk through how to think about it without shame or scare tactics. 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.  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.

This is the one conversation you need to hear before the year ends, because the way you think about money right now will shape how 2026 feels far more than any goal you set in January. So instead of rules or end-of-year pressure, Victoria and Bec share the five things they genuinely wish every person in this community would focus on before heading into 2026. These are the five big things that actually shape how money feels day to day, how confident you are making decisions, and how much energy you waste worrying about things that don’t even matter.In this ep:🎄 The real reason money feels hard for so many people (even when they’re doing everything “right”)🎄 The shift that changes your financial results without earning more or trying harder🎄 What financially confident people understand early that most people never get taught🎄 The moment money stops running your decisions and starts working for you🎄 The one mindset change that makes every other money habit easier to stick toGet Victoria's Full Goal Setting System in her Your Best Year Yet course 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.

This is one of those Money Diaries that starts with a decision that feels sensible at the time… and slowly reveals just how much weight it carries. When her partner suggested using her inheritance to buy property together, it felt like the right next step. The grown up one. The kind you make when you’re building a future with someone. Then the relationship ended, and that decision didn’t disappear with it. In this episode, she walks us through what happens next. The parts of property ownership no one explains when you’re in love. The confidence knock that comes from being told you’re “bad with money.” And the reality of having to step up financially before you feel ready. She also shares the systems she built to make money feel manageable again, especially with a brain that doesn’t love numbers, and the lessons she wishes she’d known before saying yes. This one is full of the stuff you don’t realise you need to know until you really, really do. 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 - 451289.See omnystudio.com/listener for privacy information.

Ever stared at the bill split amount and thought… sorry, why am I paying for food I did not eat? We’re unpacking a takeaway dilemma where one person orders like it’s their last supper and everyone else is expected to split it evenly. What do you actually do in that moment? Do you say something, suck it up, or quietly build resentment? We talk through the options, the social risk, and how to handle it differently next time without blowing up the friendship. Then things get uncomfortably real with a Christmas DM that hits a nerve. When your family’s love language is business class flights, investment wins, and expensive gifts, and you chose passion, values, and a very different definition of success. We get into how to respond to the comments, protect your self worth, and decide when it’s worth engaging and when it’s not. 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.  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’ve ever looked at property prices and thought, cool, guess I’ll just rent forever then, this episode is for you. Because while the white picket fence dream might feels further away than ever, that doesn’t mean property investing is completely off the table. This ep is your DIY guide to becoming a trust fund baby... a real estate investment trust fund baby. Victoria is breaks down the other way to get property exposure without a mortgage, stamp duty, or a single call about a broken hot water system aka REITs. Think shopping centres, warehouses, data centres and supermarkets… without owning the building, chasing rent, or committing your entire financial future to one postcode.In this ep:🏬The “trust fund baby” move that pays you from property 🏬How to get property exposure without locking your entire life into one postcode🏬 The kinds of property you’ve probably never thought to invest in🏬 Non-negotiables Victoria checks before she’ll touch a property ETF🏬 The trade-off you’re making for flexibility, freedom, and liquidity WANT TO LEARN MORE ABOUT INVESTING? Check out our investing hub filled with free resources and our investing masterclass. 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.

Even some of the most successful people you know started at rock bottom like $60k in debt, no job, and pretending everything is totally fine. That was Jane Lu’s life… right before she built Showpo. And today, Jane is speaking candidly about it all.The pressure to pick the “good girl” career, the fear of disappointing her parents, the panic of feeling behind while everyone else looks like they’re sprinting ahead and the moment you realise you’ve built a life around other people’s expectations and now you have to undo it.  But interesting part is what came next, and nothing about it looked like the beginning of a global brand. Cofounders walked. Ideas fizzled. She was building websites in the State Library and quietly hoping no one noticed she was making it up as she went. And then, slowly, things shifted. A call she made out of instinct, a social moment went viral and she found a way of working that suited her Lazy CEO approach. This became the backbone of the business she’d grow into a company valued at more than $100 million. In this ep:✨Her mindset shifts about the "safe" career✨How to rebuild when your confidence is shot and your bank account is judging you✨The small (almost accidental) move that blew open her career✨Lazy CEO rules that help you stop doing the absolute most✨Why your messy chapter isn’t a setback, it’s leverageJANE'S LINKS: Showpo's website, TikTok & InstagramHer personal website, Tiktok & Instagram  READ: Victoria's book The Business Bible just won the Entrepreneurship and Small Business Book of the Year at the 2025 Australian Business Book Awards. You can find it 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.

Some weeks it feels like you’re doing everything right with money… and still getting nowhere. If that’s been your energy lately, you’re not alone. This week we’re unpacking why that happens, what it means when your effort isn’t matching the outcome, and the practical ways to reset without throwing your whole plan in the bin. We also heard from someone in our community who’s feeling the annual Christmas tug-of-war: wanting to keep things simple and values-aligned, but also navigating grandparents who love a shopping spree and a partner who’s all in on the festive chaos. So we chat through how to set boundaries without being the Grinch, how to rethink “enough” at Christmas, and the small shifts that stop the season from steamrolling your sanity or your savings. Plus your money wins, unhinged broke-tips we never see coming, and the usual Friday fun to kick-off the weekend. 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.  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 want to wow your family with a fancy-looking Christmas feast while secretly spending way less, you need this episode. We called in our favourite bougie-on-a-budget queen, Chelsea Goodwin, to show us how to pull off a Christmas table that looks rich, festive and fabulous, while your actual grocery bill stays unbothered. Chelsea is dropping 17 genuinely clever hacks that will shrink your Christmas food spend. We’re talking the ingredient tricks that do double duty, the meats that seem fancy but aren’t, the sides that look like you catered, and the planning secrets that stop the Christmas Eve trolley panic. And yes, she brought her full under-$100 Christmas menu. It’s generous, it’s gorgeous, it’s chaos-proof and you’re absolutely allowed to steal it.In this ep:🎄A Chelsea's best hacks to help you save at the checkout this Christmas🎄Which meat options create the most “expensive” looking centrepiece for the least money.🎄Where to buy seafood for dramatically less than supermarket prices.🎄Side upgrades that make cheap ingredients look professionally catered.🎄Prep shortcuts that save money, oven space, and your stress levels.DOWNLOAD: Chelsea's Full Christmas Menu For $100 CHELSEA'S LINKS: Website, Books, Instagram, Facebook GroupJoin 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.

A year after being thrown head first into financial litteracy and producing over 200 episodes of  She’s On The Money, our behind the scenes queen Emma is here to share exactly how her finances and money mindset has changed. This is what happens when real life, rising costs, and a very loud financial education collide. A home that wasn’t meant to be forever suddenly holds the key to a much bigger plan. One tiny change inside her super she'd been putting off ends up doing far more than she expected. And the investing strategy she used to overthink becomes the thing that finally gives her financial clarity. Inside this ep:💰The cashflow move her family is making to unlock wealth sooner💰How she's investing to retire at 55, and what she's prioritising in her portfolio to get there💰The emotional hurdle she had to get over before she could start investing at all💰A tick box she ignored for years, but now it's unlocked the potential for a $50k return💰Why starting in your 40s is absolutely not too late (and the maths that proves it)💰What she learned from listening to your money stories every single week 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 - 451289.See omnystudio.com/listener for privacy information.

You’re trying to save, plan, be responsible, do the grown-up things, but underneath it you’re tired in a way that a weekend off doesn’t quite fix. If that’s you, this week we’re talking about the moments where your financial goals start clashing with your wellbeing, and how to tell when you’re pushing yourself for a dream versus pushing yourself past your limits. Plus, what does progress look like when you’re burnt out, and how do you protect the version of you you’re building all this for? Then we're diving into leaving a job without burnining bridges... and still getting a good reference. Whether things are a bit tense or fully toxic, navigating an exit in a small industry is tricky at best. So we explore the smarter ways to manage references, timing, expectations, and how to leave a workplace with your dignity and your options intact.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.  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.

Every December starts with good intentions and ends with the same sentence: how did I spend that much? Because Christmas has a way of turning even the most financially competent women into festive chaos elves… not because you’re “bad with money,” but because the whole season is engineered to hijack your brain. This week, Victoria unpacks the psychology behind Christmas overspending and the subtle mind games retailers play that make you feel generous when you’re actually being steered. This isn’t about being a Grinch. It’s about finally seeing the tricks for what they are, so you can have a Christmas that still feels magical, without the financial regret in January.In this ep:🎁How one tiny purchase sets off a December domino effect you won’t notice till January. 🎁The invisible cost of trying to look generous, thoughtful, or “like you’ve got it together.”🎁 Emotional hooks retailers use to convince you you’re being generous… when you’re actually being played.🎁 The exact moment most regrettable Christmas buys happen (and why you don’t see it coming).🎁 How this mindset reset that breaks the Christmas spending spell and gives you back control.LISTEN TO: A Very SOTM Christmas Playlist.The soundtrack for keeping the Christmas magic high and the spending urges low. Think twinkly lights, cosy nostalgia, and zero retail manipulation. Press play every time you’re tempted to add one more present to cart... You've got Christmas at home.  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.

If you’ve ever looked at your payslip and thought “there’s no way I can build anything on this,” this diary is the proof you need. Our Money Diarist started on eight dollars an hour at Macca’s, saved like a girl with a plan, and built a foundation that most of us don’t hit until our thirties.... and she did it before she could legally rent a car. This episode is packed with the stuff that actually matters when you’re starting small. The tiny habits that added up to her first thirty thousand dollars. The mindset that kept her choosing long-term wins over short-term fun. The discipline she built on a low wage that turned out to be her biggest superpower once her income jumped. If you’ve been telling yourself you’ll start saving “when you earn more,” this diary will change your whole perspective, and maybe your next pay cycle too. If you want the motivation to start with what you’ve got, this diary will light that fire.  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 - 451289.See omnystudio.com/listener for privacy information.

This special episode was created for our First Nations community members. Victoria invited Leah Bennett from the First Nations Foundation on the show to talk through the realities, pressures and systems that shape money confidence for First Nations people today. Leah shares how history, culture and community responsibilities influence financial literacy, why trust in institutions can be hard to build, and the practical steps that can help you feel more in control. They also discuss superannuation, humbugging, accessing ID, and where to go for free and culturally safe support.Inside this episode:• The importance of culturally informed financial education• How history and systems impact money confidence today• Practical steps to start building financial security• What to know about super, beneficiaries and early access• Support available through financial counsellors and Indigenous banking teams• Understanding humbugging and setting boundaries that feel right for you FIrst Nations Foundation WebsiteFOLLOW: Leah Bennett on Instagram here. First Nations Foundation on Instagram here. Rich Blak Women om Instagram here. First Nations Foundation  on Youtube here LINK: We have created a blog with links for resources, support and education here.  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.

Ever seen a crypto bro promising this coin is going to be the next big thing and thought… okay but what if? Well this week we got a DM from someone whose partner has fallen for the hype hard. So we're taking a closer look at crypto is, what it isn’t, why it feels so convincing online, and how to tell the difference between investing and straight-up gambling. We're also answering what to do when you’ve paid off a loan and suddenly have an extra $1,000 a week. Save it? Invest it? Split it? We talk through the simple framework that helps you figure out what actually makes sense for your timeline and goals. Plus we've got all your fave money wins, broke tips and the usual Friday chaos.LAST DAYS: Want to learn how to invest (or just get your money sorted)? Our Bundle Sale is live! Up to 30% off our most-loved courses and tools, to help you feel clear, confident, and in control. Check it out here. 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.  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 know when you’re standing in front of your overflowing wardrobe, absolutely drowning in clothes, and still somehow convincing yourself you have nothing to wear? Today’s guest knew that feeling all too well… until she decided she wasn’t buying a single new item of clothing for a whole year. Yes, Emma Edwards did the thing a lot of us love conceptually but would never have the courage, discipline, or emotional stability to actually commit to. Jess Ricci is self-admittedly in that group, so she decided to give Victoria the day off, and invite Emma into the studio to find out all about it. They dive into how what started as a “maybe this will calm my spending” experiment ended up rewiring Emma’s confidence, her habits, her body image, and the way she understood her own self-worth. Turns out the problem wasn’t the wardrobe… it was the stories she’d been telling herself every time she added something to her cart.Inside this ep:👗 The sneaky emotional loops that make you impulse spend👗 Why your fantasy self has way too much influence over your actual budget👗 The mindset shift that makes old clothes feel brand new again👗 How to rebuild a wardrobe you genuinely love wearing 👗 The inner peace that hits when the parcels stop👗 What happens when your style finally aligns with your identity👗 How redefining her identity reshaped her finances 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.

Our very first Investing Diary has landed, and she is the perfect reminder that investing is absolutely for women like us. Before she ever opened an app, she genuinely believed investing was a world reserved for men on Wall Street. Then lockdown hit, the algorithm gods did their thing, and suddenly she was seeing finance content from women who actually looked and sounded like her. One rabbit hole later… her entire money story flipped. What started as curiosity turned into a full investing era. She binged podcasts, graduated from micro investing, and built herself a portfolio with a set-and-forget energy. Then life did what life does. First home. Wedding. New job. So she stepped back from investing and honestly forgot about her portfolio altogether. Two years later she logs back in… and realises it has grown by $20,000 while she invested exactly nothing. Inside this ep, Victoria gets pervy about it all: the ETFs doing the heavy lifting, the direct shares she bought because she could see their value, and the “accidental strategy” that is actually outperforming her partners. This one is proof that you do not need to be a man in a suit on Wall Street to grow your money in the sharemarket. You just need to start. LEARN TO INVEST (& GET VICTORIA'S BUDGETING SYSTEM) FOR UP TO 30% IN OUR  BUNDLE SALE. 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 - 451289.See omnystudio.com/listener for privacy information.

If you’ve ever heard “managed portfolio” and thought… okay but what actually are they, this one’s for you. We break down what “managed” really means in practice, how they differ from your usual ETF mix, and the moments when outsourcing the mental load might make more sense than being your own fund manager. Then we get into a dilemma that had the whole office screaming: a partner who treats sales season like a competitive sport. The list is long, the logic is loose, and the budget is… trembling. We’re chatting values, boundaries, and how to keep your spending intentional when marketing is doing the absolute most. Plus your favourite money wins, broke tips, and a few chaotic detours along the way. Want to learn how to invest (or just get your money sorted)? Our Bundle Sale is live! Up to 30% off our most-loved courses and tools, to help you feel clear, confident, and in control. Check it out here. 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.  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.

We all want a bigger super balance… but how do you actually make that happen in real life? Part 1 in our Super Glow-Up series got your foundations sorted, but part 2 is all about small things you can do to turbocharge your growth. We’re talking simple, realistic changes that add up to massive long-term results, even when life is expensive and you’re just trying to get through the week.In this ep: 💸A $25-a-week habit that could snowball into 6 figures💸How a risk setting change could double your balance over time💸A government bonus you might already be eligible for💸The pre tax contribution hack that feels illegal (but isn’t)💸Why even a 1% return difference can mean hundreds of thousands to your retirementSEE: How small changes to your super can make a big difference to your balance with the Moneysmart Superannuation Calculator.LISTEN: Your Superannuation Glow-Up Part 1: The $0 Tweaks That Could Change Your Retirement 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 is the update you’ve all been waiting for… and a year later, she’s back to tell us what really went down. Last time we spoke, the separation was still fresh. Now the divorce is almost final, and everything that happened in between is the stuff every woman should know long before she ever needs to. We’re talking expectations versus reality, the loopholes no one warns you about, and the parts of the process that only make sense once you’re living them. She also shares the lessons she wishes she’d known sooner, how she’s navigating the big conversations with her kids, and the mindset shift that changed everything.LISTEN: To her first ep with us here. SEE OUR BUNDLE SALE FOR UP TO 30%: Where you can get Victoria's budgeting system & learn to invest.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 - 451289.See omnystudio.com/listener for privacy information.

You’re ready to start investing… and then someone suggests borrowing money to make your portfolio grow faster. It sounds genius in theory, but is it actually a smart move? This week we’re unpacking the financial advice one community member received about doing just that, and Victoria breaks down how these loans really work, why the maths can be seductive, and the little thing called a “margin call” that can throw your whole plan into chaos.Then we switch gears into Christmas gifting season, which is currently giving drama. Someone asked for a $300 birthday present. Gift cards are in their controversial era. And half of you are quietly switching to Secret Santa because December is expensive enough already. If you’re feeling gifting guilt creeping in, this chat will help you set boundaries without losing your festive cheer.LISTEN: To the Money Diaries episode where she is Debt Recycling here or search She Left Her Husband With $12K and Two Suitcases... Now She’s Worth Six Figures.Thanks to OnePass for sponsoring todays episode! Nab your discounted membership here.*Want to learn how to invest (or just get your money sorted)? Our Bundle Sale is live! Up to 30% off our most-loved courses and tools, to help you feel clear, confident, and in control. Check it out here. 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.  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.*OnePass T&Cs, exclusions apply. Offer ends 11.59pm AEDT 01 December 2025, $40 per year thereafter unless cancelled, offer not available to current members. Savings calculated on average delivery fees for eligible items or orders below minimum spend thresholds across participating brands Kmart, Target, Officeworks, Priceline and Bunnings Warehouse. 365 day change of mind returns to the participating OnePass retailer purchased from, along with receipt, already offered to all customers at Bunnings Warehouse. You may have additional rights under the Australian Consumer Law. See each participating brands’ website for further details. 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.

Want the inside scoop on the seriously simple strategy behind Victoria and Brooke's investment portfolios? This ep is all about the framework they both use today, and Victoria used with her high-wealth clients when she was a financial advisor. They're breaking down exactly how to structure a portfolio that quietly builds wealth without the 3am panic checks, how to balance steady growth with the spicy picks that keep it interesting, and why trying to beat the market is probably costing you more than you think.  Inside this ep:📈Why trying to pick winners is statistically a losing game... and what actually works instead📈The framework so simple, you'll wonder why you ever thought investing was hard📈How to know if something deserves a spot in your portfolio (or if you're just FOMO buying) 📈The hack Brooke uses to fund her fun picks without touching her paycheck📈The mistake that could be quietly draining your return and how to fix it fastIf you've ever looked at your investments and thought "is this actually a strategy or am I just... hoping?" this one's for you. Want to learn how to invest (or just get your money sorted)? Our Bundle Sale is live! Up to 30% off our most-loved courses and tools, to help you feel clear, confident, and in control. Check it out 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 wanted to see what would happen if you actually sat down and did that budget?This week’s Money Diarist actually did it and everything changed. After hitting rock bottom, the stress of trying to keep up finally broke her. One “yes” to a holiday with her partner she couldn’t afford turned into tears in the car and the realisation that something had to give. So she did what any of us would do, opened Google and typed “female finance book”. She came across She's on the Money, read the book and decided to put everything into action... and this is her money diary 5 years on (spoiler: she's thriving). SEE OUR BUNDLE SALE FOR UP TO 30%: Where you can get Victoria's budgeting system & learn to invest.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 - 4See omnystudio.com/listener for privacy information.

\What’s actually better for future you... adding more to your super, or growing that house deposit? This week we’re unpacking one of the biggest money dilemmas of adulthood and how to think about both goals without feeling like you’re failing at either. Turns out you don’t have to choose and there’s a smarter way to grow future-you’s money while still getting closer to those house keys. Then, things take a turn for the spicy. One community member's family drama has us asking what “fair” really means when money’s involved, and if parents should ever be expected to split things evenly. Plus your favourite mix of money wins, confessions, broke tips... and just the right amount of unhinged energy to start the weekend.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.  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 know that dream of starting something on your own... but the money part feels impossible? Sammy Robinson did it anyway. At 22, she took the savings most of us would use for a house deposit and built One Mile, the self-funded fashion label that’s become everyone’s quiet-luxury obsession (and yes, even Kendall Jenner’s worn it). In this episode, Victoria finds out how Sammy went from filming in her bedroom to running two Sydney boutiques and a multi-million-dollar label she still owns outright. They dive into how she built operations before the hype, the viral moment that changed everything, and the very unglamorous money lessons behind building a sustainable brand that actually makes money.In this episode:💼 How Sammy turned savings into a self-funded fashion empire💼 The money strategy that made One Mile profitable from day one💼 How a Kendall Jenner sighting turned into global demand💼 The advice from her dad that still shapes her money mindset💼 How she built a “quiet luxury” label that’s anything but quiet💼 What she wishes she’d known before spending her first $100kSAMMY'S LINKS: Follow Sammy on Tiktok and shop One Mile. 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.

You know that feeling when you start earning your own money and suddenly everything feels possible... the festivals, the flights, the “let’s just go out”? This week’s Money Diarist lived that era hard. Working double shifts, saying yes to everything, and promising herself she’d deal with the debt later. Then later came… with a $10K maxed-out credit card, a $20K car loan, and a reality check that hit harder than the Monday shift after a Sunday sesh. But here’s the plot twist: she turned it all around. These days she’s running a six-figure career, owns her own home, and has an investment property quietly doing its thing in the background. If you’ve been in your “fun now, finances later” era, this diary is full of inspo! GET VICTORIA'S BUDGETING SYSTEM: Master your cashflow 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 - 4See omnystudio.com/listener for privacy information.

You’re smashing your financial goals, debt’s going down, confidence’s going up, and then that little voice pipes up: “Should I be investing too?” This week, we’re unpacking the guilt trip of the financially responsible. Can you actually build wealth while you still owe money? Victoria’s breaking down the maths and the mindset, and proving that sometimes the hottest ROI is just being a little bit boring. Then, an early-inheritance nightmare that’s giving full moral hangover. Her parents gifted her $50K for a house deposit… until they hit money trouble and might need it back. Do you hand it over out of love, or keep it and become the villain in your own family group chat? It’s financial guilt, family politics, and the ultimate test of boundaries. Plus, a brand-new segment where you get to ask the team anything (yes, really), a few chaotic money wins, and broke tips so unhinged they might actually work. 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. Victoria's Marley Spoon Code: Use VICTORIASAVES to get up to $230 off your first 5 boxes, including free shipping on your first one. 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’ve ever looked at house prices and thought, “I guess I’ll just marry rich or manifest an inheritance” this ep is for you! Victoria and Jess are here to prove you can buy property without a trust fund, a partner, or a miracle. They’re breaking down the actually doable ways to get into the market... from decoding your borrowing power and super hacks to the spicy truth about LMI (spoiler: it’s not the villain). This is the step-by-step playbook for anyone who’s serious about owning property on their own terms.🏡The real first step you need to take (and no, it’s not saving harder)🏡 All the chats to have with your broker before you start scrolling listings🏡 Hacks to build a deposit faster (no two-minute noodles required)🏡 The tax move so good that it feels like it should be illegal (but it's not)🏡 Surprising maths that makes “less than 20%” work in your favourLISTEN: The Smart Homebuyer's Guide to Finding "The One" 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.

They say you end up with someone like your dad... and for this week’s diarist, that was the problem. Her dad was reckless with money, and years later, she married someone just like him. While she worked and saved, he spent, quit jobs on a whim, and left her holding the financial bag. At 30, she’d had enough. She packed two suitcases, took her last $12K, and started again. . Now building wealth on her own terms (complete with a partner who actually gets it) and even using debt recycling to make her mortgage work harder. This ep is proof that starting again doesn't equal failure... it’s a power move.GET VICTORIA'S BUDGETING SYSTEM: Master your cashflow 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 - 4See omnystudio.com/listener for privacy information.

Ever had a job so toxic it makes your morning coffee taste like dread? This week, a community member wrote in ready to walk...  60-hour weeks, zero recognition, and a boss who extended her probation “just because.” She’s got a mortgage, $20K in savings, and one big question: is it smart or reckless to quit with nothing lined up? It’s a debate every burnt-out queen needs to hear... equal parts therapy and tough love. We're also tackling what to do when you can't get insurance. Victoria breaks down your options, the little-known loopholes, and why getting cover early is the real adult flex. Because it’s not the end of the week until we’ve shared a few money wins, a broke tip, and at least one questionable life choice. 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.  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 scrimp, save, and finally book your dream trip… only to spend it fighting for a pool lounger, paying peak rates for accom, and cropping 100 tourists out of your sunset pics. Well, on our recent trip to the NT, we realised we’ve been doing travel wrong. And because we don’t gatekeep at SOTM, this ep is all about our new fave travel hack. One that's completely changed how we think about timing, value, and what makes a holiday actually feel rich. In this Deep Dive, we unpack why we’ve all been trained to think this season is “the best,” the psychology that makes us pay more without realising, and the surprising perks of travelling when everyone else isn’t. This one is full of practical tips for planning smarter holidays, scoring better deals, and making your money further. In this ep: ✈️ Our bucket list trip without the bucket list prices✈️ The travel trap that’s been quietly draining your bank account ✈️ How to score luxe-for-less stays without feeling like you’re budgeting✈️ Go-to tips for planning getaways that feel rich... not expensiveToday's episode was sponsored Tourism NT... See the full blog of our dreamy NT travel diaries right here.Ready to plan your own trip? Find the amazing deals and experiences of the NT's Best Kept Season 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.

Ever done something just because it’s what you’re supposed to do? Well, this week's diarist did the opposite. While everyone else was drowning in student debt and instant noodles, she was saving, flying, and somehow adulting better than all of us. She bought a house in her early twenties, lived overseas for years, and came home with more life experience than any degree could buy. Spoiler: doing life “out of order” might’ve been the smartest move she ever made. Inside this diary, we get into skipping-uni guilt, working smarter than your parents planned for, and how to build a life that actually feels good, not just looks good on LinkedIn. GET VICTORIA'S BUDGETING SYSTEM: Master your cashflow 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 - 4See omnystudio.com/listener for privacy information.

We all want to be the parent who “sets the kids up,” right? But between savings accounts, offsets, and “future nest egg” fantasies it's hard to know what to do. So this week we’re breaking down how to actually make your money work harder (for you and your mini-me). Then things get spicy with a DM that split the community: she’s saved $150K, he’s got $64K, and they both want to own the house 50/50. Do you still go halves? Do you lawyer up? Or do you just call it “love tax”? We get into what’s fair, what’s smart, and how to buy a house together without starting a civil war.Just another Friday of money wins, rogue broke tips, and a little financial drama to keep things spicy. 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.  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.

What if your "little side-hustle" became the next big brand everyone’s talking about? That’s exactly what happened to Alyce Tran, the ex-lawyer who turned a $5K side project into The Daily Edited, built stores in New York and Singapore. Then, because one cult brand wasn’t enough, she launched In The Roundhouse, the tableware label making dinner look like a fashion moment. In this ep Victoria finds out exactly how Alyce went from corporate girlie with a creative itch to a serial founder of cult-status brands. You'll here the actual money story of how she bootstrapped both brands without investors, made big collab moves on a budget, and learned that million-dollar months don’t magically cure the “not enough” feeling. 💼 How a corporate lawyer accidentally built a global empire 💼 The $5K startup story that proves you don’t need investors 💼 Her influencer strategy that landed Hailey Bieber 💼 Perfectionism, profit, and the myth of “having it all”💼 Her playbook for building brands people obsess over 💼 How she's made her work feel nothing like "work"ALYCE'S LINKS: Follow Alyce on Tiktok.Shop In The Round House and follow their dreamy Instagram. 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.

Ever feel like everyone else’s life is speeding ahead while you’re stuck in the slow lane? This week’s Money Diarist knows that feeling too well. While her friends were off travelling, she was juggling uni deadlines and midnight feeds. At 17, she was pregnant and kicked out of school for being a “bad example.” Instead of giving up, she finished Year 12 through TAFE, raised her baby, went to uni, and rebuilt her life from scratch, all while living on Centrelink. Fast forward a decade and she’s earning six figures, owns her home, and has cleared every cent of personal debt. But getting here meant facing down shame, comparison, and that constant feeling of being “behind”… so this ep is full of the real talk we all need to hear. This episode is your reminder that it doesn’t matter where you start, you can still build something incredible from right where you are.GET VICTORIA'S BUDGETING SYSTEM: Master your cashflow 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 - 4See omnystudio.com/listener for privacy information.

Ever feel like your money goals are at war with your life goals? Like one minute you’re saving for a house… and the next you’re convincing yourself a Euro summer is “an investment in personal growth”? This week’s DM came from someone stuck right there... her partner’s all-in on buying a home, while she’s eyeing flights. And honestly? We get it. Because trying to choose between living life and getting ahead feels like an impossible math problem. So we’re unpacking whether travel really sets you back… or if it’s just a different kind of wealth that doesn’t show up in your net worth. Victoria's breaking down how to make those big-money decisions (trips, weddings, babies, the whole lot) without losing sight of Future You, or resenting Current You for having fun. And speaking of big milestones… we’re also getting real about how to actually prep for parental leave. From test-driving life on one income to building a “sanity fund” that actually covers what you’ll really need, not just the boring stuff. Plus, it's Friday so there's all the money wins, broke tips and money goss you love.  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.  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.

Retiring early is the ultimate dream... so when Brooke casually dropped that she’s on track to do it by 35 (without the Bank of Mum and Dad), you all screamed a collective “HOW?!” So of course, Victoria had to get her back in the studio to spill everything... and more importantly, share what the rest of us can steal from her strategy without living on two-minute noodles. Turns out, it’s not magic, she started on a $50K salary and built it dollar by dollar with smart habits, steady investing, and a money plan that’s more about options than obsession. Think of this as your crash course in Financial Independence, Retire Early (FIRE) for people who still love a little bit of fun money. Because the real flex isn’t retiring early, it’s having the kind of financial independence that lets you choose what your dream life looks like.Inside this ep:📈 What a “FIRE number” actually is (and how to figure out yours)📈 Why “Barista FIRE” could be the soft-life version of early retirement📈 Super vs shares: how to choose the smarter move for your future📈 Mindset shifts that totally changed the game for her📈 The small money systems Brooke swears by (and how to copy them)📈 Why even a 1% change in your savings rate can shift your whole future 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.

Ever wondered what it really costs to turn a light-bulb moment into something real? This week’s Money Diarist is a mum of two who did exactly that. She created a world-first product that launched just two weeks ago, and now she’s here to do what most founders wouldn’t: spill on every dollar it took to make it happen. From losing out to a dodgy sourcing agency to somehow pulling together $200K through pure determination, she’s laying it all out... the risks and the real-world chaos of betting on yourself. Inside the ep, we talk what it actual costs to get a product made, and how she’s juggling start-up life, toddler meltdowns, and a mortgage. It’s messy, bold, and so unbelievably relatable. GET VICTORIA'S BUDGETING SYSTEM: Master your cashflow 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 - 4See omnystudio.com/listener for privacy information.

Have you ever wondered if you can use home equity to buy something else you need… like a car? The low interest rate makes it sound like the ultimate hack, but would it really be the money win it feels like... or are you just turning a car loan into a decades-long debt trap? We’ve got the receipts. And just when we thought we’d seen it all, a community member slid into our DMs with a first-birthday invite that came with a twist: instead of saying no presents, it asked for something that we'd never heard of before. Is it genius, or the kind of ick that makes you want to run to Kmart for a noisy plastic toy out of spite? We’re divided, the community’s divided, and you’re definitely going to have thoughts. Of course, it wouldn’t be Friday without your fave money wins, broke tips and a sprinkle of our signature unhinged chaos to kick off the weekend.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.  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 listened to our episode about how much super you really need… but knowing your number is only half the story. The real question? How do you actually get there. Enter our Superannuation Glow-Up series. Part 1 is all about getting the right foundations in place for you and Victoria is serving up the $0 tweaks that could completely shift the trajectory of your retirement.  💸 A quick “pay check” that could expose if you’re missing money💸 The free tool that makes choosing a fund way less overwhelming💸 An account default that might be sabotaging your future wealth💸 Why even the smallest return differences are actually a really big deal💸 The clean-up move that could stop you burning money on pointless feesLISTEN TO: Your Future Self Is Begging You To Listen To This Episode (Let's Talk How Much Super You'll Really Need) LINK: Your Super Comparison Tool  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 do you do when you’ve applied for hundreds of jobs and all you’ve got is rejection emails? This week’s Money Diarist knows the answer.... because she kept going. But this episode isn’t just about the knock-backs. It’s about grit, glow-ups, and the moment everything finally flipped. From small-town “you’ll never make it” whispers to proving every single doubter wrong, this one will hit every nerve if you’ve ever felt stuck, behind, or ready to give up. GET VICTORIA'S BUDGETING SYSTEM: Master your cashflow 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 - 4See omnystudio.com/listener for privacy information.

We’ve all heard HECS is a deal-breaker for your borrowing capacity… but is it really the villain it's made out to be? We’ve got the tea on how much your HECS actually matters when you’re trying to get a loan... and let’s just say, the maths might surprise you. And because Fridays love a little family drama, we’re also talking about the stress of parents making very questionable financial moves. Do you bite your tongue, or pull out the calculator and stage an intervention? We’ve got thoughts. Plus, the classics: money wins worth stealing, broke tips that actually deliver, and a sprinkle of financial chaos to make you feel seen. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ 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.

Ever wondered if the hobby that you love could be the thing that pays your rent? That’s the story of Alice (Miss Trixie Drinks Tea) and Alisha (Sweet Bakes), two women who turned frosting and fun into booming businesses. And after fangirling over each other on socials and becoming baking besties IRL, they did what most of us only joke about... they started a business together. From side-hustle beginnings to sold-out retreats in France, brand collabs, and even launching their own pastel-pink kitchen space and creative hub, these two have learnt exactly what it takes to turn passion into profit and start a business with your bestie without blowing up your friendship. In this episode: 🍰 How to know when your “fun little hobby” is ready to be a full-time gig 🍰 What it’s really like to go into business with your bestie🍰 Their secret recipe for mixing mates and money🍰 A money win that landed them a free car (and why shooting your shot matters)🍰 The PR play that had journalists fighting for an “exclusive” on their business launch🍰 How they hacked social media without chasing every trend (and why it worked)LINKS: Find Sweet Bakes (Alisha) and Miss Trixie Drinks Tea (Alice) on Instagram, and check out their dreamy kitchen and creative hub, Co. Bake Space. Get your business accounting admin sorted: Head to myob.com and sign up to Solo for $12 for 12 months. 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.

Surprise! No Money Diary today... V has hijacked your Monday feed for something different. Think of this one as a little love note from her to you (with a side of tough-love pep talk). Because if you’ve ever scrolled past someone’s new house, new ring, new six-figure job and thought “cool, I’m officially behind on life”… this episode is basically your antidote. Victoria is here to rip up the money timeline, call BS on hustle culture, and admit that success might look more like coffee in the sun than climbing some imaginary ladder. Inside this ep:🔥 The truth about “falling behind” (spoiler: it’s fake news)🔥 When using your savings is actually a power move🔥 The tiny rituals that matter more than the milestones🔥 A pep talk from V that proves you’re doing better than you think 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.

Ever wondered if sharing an investment account is romantic… or just risky business? This week we’re unpacking whether it’s the smartest way to build wealth together, or if there are easier (and safer) options. Then, we dive into a community DM that gets a lot heavier: when your partner’s choices put your financial security at risk, how do you protect yourself? Of course, it wouldn’t be Friday without the rest of the chaos; clever money wins, broke tips you’ll actually want to steal, and a few confessions that prove nobody in this community has it all figured out. CONTENT WARNING: This episode deals with a community DM about gambling addiction and touches on addiction in general. If you or someone you love needs help, please know you are not alone. You can access these free resources:National Debt Helpline – 1800 007 007 or ndh.org.au for free financial counsellingGambling Help Online – 1800 858 858 or gamblinghelponline.org.au for free, confidential support 24/7You can listen to our episode:The Impacts of Gambling here.Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ 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.

We handed over control of the show to you this week and said: ask us ANYTHING. From how to finally get ahead on your goals, to spotting when you’re leaving free money on the table, to breaking the cycle of self-sabotage spending... nothing was off limits. If you’ve ever wished you could pick Jess and V’s brains over a coffee, this is that episode.In this ep:❓ The surprising career path that landed Jess where she is today❓ How to actually save for mat leave, with bonus tips for when you’re doing it solo❓ The “free money” hack everyone talks about… but is it genius or just hype?❓ Planning for the fun stuff in life without blowing up your bigger goals❓ The sneaky self-sabotage habits messing with your money (and how to shut them down) 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.

We’ve all been told property is the “safe” investment. But this week’s Money Diarist learned the hard way that’s not always true. She thought she was making the smart move buying a second investment property. Instead, she ended up with a building so dodgy it dragged her through years of court battles, left her with no rental income, and forced her to sell the first house she loved just to stay afloat. Now she’s picking up the pieces, rebuilding from zero and now has good things coming her way. Listen in to hear the biggest lesson she's learnt.  GET VICTORIA'S BUDGETING SYSTEM: Master your cashflow 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 - 4See omnystudio.com/listener for privacy information.

Should you hold off on buying until the property market cools… or is waiting the real mistake? We’ve all heard the classic “just wait two years, prices will drop” advice, but what if that never actually happens and you’ve in a worse position? This week we’re unpacking the market peak panic and what it actually means for you if you’re trying to buy right now. Then, we dive into a community DM about a partner with $40k of debt and zero urgency to pay it down. Is that just a personal choice, or a financial dealbreaker waiting to happen? But it’s not just big dilemmas on the table, we’ve also got clever money wins you’ll want to steal, broke tips that actually work, and a few confessions that prove none of us have it all together. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ 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.

We finally got to do it... sit down with Prime Minister Anthony Albanese and ask the money questions that actually matter to you. Not the political theatre ones, but the real-life stuff that keeps you up at night: the weekly food shop, housing that feels out of reach, and childcare costs that just don’t add up. But this wasn’t all serious policy talk. We dug into his own money story, swapped budgeting habits, and even threw him some of our favourite spicy questions; from Trump’s tariffs to his most unpopular money opinion. His answers? Let’s just say they weren’t what we expected. In this ep:💸 The childhood money memory that still shapes the PM today💸 His plan for tackling your biggest money stresses💸 How the PM really sees Australia’s housing crisis💸 The childcare shift that could change family budgets💸 His hot takes on Trump, crypto and billionaire space trips💸 The money habit hiding in his wallet 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.

Victoria and Brooke are always swapping notes on the shares and ETFs they’re watching... so we thought, why not let you in on the chat? This isn’t a “go out and buy” list. It’s the inside scoop on how they think about investing, what’s caught their eye, why it’s on the radar, and what has to happen before they’d actually jump in. It's the kind of financial gossip we live for, and it’s your chance to get pervy about what’s living rent-free in their investing brains right now.In this ep you’ll hear:📈 The beauty shares that sparked a debate about whether the market’s got it wrong📈 A cult business model that's got Brooke's attention📈 How our daily cofee fix is secretly shaping this global brand📈 The ETF that's giving Warren Buffet energy📈 The crypto angle you probably haven’t thought about yet📈 The tech company Victoria is fascinated by… and cautious ofLEARN 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.

Have you ever wanted to pack a bag, vanish from your old life? That’s exactly what this week’s Money Diarist did when her world flipped upside down at 21 and she had everything taken away from her, and it became the start of a money story she never saw coming. What began as a running-away chapter chasing her love of travel turned into years of odd jobs, fishing boats, and tour guiding, where lifestyle always came first and paycheques came second. But somewhere between chasing adventure and moving towns, she quietly built the foundation for a financial glow-up that would shock even her. Fast forward to today and she’s earning serious money, living far smaller than her income would suggest, and stacking wealth in ways that don’t make sense until you hear the full story. There are moments in this diary that will have you gasping, laughing, and maybe questioning your own risk tolerance. 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 - 4See omnystudio.com/listener for privacy information.

Tax time always feels like free money season… but is it really? This week we’re debating whether your refund should go straight into savings, into shares, or into the nearest Dyson Airwrap. And just when things couldn’t get more divisive, a community DM slid in: should you still split bills 50/50 when your housemate works from home (and claims it all back on tax)? Is it fair, or are you low-key subsidising someone else’s career? And we've got your community money wins, broke tips you’ll want to steal immediately, plus all the Friday chaos you signed up for. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ 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.

House hunting in 2025 feels... chaotic. That’s why this week’s Deep Dive is your playbook for finding "The One". Because the perfect property? It doesn’t exist. But the right one for you absolutely does... and we’re here to help you spot it before someone else puts their deposit down. Buying a house is stressful enough. Let’s at least make sure you’ve got the hacks and the confidence to chose your forever home. Inside the episode you’ll get:🏠The 80% rule that stops you chasing unicorn houses and starts you focusing on the gems🏠How to suss when an agent’s price guide is a fairy tale 🏠The sneaky Chrome hack that shows the real range🏠 How to get yourself on the VIP list for off-market properties🏠 Why you should be taking golf balls with you to inspections FREEBIE: First Home Inspection Checklist  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.

Every money story has a sliding door moment... the decision that could go either way. Stay safe, or risk it all. This week’s Money Diarist chose the second option: she sold her house, walked away from job security, and packed up the family for a sea change with no plan and no savings. Everyone (including her parents) thought it was risky. And honestly? At first it did look like financial chaos. But that one leap set off a chain of events she never could’ve predicted, the kind of glow up that proves the riskiest decisions sometimes deliver the sweetest rewards. You’ll hear how she navigated debt, uncertainty, and living week-to-week, the turning point that changed everything, and the money wins she still can’t quite believe are hers. If you’ve ever stared down a scary choice and wondered what might happen if you said yes… this is your sign to listen.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 - 451289.See omnystudio.com/listener for privacy information.

So… what is the magic number you should have when it comes to savings? Is it a neat percentage, a chunky dollar figure, or three months of bills sitting pretty in your account? This week we’re spilling the tea on how to work out your number, so you can stop guessing and start saving with a plan that actually makes sense for your life. Then we chat about what to do when financial advice doesn’t pass the vibe check. A community member was told to merge their life savings with their partner. Cute in theory, terrifying in practice. So, what do you do when the “experts” say one thing but your gut says absolutely not? We’re pulling apart the red flags, the real questions to ask, and why protecting yourself is the ultimate power move. And because it’s Friday, you know the chaos is here too: money wins (like a $340 dress scored for $80), broke tips that actually slap, and a ferret side hustle we did not see coming. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ 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.

Ever wondered how people actually know when it’s time to quit, pivot, or back themselves in a huge career move? Well Michelle Battersby's career was made on those moves. She ditched her safe banking job to launch unkown dating app Bumble in Australia, co-founded her own tech company Sunroom (and sold it while pregnant), and even walked away from an “end-of-career” salary because her gut told her no. This episode is her playbook on doing the scary thing and landing on your feet... plus the inside scoop on Fanfix snapping up Sunroom and what she’s plotting next.Michelle shares:💻 The very first sign it might be time to make a career move💻 Her go-to frameworks that turn “scary leaps” into strategic ones💻 The career reframe that makes failure impossible💻 The tiny work habits that make you look like an all-star employee💻 How women can make serious money in tech without being a “tech bro”Michelle's Links:Follow Michelle on Instagram here and TikTok here.Find out more about the ultimate motherhood app, Peanut, 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 had to say no to something you couldn’t afford... and it completely changed your life? This week’s Money Diarist has. She was literally ranked top 10 in the world as a professional athlete… while earning less than $20k a year. (Yep, you heard that right. Top 10 in the world, but that's all she was paid). Backed by her powerhouse single mum, she trained, studied, worked odd jobs, and poured everything into her sport, until the moment came to head to Europe to compete and the price tag was just too high. That no changed everything. Fast forward to today and her money story looks very different. She’s swapped early morning training for a six-figure 9–5, added a pilates side hustle and has gone through a casual financial glow-up. Fast forward to today and she’s swapped early morning training for a six-figure 9–5, added a Pilates side hustle, and gone through a casual financial glow-up. This diary has it all: the brutal truth about money in elite sport, a comeback story worth cheering for, and the reminder that your “no” today might just be what sets you up for a much bigger yes tomorrow. 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 - 451289.  See omnystudio.com/listener for privacy information.

Is it really a money hack if it leaves you wondering whether you’re saving money… or just signing up for a fancier kind of debt? This week, we’re unpacking the financial mystery that is the novated lease & whether they’re a money win or just marketing spin. We cover how they work, when they make sense, and the sneaky traps to watch out for. Then we spiral (in the best way) into the classic quarter-life crisis: passion vs pay cheque. A community member is tempted to swap her secure, well-paying job for a career that lights her up and promises all the shiny lifestyle perks... but with kids in the mix, the pay cut comes with a whole extra layer of complexity. So of course we had to give our two cents and ask the rest of the community for theirs too. And because it’s Friday, we’ve got all your favourites; money wins from our incredible community, broke tips you’ll actually want to steal, and a healthy dose of chaos to wrap your week right!PSA: If you want to treat yourself to the $60 facial we raved about from L’Occitane... here’s the link. You won’t regret it. And don't forget the $60 is redeemable on face care products on the day. Money win! Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ 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 know Victoria Devine as your finance hype girl… but for the first time ever, she’s sharing the part of her story you’ve never heard. The one where she was $40k in debt, lying awake at night wondering how on earth she’d dig herself out, and how she turned it all around.  This week, we’re going behind the scenes of V’s own money glow-up. How she went from maxed-out cards and money anxiety to complete financial freedom, and she’s not holding back. You’ll get the exact mindset shifts, money moves, and game-changing lessons she used, so you can steal them for yourself. Inside her debt-free playbook:💸 The moment V realised her debt wasn’t going to magically disappear (and what she did next)💸 The first game-changing move she made to start turning it all around💸 How she stayed motivated when the numbers felt way too big💸 The sneaky spending habits she had to break... and the ones she kept💸 The mindset shift that made paying off $40k feel possible💸 The money habits V still uses today to stay completely debt-free 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.

Women need to work 50 extra days just to earn what men made last financial year… and today, August 19, marks those extra days. It’s called Equal Pay Day, and in this special bonus episode Victoria is joined by Dr Samone McCurdy from the Workplace Gender Equality Agency to unpack the reality of the gender pay gap. But don’t worry, this isn’t your average “boring stats” chat. This is one of those conversations that’s equal parts frustrating, eye-opening, and empowering… the kind that’ll fire you up to demand better for yourself and for every woman who comes after you. Inside this ep:💸 Why the gender pay gap isn’t just “equal pay for equal work” 💸 The real reasons women are stuck playing financial catch-up to men💸 How the gap shows up beyond your your payslip and into every part of your money life💸 How falling behind today snowballs into less wealth and fewer choices tomorrow💸 Why “just ask for a raise” isn’t the fix, and what actually needs to change💸 The practical moves you can make right now to start closing your own gap Links & Resources:🔗Sign up to the WGEA Newsletter🔗More info on why Equal Pay Day even exists 🔗 The Gender Pay Gap Explained 🔗 How to Calculate a Gender Pay Gap 🔗How does your employer measure up?🔗Compare your employer to your industry and national data 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 would you do if after your wedding you found out your husband was hiding $40,000 of secret debt? Well, this week's Money Diarist rolled up her sleeves, worked two jobs to pay it off… only for him to leave her afterwards. But plot twist: it turned out to be the best thing that could have happened to her. From financial betrayal to an unexpected glow-up, today’s diary has it all. Career wins, seriously good money habits, and the kind of second-chance love story that proves the boy you sat next to in primary school might just turn out to be your financial dream man. It’s messy, it’s funny, and it’s proof that sometimes life has bigger (and better) plans for your money than the ones you first signed up for. 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 Natarsha 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 it looks like an MLM and quacks like an MLM… is it an MLM? That's the big dilemma our community member needs help with this week. Her brother is obsessed with a “self-development program” that’s apparently changing his life (and draining his bank account). Now he’s trying to sign up the rest of the family, and  it's giving MLM vibes. Then we’re jumping into another all-too-relatable situation: being the financially responsible one in a relationship. You’re saving for a shared goal, they’re spending big elsewhere. How do you get on the same page without turning into the budget police? It's slightly chaotic, surprisingly wise, and just the Friday fix you need. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ 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 guys have been BEGGING for a pervy look at the SOTM team’s money stories… and we finally have a volunteer. Brooke is not just responsible for our courses and video content, she is one of the best investors we know. So trust us, you’re going to want to take notes. From her very first investment to a 6-figure portfolio that’s on track to let her retire at 35 (!!), Brooke has built it all from the ground up with no family handouts or a finance degree. Just smart choices, consistency, and simple strategy. If you’ve ever wondered what it really takes to become a confident, consistent, and ridiculously effective investor, this is your behind-the-scenes pass. Here’s what’s inside:📈 How she built a $100k+ portfolio by 27📈 The exact investment mix powering her early retirement goal📈 The low-effort habit that keeps her wealth growing in the background📈 The investing mistakes she’s made (and what she learned from them)📈 The small tweaks that supercharged her returns📈 Why starting tiny might be the smartest investing move you ever makeIf you want to hear more investing content with Brooke let us know in the comments below!WANT MORE INVESTING CONTENT: Head here to find our investing freebies, podcast playlists and course information. 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.

Ever dreamed about walking out of your 9–5 and building something completely different... something that changes your life and other people’s? This week’s Money Diarist actually did something exactly that. She walked away from the kind of job that makes you watch the clock, stepped into an industry most women don’t even look twice at… and turned it into a seven-figure business. Yep. Seven. Figures. Now she’s using that success to bring more women into the fold, helping them build skills, confidence, and the kind of “I can handle anything” energy you can take anywhere. We chat about the hustle, the hiccups, the debt-free dream home plan, and (because why not) her future holiday house overseas. If you’ve ever thought “I could never do that,” you might after this. 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 Natarsha 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 do you do when your financial goals clash with the people closest to you? This week, we’re diving into the messy, emotional side of shared finances, from property co-ownership drama to parenting across two households with totally different money vibes. First up: one listener is trying to build a future with her partner, but there’s a major catch... he owns a home with his sister, and she’s not ready to move on. We unpack what happens when family, finances, and real estate get tangled, and how to protect your relationship (and your sanity) when it’s time to move forward. Then, we get into a dilemma so many of you will relate to: how do you teach kids good money habits when they’re growing up between two completely different financial worlds? We talk boundaries, budgeting, and how to raise financially savvy humans without starting a family feud. Plus, we’ve got everything you need to kick off your weekend right: Your favourite money wins and confessions, broke tips you'll want to steal and all the unhinged chats you love.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ 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.

Wanna know the #1 thing rich people do differently? It’s not their salary. It’s not their savings. It’s their mindset... and it’s learnable. This week, Victoria’s spilling the tea on Rich Girl Mindset, because truth bomb: it doesn’t matter how much you earn if you’re stuck in a loop of self-doubt, scarcity, and “I’m just bad with money” energy. We’re diving deep into the beliefs that are keeping you small, broke, or just constantly stressed, and replacing them with the kind of money mindset that actually builds confidence, clarity, and calm. This isn't about manifesting or toxic positivity. It's real talk that rewires your brain and gets your money working with you.  In this ep you’ll learn:💸 The #1 mindset trap keeping you stuck in “just getting by” mode (and how to get out)💸 What every Rich Girl actually knows, and how to start thinking like one today💸 The hidden money beliefs from your past that are quietly holding you back💸 Two mindset shifts that’ll change the way you earn, spend, and feel about money💸 The sneaky ways you might be self-sabotaging your financial glow-up💸 Why your income doesn’t define your financial confidence, but this does 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 life changes in an instant, and the world expects you to carry on? This week’s Money Diarist had everything in motion: a new home with a pool, $40k in savings, a baby on the way, and a backyard wedding just around the corner. But days before she was meant to walk down the aisle, she faced the unimaginable: her daughter was stillborn. In this deeply personal and courageous conversation, she opens up about what came next; grappling with grief, navigating systems that weren’t built for moments like this, and trying to stay afloat when everything felt like it was sinking. From Centrelink confusion and being forced back to work too soon, to finding moments of light in Taylor Swift concerts, this is a story of love, loss, and learning how to begin again. Content warning: This episode contains discussion of stillbirth, grief, and pregnancy loss. If this topic is sensitive for you, please take care when listening or skip this one altogether. For support, you can contact Red Nose Grief and Loss on 1300 308 307, which offers 24/7 bereavement care and specialised support for anyone affected by miscarriage or stillbirth. 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 Natarsha 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.

How do you know when it’s time to sell a property? Whether it’s your investment, your starter home, or just the one with the dodgy plumbing that won’t stop haunting you, this week we’re diving into a dilemma one listener’s facing: is it smarter to cash out now, or hold on and hope for the best? We unpack what actually makes a property worth keeping, when it’s smarter to cut your losses, and how to weigh up the financial stress against the long-game payoff... without losing your sanity (or your savings) in the process. Then, we get into a spicy little debate courtesy of another DM: can you say you’re “broke” when you have savings but you're just out of "fun money"? We're talking the emotional side of money language and why “broke” means different things to different people. Plus we've got you favourite money wins and confessions, broke tips nd enough financial chaos to carry you straight through the weekend.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ 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.

Trying to figure out how much super you actually need? Yep, it’s confusing. With all the numbers, charts, and retirement buzzwords flying around, it’s no wonder most of us throw it in the “deal with it later” pile. But future you? They’re going to be so glad you tuned in. This week, Victoria’s giving you the real talk on super: why comparing your super to everyone else’s might leave you short, how to figure out your own retirement number and what to do if you’re feeling a little (or a lot) behind. This episode is all about ditching the overwhelm and making you feel empowered by your super.  In this ep you’ll find:💸 The average super balances everyone’s curious about 💸 What the “ASFA comfortable retirement” number is... and if we’re buying it💸 How much super you'll actually need for the retirement lifestyle you want💸 A stack of free tools that do the hard maths for you💸 The easiest way to check if you’re on track 💸 Tiny super habits that can have a serious impact on your balance RESOURCE LINKS: Super Detective: Calculates the super balance the ASFA says you should have today, based on their numbers for a comfortable retirement.Money Smart's Super Calculator: Calculates your super balance at retirement.Money Smart's Retirement Planner: Calculates your yearly retirement income, including any super you could be eligible for. 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 grew up on Centrelink. Now she’s got $240K in super, six figures in shares, and two properties... all before 35. This week’s Money Diary isn’t just inspiring. It’s a masterclass in breaking the cycle, building serious wealth, no matter where you are starting from. She’s a teacher, a mum of two, and someone who’s turned smart, consistent money moves into real financial freedom. This episode is packed with practical tips, investing inspo, and clever hacks you’ll actually want to try. If you’ve ever felt behind, stuck in a scarcity mindset, or unsure how to even start building wealth, this one’s full of lessons for you. Because spoiler: you don’t need to come from money to make money. 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 - 451289.See omnystudio.com/listener for privacy information.

Ever felt like your job’s covering the bills but slowly crushing your soul, and caught yourself wondering, surely there’s more to life than this? This week, we dive headfirst into the career pivot spiral: is chasing a dream job worth the financial hit, or should you suck it up and stay for the salary? We unpack the real costs (money, mindset, and missed brunches) and how to test-drive a new path without blowing up your budget. Then we dial up the drama with a DM from our community: her sibling’s throwing a fairytale wedding… funded by delusional levels of debt. Do you step in, say nothing, or just top up your champagne and smile through the financial meltdown? And as always, we’ve packed in your money wins (from free burgers to $30 fashion hauls), unhinged broke tips, and a healthy amount of feel-good chaos to carry you into the weekend. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ 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.

Ever felt like you’re one ask away from changing your whole life? Well, this episode is inspiration you need to shoot your shot. This week Victoria is sitting down with Troy Benjamin, hot off his big win at the 2025 NAIDOC awards. Troy is the powerhouse behind Blak Brews, a proudly First Nations-owned tea brand that started during COVID and has since grown into a full-blown national success story. But this episode isn’t just about business wins. It’s about what it really takes to back yourself and stop waiting for someone else to give you permission to go after what you want... AKA the pep talk you didn’t know you needed. In this episode:🍵 A better way to ask for help (and actually get a “yes”)🍵 The sneaky ways ego could be messing with your money and momentum🍵 Dealing with imposter sydrome, even when success shows up🍵 The surprisingly simple mindset shift that helps you back yourself🍵 A smarter approach to testing new ideas... without blowing your budgetTry Blak Brews tea and coffee here, follow them on Instagram and Facebook and visit them at the Booln Booln cafe. 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.

Feeling the cost of living squeeze? This week’s Money Diarist is too. She’s a vet, a mum of two, and part of a household doing all the “right” things… but still feeling seriously stretched. With interest rates climbing and every non-essential cut (yep, even the home internet), she’s in one of those seasons where money stress is just part of the daily juggle. This one is real, and way too relatable.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 - 451289.See omnystudio.com/listener for privacy information.

The HECS 20% discount has the whole community buzzing, and we’ve been getting so many DMs asking whether you need to wait to lodge your tax return because of it. And because we love you, Victoria went full finance detective and called the ATO herself (Yes, she waited on hold so you don’t have to). We’ve got all the tea on what you need to do, and where the government’s actually at with rolling it out. Then things get very spicy when a community memeber drops into our DMs with the ultimate workplace dilemma: she accidentally found her colleague’s payslip... and he’s making 25% more for the same role. What would you actually do? Do you go to your boss, pretend you never saw it, or start job hunting with a vengeance? Plus, as always: juicy money wins, broke tips (yes, including how to get paid just for driving safely), and a big dose of feel-good chaos to wrap your week right. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ 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've ever been offered insurance at the checkout and thought, “Wait… do I actually need this?” this ep is for you. From phone cover to pet insurance, there are so many policies that sound smart in the moment but just turn out to be clever marketing. So I called in friend of the show and insurance expert Phil Thompson from Skye Wealth to help us sort the genuinely helpful from the total money drains. We’re breaking down the covers that quietly siphon your cash, the underrated ones that actually protect your biggest assets (you might be surprised what they are BTW), and the sneaky traps hiding in default policies. If you’ve been meaning to clean up your insurance but don’t want a boring lecture about premiums and policies, this is your no-drama, straight-talking guide on what to keep, skip, or switch. In this episode:💸 The insurances we’d never waste our money on 💸 Why default income protection through super might leave you stranded when it counts💸 Pet insurance or DIY vet fund? We put them head-to-head💸 The spicy truth about funeral insurance (and why it’s a hard pass for us)💸 How to get expert insurance advice without dropping four figures💸 The “Ferrari rule” that’ll change how you think about your income forever GET YOUR INSURANCES SORTED: With Phil and his team at Skye Wealth 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.

Ever felt like your whole life got flipped without warning? Like one minute you're managing work, babies, bills... and the next, everything's on fire? This week's Money Diary is for anyone who's had to start over when they really, really didn’t plan to. The same week our diarist returned to work after maternity leave, her husband left (over text!!!) for another woman, leaving her with six-month-old twins and half of their $50K in debt. But after all that heartbreak, what follows is the kind of ending that makes you think: "That breakup? Honestly, best thing that ever happened to you." We're talking career glow-ups, investing wins, serious boundary-setting, and a new partner who proves the good ones do exist. This one’s for anyone who needs a little reminder that your worst moment might just be your turning point. 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 - 451289.See omnystudio.com/listener for privacy information.

It’s the finance hot take that’s everywhere right now, but is your partner really the biggest financial decision you'll ever make? This week, we’re taking a closer look at the money-meets-love dilemma that’s dividing the internet, and our community. What happens when you're a budgeting queen with big goals, and they’re... just not? Is financial compatibility a dealbreaker, or is there more to the story? We also dive into the side hustle stress no one talks about: how to manage money when your “fun little project” suddenly starts making bank. It’s full Friday Drinks energy: slightly chaotic, surprisingly insightful, and the financial group chat you didn’t know you needed. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ 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’ve spent five minutes on TikTok lately (okay, five hours), you’ve probably stumbled on the “most unhinged hack” trend... people sharing their weirdest, wildest ways to solve life’s problems. And when one clever member of our She’s On The Money community asked for the most unhinged ways to stop unnecessary spending, and you guys well and truely delivered. These hacks might sound chaotic, but don’t be fooled. Underneath the chaos is a heap of helpful, psychology-backed, behaviour-breaking brilliance. Because sometimes a budget just isn’t enough. Sometimes you need a strategy that’s equal parts unhinged and actually effective. In this ep you'll find:💸 The social media tweak that kills retail temptation before it even hits your feed💸 The hair tie trick that’s backed by real behavioural psych (and actually works)💸 The dopamine swap that turns UberEats cravings into tiny investing wins💸 The one phone setting that takes all the sparkle out of online shopping💸 The “if it’s under…” mind game that makes every impulse buy a budget test💸 The subscription-killer move that forces you to rethink what you really use FREEBIE: Join our 30-Day Reframe Challenge 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 would you sacrifice for your long-term financial goals? In this week’s Money Diary, we meet someone who made a bold, unconventional choice... moving countries solo, leaving her husband behind, and taking on a whole new life to set up their future. From rural Japan culture shocks to rapid salary growth and a financial strategy that’s anything but ordinary, this ep is full of unexpected turns, big mindset shifts, and proof that building wealth doesn’t always look the way you’d expect. 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 - 451289.See omnystudio.com/listener for privacy information.

You’re earning more, budgeting better, and technically doing everything right... so why does spending still make you feel like you’re one click away from financial ruin? In this week's ep, we're unpacking the inner broke girl energy that so many of us carry (even when our bank balance says otherwise). Sometimes it's not your budget that needs a glow-up, it's your mindset. Plus things get spicy when a community member asks where we stand on tipping culture... do you tip, when do you tip, and are we all just too awkward to ask for change back? We’ve got thoughts. And of course we've got all your money wins and confession, and broke tips that you love.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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, we’re diving into five shares that absolutely popped off last financial year, and what they can actually teach us about smart investing. Some were expected (hello, gold rush), others were more niche, but all of them have big money lessons baked in. From pharmacy shakeups to booming tech, we’re unpacking what really drives a share price, how to spot strong business stories, and why investing is about more than just crossing your fingers and manifesting gains. Whether you’re deep in your investing era or just market-curious, this one’s all about making investing feel less intimidating, and way more empowering. Here’s what we cover:📉 Why gold is having a moment… and the miner that surged 150%+📉The new pharmacy powerhouse on the ASX📉The furniture brand making waves (and margins) through AI and drop-shipping📉 The everyday app for parents and pet owners… that quietly crushed the stock market.📉 And why “booming” doesn’t always mean “buy 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 - 451289.See omnystudio.com/listener for privacy information.

Ever wondered what it’s really like to chase your dreams in the Big Apple? In this week's ep, we’re cracking open a glam, gritty, and oh-so-real money diary straight from New York City, featuring an Aussie expat who’s living the dream… and navigating all the money stuff that comes with it. Working as a headhunter in NYC, she’s juggling Manhattan rent, 401ks, and a mortgage back home she shares with her siblings. Oh, and she’s got a seriously genius strategy for staying stylish in the city without blowing the budget. It’s the NYC hustle, with an Aussie twist.  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 - 451289.See omnystudio.com/listener for privacy information.

Have you ever celebrated hitting a big financial milestone... and then you take a look at what your friends are doing and suddenly your win doesn’t feel so shiny. This week, we’re diving into the mental minefield that is the money comparison trap... the spiral that hits even when you know you’re doing okay. We also break down what to do if you accessed your super during COVID and want to catch up (or feel like you “should”). Is it worth topping up? Where do you even start? Plus we've got all your fave money wins, broke tips and chaotic money chats. LAST CHANCE: to sign up to The Investing Masterclass, it starts July 1 and you can sign up here.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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 heard her voice open every ep... but this week, we’re handing her the mic for real. In this Business Diary edition, we’re getting the full download from the magnetic, powerful, and wildly inspiring Nartarsha Bamblett, aka Queen Acknowledgements. Nartarsha never set out to be a founder. But when her way of doing Acknowledgement of Country started shifting rooms, opening hearts, and creating real connection… the business found her. In this episode, Nartarsha shares how she turned cultural wisdom, community care, and pure presence into a business that’s rewriting the script on what it means to work with purpose... and get paid for it. We talk about:🔥Charging for something sacred, and why that’s not up for debate🔥Turning passion into profit (without the burnout)🔥Building a business that fits around motherhood, not the other way around🔥The reality of saying no, and trusting the right clients will come🔥What work-life “balance” really looks like when you’re building something that matters This one’s powerful and full of the kind of business wisdom you feel - not just hear. Check our Nartarsha's website and Instagram.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.

Ever felt like life just keeps testing you… one heartbreak after another? This week’s Money Diary isn’t just about grief, it’s about the admin that comes with it (and no one warns you about). After losing both her parents, our diarist found herself deep in paperwork, probate, Centrelink forms, and co-executor chaos… all while pregnant and juggling two little ones at home. From the emotional mess of selling the family home to navigating bank accounts, and all the estate drama, this is the side of money we don’t often talk about, but so many of us will face. And through it all? She’s budgeting, investing for her kids, and still somehow holding it together. This episode is a reminder that sometimes, surviving is the win. If you want to learn how to start building your own investment portfolio, The Investing Masterclass is open for enrolment. Join us 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 Natarsha 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.

It starts as a simple question: should I buy a house or invest in the share market? What begins as a classic money dilemma quickly unravels into a much bigger conversation... about pressure, identity, and whether the goals we’re chasing are even ours to begin with. Plus, we tackle a seriously juicy DM about uprooting your entire family for a “life-changing” job (that may only last a few years), whether commuting ruins your happiness, and why it might be time to outsource your vacuuming. Oh, and there’s also a heated musical theatre debate and some spicy ADHD brain revelations in there too.WANT LEARN HOW TO INVEST? The Investing Masterclass is here.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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.

Feel like your 2025 money goals ghosted you around February? You’re not alone... and babe, it’s time for a financial glow-up. In this episode, we’re using EOFY energy to reboot your budget, clean up your spending habits, and get your money working for you (not the other way around). We’re talking five fast, feel-good steps to sort your finances before June 30 hits, and no, it’s not about cancelling every brunch or surviving on rice and regrets.In this episode:💅 “Keep, Cut, Switch”: the spicy budgeting game your bank account needs💅 How to get a better deal on your bills without speaking to a single soul (yes please)💅 A supercharged tip your retirement fund will write you a thank-you note for💅 The sneaky super hack that could fast-track your house deposit (and feels a lot like legal money laundering 👀)💅 Why your spending habits might actually be... feelings in disguiseReady to feel calm, in control and like an actual financial adult by Christmas? Let’s go.Want to start growing your money? Join The Investing Masterclass 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 Natarsha 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 do you do when your entire career plan falls apart.... and you're 26, jobless, and living back with your parents? This week’s Money Diary is the plot twist we didn’t see coming: our diarist went all in on her dream to join the Army as a psychologist, only to face a medical discharge that left her completely derailed. With no plan B, she found herself burned out, broke, and scrambling. But that’s not where her story ends. Fast forward: she’s in a meaningful career, investing like a pro, and just bought her first investment property with her boyfriend. We’re talking big glow-up energy, with money habits to match. 💸 What she learned from burning through $30k of savings💸 How salary packaging gave her an extra $20k a year💸 Why separate bank accounts changed everything💸 The one money habit that turned it all around💸 How she built a $70k share portfolio by age 26💸 And the juicy details of her first investment property It’s one of those episodes that’ll have you rethinking your money habits, rewriting your budget, and realising maybe plan A wasn’t the best plan after all.If you want to learn how to start building your own investment portfolio, The Investing Masterclass is open for enrolment. Join us 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 Natarsha 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, we’re talking about one of the biggest money traps out there: car finance. It seems simple... buy the car, pay it off... but what if the way you’re financing it is quietly costing you thousands? From mortgage refinancing to dealership loans, Victoria breaks down the smart ways (and not-so-smart ones) to fund your next car, and the red flags to look out for before you sign anything. And we've got a heated child support DM that had us all fuming. When a co-parent uses child support as ammo against their ex, what’s fair game, and what crosses the line? We get deep into emotional manipulation, kids' financial literacy, and how to protect your peace (and your children’s) when the other parent is being... not so financially kind. Plus, it's Friday so there's all the unhinged money chats you know and love.  WANT LEARN HOW TO INVEST? The Investing Masterclass is here.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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 if the secret to building a trillion dollar fortune wasn’t flashy trades or risky crypto bets, but something so boring, it’s actually kind of genius? In this episode, we’re taking a look at the investing strategy of the world’s most low-key billionaire... and showing you exactly how to start doing it yourself (no, you don’t need a six-figure salary or a finance degree). From his first investment at age 11 to the simple rules he swears by, we unpack the mindset behind Warren Buffett’s slow-and-steady success... and why it just might be the smartest way to build your own wealth. 📈What makes Warren Buffett the GOAT📈The biggest investing lesson he ever learnt (at 11 years old)📈A strategy so simple, it’s suspicious... and worth billions📈The 3 things a company needs to have for Buffett to invest📈The 1 investing move he recommends for his wife, and you tooReady to start investing? Join The Investing Masterclass 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 Natarsha 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 thought she was good with money. Her salary was solid. Her bills were paid. She was even traveling. Life looked fine... until it wasn’t. This week’s Money Diary is all about the slow realisation that earning well doesn’t mean you’re building wealth. After a divorce, a court battle, and two lost properties, she hit financial rock bottom. But what really shook her? Watching a $20K bonus disappear, and not being able to say where it went. That was the moment everything changed. She started tracking every dollar and bought a place to call her own doing the work to build a future she's proud of.  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 Natarsha 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 finally built up a bit of savings, so… what now? Do you keep stockpiling cash, or is it time to back yourself and start investing? This week on Friday Drinks, we’re tackling the save vs. invest debate. We’re not here for one-size-fits-all answers, we’re here to help you figure out what move actually fits your life and your goals. And then it gets juicy. We unpack a seriously tense inheritance dilemma involving family property, blurred boundaries, and a brother with big expectations. It’s full Friday Drinks energy: spicy, thoughtful, and packed with the kinds of money convos no one else is having (but we all need to hear). WANT LEARN HOW TO INVEST? The Investing Masterclass is here.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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 if we told you your loyalty to your bank could be costing you thousands… and your bank is hoping you never notice? By popular demand, Jaclyn Walsh from Zella Money is back to chat why refinancing could be the sneaky power play your bank really hopes you don’t make. We’re breaking down how it works, when it’s worth it, and why a mortgage broker might be your secret weapon to getting the best possible loan for you.  Whether you’re looking for a better rate, more flexibility, or just want to stop donating extra cash to your bank each month, this episode has everything you need to know. In This Episode:💸 How to know when it’s time to rethink your mortgage💸 The surprising ways refinancing can save (or cost) you thousands💸 Why cashback deals aren’t always the flex they seem💸 What a good mortgage broker can do that your bank won’t💸 And the number one excuse that’s keeping people stuck on bad ratesFREEBIE: Get our She's on the Money Mortgage rate calculator here.For all your mortgage and refinancing needs, you can contact Zella 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 Natarsha 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 leave a job you love, move countries while pregnant, and bet on someone else’s career dream... with the hope it could all pay off big? This week’s Money Diary is a bold one. Our diarist packed up her life in Australia to move to San Francisco for her husband’s startup job, trading career security for the chance at something bigger. Now, she’s navigating life without an income, American healthcare, wild rent, and double tax returns... all while preparing to become a mum. It’s a powerful reminder that sometimes the biggest money moves aren’t about what’s in your account. They're about what could be, if the risk pays off. 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 Natarsha 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 wondered if your parents are set up for retirement? And what that might mean if they’re not? This week on Friday Drinks, we’re unpacking a dilemma that’s hitting way too many millennials right now... the quiet stress of realising your parents might not be financially ready for the future, and the pressure of what happens next. Plus, it’s starting to get colder, and that means heater wars, passive-aggressive group chats, and winter power bills that could wreck your budget faster than you can say “"put a jumper on". It’s a classic Friday Drinks: a little bit unhinged, a whole lot real, and full of the money convos no one else is having... but we definitely should be.Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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 skipped the oat lattes, cut back on everything that sparks joy, and you’re still not getting ahead. Maybe it’s not about spending less... it’s about earning more? This week, we’re talking about the power of a strategic pivot, because you might already have 87% of the skills you need to switch things up. Whether you're ready for a role that pays more or offers flexibility, we’re showing you how to back yourself before you tick every box. Victoria shares how to make a pivot without starting from scratch, how to turn side skills into job-ready assets, and why your cover letter might just be the strongest tool in your job hunt, if you actually use it properly. In This Episode:💼 Why earning more can be your most powerful money move💼 What a strategic pivot actually looks like💼 How to use skills you already have that could boost your income💼 How to make your resume results-driven and recruiter-proof💼 Why your cover letter is your ultimate power move DOWNLOAD: Your resume and cover letter guide 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 Natarsha 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 graduated top of her class, a had a house, and $200K in savings. On paper, she was set. But then came chronic health issues, three kids, and two cancer diagnoses... and suddenly the plan didn’t matter. This week’s Money Diary is about what happens when full-time work isn’t an option, savings don’t last forever, and success looks a lot different than it used to. Our Money Diarist talks about walking away from an investment property, learning to live with less, and figuring out how to rebuild without burning herself out in the process. If you’ve ever had to make hard calls, slow everything down, or just survive the season you’re in, this one’s for you. 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 Natarsha 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 would you do if you had the chance to build your dream home, but your name wasn’t on the title? This week, we’re unpacking a dilemma that’s equal parts dream opportunity and legal nightmare. Plus, we hear from a listener who is pushing herself to the limit because the money is just that good. But what happens when the hustle leaves you physically unwell, emotionally drained, and one shift away from total burnout? It’s a classic Friday Drinks: a little bit unhinged, a whole lot real, and packed with the kind of fun that still makes you smarter with your money. Sort your insurances with Skye Wealth. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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 planned your budget, built your emergency fund, and followed all the financial advice... but what happens when life throws something so big, so chaotic, that none of it is enough? In this ep we're joined by special guests, and the writers of new book Broken Brains, Jamila Rizvi and Rosie Waterland. Two women whose lives were turned upside down by illness, trauma, and the brutal reality of trying to keep your head above water when your brain and body won’t cooperate, and the bills keep coming anyway. We talk about the invisible costs of being unwell, the gap between public support and real-life needs, and the quiet shame that follows financial instability and even lasagna inequality (yes, really). It’s raw, it’s funny, it’s deeply human, and it might be exactly what you need to hear right now. Content Warning: This episode contains discussions of serious mental illness, trauma, childhood abuse, psychiatric care, and financial distress. Please listen with care, and know that support is available. If you or someone you know is struggling, contact Lifeline at 13 11 14 or visit Beyond Blue. Broken Brains by Jamila Rizvi and Rosie Waterland – Grab your copy here!Follow Rosie Waterland on Instagram and follow Jamila Rizvi on Instagram Acknowledgement of Country By Natarsha 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.

Ever felt like you’re doing everything right with money… and still wondering where it all went? This week’s Money Diarist shares what it’s really like to feel stuck in a cycle of emotional spending, hidden purchases, and guilt — even while working hard toward big financial goals. She found herself secretly spending $500 a fortnight, avoiding her bank app, and feeling like she’d never break the habit. But with some hard truths, a little therapy, and a seriously smart savings system, she turned it around — managing to save $60,000 and start building the future she actually wanted. We also unpack life with a $1.1 million mortgage, how she’s balancing career dreams with financial goals, and yes… whether that designer handbag really counts as an “investment.” Press play, this is your reminder that even if it feels hard right now, change is always possible. Acknowledgement of Country By Natarsha 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.

It’s one thing to feel bad about your own money decisions… but what if it’s your parents making you feel worse? This week, we’re diving into why family opinions about how you spend, save, and handle your money hit harder than they should, and how to shake off the guilt so you can make decisions that actually work for you (not just to keep the peace at family dinners). Then, we switch gears and tackle a huge financial decision selling your home. What are buyers actually looking for right now? And when your real estate agent offers advice, should you listen… or trust your own research? Plus, the usual chaos: slightly rogue broke tips, some brilliant money wins, and a very important conversation about whether IKEA meatballs count as financial self-care. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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.

AI is everywhere right now. It’s writing emails, making playlists, and popping up in every “get rich quick” TikTok you scroll past. But when it comes to your hard-earned money, is this actually the smart place to invest… or just another hype train about to derail? In this episode, we’re breaking down what’s really going on with AI and tech shares and why throwing your savings at the next shiny thing might not be the wealth-building move it’s made out to be. Are you already too late for the big wins? Are tech giants like Apple, Amazon, and Nvidia still a safe bet? And how do you know if you’re investing for future-you… or just chasing financial FOMO? In This Episode:🤖 Why everyone’s suddenly obsessed with AI (and if you should be too?)🤖 How to spot the difference between a smart investment and financial FOMO🤖 What history’s bubbles (hello, dot-com crash!) can teach us about today’s hype🤖 Why you don’t have to be early, you just have to be smartNOTE: This episode was recorded before Trump announced changes to the chip export rules were on the way, so this is something we will be keeping our eyes on to see how it plays out!LISTEN TO: Our Money Diary on working in tech... The Truth About Big Tech Money From Someone Living It Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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 love fades but the debt remains?  This weeks money diarist found herself caught between what her heart knew and what her bank account wouldn’t allow. With her finances tangled and the exit door feeling impossibly far away, she stayed longer than she wanted — not because she didn’t want to leave, but because she didn’t know how she could afford to. This is a story about quiet resilience and the slow work of reclaiming your independence.  Content Warning:This episode discusses themes of emotional abuse, financial control and threatened suicide. 1800RESPECT is available 24/7 for confidential support at 1800 737 732 or 1800respect.org.au. or In an emergeny or if you are feeling unsafe always call 000.  If you’re feeling trapped by debt or financial hardship, you can contact the National Debt Helpline at 1800 007 007 or visit ndh.org.au for free, confidential advice. Acknowledgement of Country By Natarsha 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 dropped over $1,000 being in the bridal party... dress, hen’s, flights, accommodation… the works. So when the wedding rolls around, do you still owe them a gift? This week’s episode brings the wedding etiquette drama (and the budget stress) we all secretly talk about. Plus, one of the biggest money dilemmas we hear:Should you throw your savings into super and score a tax win, or save for a house deposit and try to beat the market? We’re breaking down how to figure out what’s actually right for you, including the First Home Super Saver Scheme, and how to balance future-you with right-now priorities. And it's Friday so we've got all your money wins, DIY car repairs, homemade jelly, and the kind of broke tips only this community could come up with.Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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.

Ever promised yourself this would be the month you finally stick to a budget… and then ordered Uber Eats twice before Wednesday? Well, this episode is your permission slip to stop blaming willpower and start building smarter systems. Because the truth is: good money habits aren’t about discipline, they’re about design. We’re unpacking the psychology of habits, why your brain loves to self-sabotage (blame the caveman settings), and how to make budgeting feel less like punishment and more like autopilot. Plus, the tiny tweaks you can make today that’ll actually stick.  In This Episode: ✨Why motivation isn’t the magic solution we think it is✨How to spot your habit triggers — and use them to your advantage✨What “habit stacking” is and how to make it work for your money✨Building systems that save you from yourself (and your phone) Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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’re smashing savings goals… and your partner is dragging debt behind him? This week’s Money Diarist is the kind of person who plans, budgets, and makes things happen. Her partner? Not so much. But instead of giving up or giving in, she stepped up.... managing the money, making the plan, and slowly pulling them into a better place. It wasn’t easy. But now, they’re out of debt, kicking goals, and building a life with way more control than chaos. It’s honest, relatable, and seriously motivating if you’ve been doing the financial heavy lifting (or just need a lift yourself). 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 Natarsha 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.

Gold prices are on the rise… but does that mean you should be out here buying bars? This week’s Friday Drinks kicks off with a shiny dilemma: one listener wants to know if investing in gold bullion is a smart financial move, or just a panic response. So we're chatting about when gold actually makes sense as an investment (and whether that jewellery sitting in your drawer is secretly part of your portfolio). Then we get personal: would you delay your dream job just in case you want to have kids someday? We dive into the pressure to plan around maybes and how to make big life decisions when nothing feels certain. Of course, it wouldn’t be a Friday ep without your money wins and broke tips. Content Warning: This episode includes discussion of miscarriage. If this topic is distressing for you, you may want to skip this one. And if you need support, Miscarriage Australia has a list of helpful resources available here.FREEBIE: we’ve teamed up with our friends at Moonpig again for a pretty iconic Mother’s Day offer: right now, you can send your first card completely free with the code MUMSOTM. Head here and add a cute photo, a sweet message, maybe even a voice note.  Webinar Replay: Catch the Constant Contact webinar replay here, and the first small business marketing mini series youtube video here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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.

Think you need a fancy black Amex credit card to start points hacking? Think again. Because, today, we're joined by our very own resident points queen, Jess Ricci and she spills exactly how you can stack points, cash in bonuses, and score free flights, KitchenAids, and even Dyson vacuums... without ever swiping a credit card. We’re sharing the real rules of smart points hacking, why loyalty programs actually make companies money (and how we’re flipping that to our advantage), plus the stacking tricks, bonus offers, and sneaky little hacks you need to know. Inside This Episode: ✈️How to actually make points work for you (without spending more)✈️The best loyalty programs to jump on right now✈️Smart bonus stacking 101: double dip, triple dip, WIN✈️When to use your points for flights vs upgrades vs shopping✈️The real rules of savvy points hacking (and what to ignore) Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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.

They flipped one house and flipped their whole future. Ever wondered if flipping a property could actually change your life? Today’s Money Diarist shares how she and her husband scraped together a deposit, lived in a caravan while they renovated their first fixer-upper, and flipped it for a serious profit. Once they realised they had a knack for it, they didn’t stop at one and turned their property skills into a growing business, more financial freedom, and a future with way more options than they had before. 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 Natarsha 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 episode is all about those moments when you know something’s not working, but you don’t know how to change it. Whether it’s setting boundaries around your time, charging what you’re worth, or figuring out how to leave a relationship that no longer serves you… when money’s involved, it gets complicated. We’re getting into what keeps people stuck, how to start building a way out (even if it feels impossible right now), and where you can turn for help that’s real and judgment-free.  And because it’s a Friday show, we’re also lightening the mood with your favourite money wins and chaotic broke tips (Cheesels over chips? Discuss). The National Debt helpline is a free resource you where can speak to financial councillors about your debt. Call 1800 007 007 or visit https://ndh.org.au/Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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 made $30k in one day... and that's not even the most impressive part. With over 2 million TikTok followers, viral cash-counting clips, and a six-figure business built from the ground up, Kayla Jade is one of the most recognisable (and unapologetic) faces in Australian content creation. And she’s not just here for attention. She’s here to build wealth.She’s an OnlyFans creator, full-service sex worker, digital entrepreneur, and financial powerhouse (with a brand new podcast you're not going to want to miss) who went from fixing her car with duct tape to negotiating five-figure bookings and flipping that income into property, power, and long-term financial freedom. It’s an unfiltered chat where Victoria gets to ask all the questions you’ve been dying to know.... and Kayla doesn’t hold back. You'll hear: 🔥 How she made $30K in a single day (yes, really)🔥 The business model behind OnlyFans — and the boundaries that protect it🔥 Why she stopped the flashy spending and started building a property portfolio🔥 The stigma, double standards and assumptions she’s still pushing back against🔥 How she’s turning internet fame into long-term financial freedomIf you loved this chat, you’re going to binge her new pod. Listen to Storytime With Kayla Jade and follow her TikTok here.Content note: We chat about sex, work, money and everything in between you might want to skip this one if little ears are around. Acknowledgement of Country By Natarsha 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 walked away from a corporate law career to chase something that didn’t quite make sense on paper... and ended up co-founding one of Australia's most recognisable wellness brands. Georgie Stevenson wasn’t trying to build a business. She saw a gap in the wellness space, backed herself, and built Naked Harvest (now being rebranded as NU Harvest) into a multi-million dollar company with her brother by her side. No investors, just a product women were craving, and the guts to do things differently. In this Business Diary, Georgie opens up about disrupting a male-dominated industry, growing a physical product brand from scratch, and the mindset it takes to lead through big growth (and bigger pressure). We talk about:💡 Disrupting a male-dominated space with products that put women first💡 Building a business with your sibling (and making it out alive)💡 Leading through imposter syndrome, intuition, and therapy💡 And why the woman who never planned to be a founder… isn’t done yetHit play for biz lessons, big energy, and the kind of founder chat you’ll be thinking about long after your walk ends. Acknowledgement of Country By Natarsha 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 didn’t go to uni. She’s 26, bought a home young, and has been building her money confidence piece by piece. But when her dad passed away and left her an inheritance, she found herself completely stuck. Not because she doesn’t care — but because the pressure to use it “right” is heavier than she expected. This week’s Money Diary is about grief, guilt, and trying to make a smart money decision when your heart’s still catching up. It’s honest, emotional, and packed with the kind of real-life money moments no spreadsheet can prepare you for. 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 Natarsha 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 been offered a new job with better pay and less stress. But here's the catch: leaving your current role means giving up employee shares that might make you a millionaire one day. So… what would you do? We’re unpacking the emotional rollercoaster of choosing between short-term peace and long-term potential, why golden handcuffs are very real, and what we’d do if we were in her shoes (spoiler alert, we didn’t all agree). We also introduce you to LICs — ETFs' more mysterious (and slightly riskier) cousin — and unpack whether they deserve a spot in your portfolio. Plus the usual chaos, unfiltered opinions, and broke hacks you didn’t ask for but you’re getting anyway. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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.

Ever wondered how She’s on the Money went from a Facebook group to a full-blown empire? In this special episode, she finally shares the real story: the chaos, the challenges, and the wild, unexpected moments that turned a side hustle into a multimillion-dollar brand. No highlight reel, just what actually happened behind the scenes. She also answers the questions we hear all the time: How do you know if your idea is worth backing? How do you grow an audience? And what would she do differently if she were starting today? Hit play for the business advice, behind-the-scenes tea, and lessons Victoria learned the hard way — so maybe you don’t have to. Watch Victoria's special Youtube video "Things I wish I knew before starting my (multimillion dollar) business!" FREEBIE ALERT: Try Constant Contact for free for 30 days and when you’re ready to take things to the next level you can use the code #SOTM30 to enjoy 30% OFF your membership for 6 months. Click here to try it! Acknowledgement of Country By Natarsha 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 probably heard the hype: tech jobs = massive salaries. But can you still get a slice of the pie if you don’t work in a technical role? This week’s Money Diarist is here to say… yes, you absolutely can. She’s in her early 30s, earning up to $650K "total comp" a year and building her dream home. But her path into tech was anything but traditional. No coding background, just a string of gutsy moves, lucky breaks, and saying yes before she felt “ready.” We talk about what big tech money actually looks like behind the scenes: the shares, the bonuses, the six-figure tax bills, the lifestyle creep... and the pressure that comes with it all. She’s open, honest, and full of wisdom about building wealth in a world that wasn’t necessarily built for her. If you’ve ever looked at a job description and thought, “I don’t tick all the boxes, so I won’t apply,” this one’s your sign to rethink what’s possible. 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 Natarsha 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.

Should you buy a house or invest the cash instead? That’s the exact question one of our community members is facing. After a separation and the sale of her home, she’s now sitting on a lump sum. But with property prices still out of reach, she’s torn: should she wait it out, buy in a cheaper area, or invest the money and build wealth another way? We also dive into a DM that seriously put our ethics to the test. Someone got undercharged at checkout, knew it, and walked away. Should she have gone back? Is it stealing… or just retail karma? Plus, we’re sharing some of the best broke tips and money wins including a genius hack to get 40% off pizza every time and a money-saving ways to use Google Image Search and Facebook Ads you’ve probably never thought of. Tap play for the laughs, the loopholes, and the life advice you didn’t know you needed.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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.

Your portfolio’s down, and the news is throwing around words like “correction” and “crash.” So... should you be worried? In this episode, Victoria breaks down what’s actually happening in the share market. What’s behind the dip, how global headlines (looking at you, Trump and your tariffs) rattle investor confidence, and why it messes with your decision-making. We're covering:📉 What’s actually driving the current market dip and why it’s not a sign to panic📉 Why your brain reacts so strongly to red numbers (and how to stop it messing with your decisions)📉 What history tells us about dips and what will likely happen next📉 What long-term investors (including Victoria) stay steady when the market gets dramatic Press play to feel less panicked, more informed, and genuinely better equipped to ride this one out.Listen to our last ep on the share market, Everyone’s Panicking About the Market... Here’s Why I’m Not (and You Shouldn't Either).Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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, Victoria sits down with a diarist whose story starts like a dream: swept off her feet, love-bombed, and suddenly living a life of superyachts, luxury cars, and first-class everything. But beneath the shine was something far more complex... and much harder to escape. In this deeply moving episode, she shares her experience with financial abuse, coercive control, and the moment she realised she had to leave, baby in arms, without a cent to her name. Her bravery, honesty, and financial comeback are nothing short of extraordinary, and this conversation is one every woman should hear. CONTENT WARNING: This episode contains discussions of domestic and financial abuse. If that’s triggering topic or not right for you, we encourage you to skip this one and take care of yourself. If you or someone you know needs support, please call 1800RESPECT/1800 737 732.FREEBIE: Make Mother’s Day extra meaningful in just a few minutes. Head to moonpig.com.au and use MUMSOTM at checkout for a free card. Because every mum deserves a Moonpig card. T&Cs apply.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 Natarsha 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 move away from your family, friends, and entire support system just to own a home outright? Well this week’s Friday Drinks is all about big trade-offs, bold moves, and knowing your worth (even when it feels uncomfortable to ask for it). This week, one listener is thinking of quitting her FIFO job and selling her home to move interstate and live mortgage-free... it’s a huge lifestyle shake-up, but is the financial freedom worth it? And we’re also diving into a workplace conundrum that’s way too familiar: what to do when your title, your responsibilities, and your pay are definitely not on the same page... and how to confidently negotiate the raise you know you deserve. Plus, of course, we’ve got all the money wins, juicy confessions, broke tips, and Friday fun you know and love. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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.

Are you still trying to get your head around what this budget means for you? Well Victoria went straight to Parliament House to sit down with Finance Minister & Minister for Women Katy Gallagher and ask the questions we actually care about... no fluff, no jargon, just real answers about what this budget means for you. They cover everything from HECS indexation changes and rent relief to energy bill support, women’s health funding, and that massive $27 billion deficit. And yes she straight-up asked if it’s all just pre-election hype.They unpack:💰What the Finance Minister actually does💰Can we get cost-of-living relief without wrecking inflation?💰That $27B deficit (and why it’s not just bad news)💰Big wins for women’s health: endo, menopause, bulk billing💰Rent support, housing plans, and the long game💰Why your groceries cost so much and what’s being doneHit play if you’re over the headlines and want to know what this budget actually means for your money. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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 diarist takes us inside a financial journey that will feel very familiar to anyone who’s ever used retail therapy to escape stress. From using Buy Now Pay Later for festival outfits and groceries to hiding debt from her partner (who works in finance, by the way), she found herself in a spiral of spending and shame and didn’t feel like she could tell anyone. That is, until one unexpected lunch conversation changed everything. What followed was a slow and steady journey out of debt, toward confidence, clarity, and a house deposit she once thought was impossible. She’s now paid off $5,000 in debt, saved over $15,000, and learned how to manage spending urges without giving up the things she loves. This episode is for anyone who’s ever used online shopping as a coping mechanism, avoided checking their balance, or felt like they’d already stuffed it. Tap play and remind yourself you’re not behind... you’re just getting started. 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 Natarsha 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 hearing the words “Federal Budget” makes your eyes glaze over… we’ve got you. In this bonus episode, Victoria breaks down what was actually announced in Australia's 2025 Federal Budget (straight from her hotel room in Canberra, right after leaving Parliament House). From tax cuts and HECS debt changes to childcare, housing, rent relief and energy bill support, this episode will help you understand what it actually means for your money. Whether you're a renter, a student, a parent, or just trying to keep up with the cost of living, this ep is for you. ⚠️ Note: This episode was recorded before the election was called. Since recording, the federal election has officially been set for May 3, so please, friends, make sure you're enrolled to vote and your details are up to date at aec.gov.au. 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 Natarsha 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.

Scared to start investing because you don’t want to mess it up? This one’s for you. This week, we’re tackling one of the most common DMs we get: How do I actually start investing without messing it up? We talk through the fear, the noise, and the pressure to “pick the right thing” and share how to take your first step with confidence. We also unpack a second dilemma that had us furious: a listener whose boss still owes her $5,000 in super and has completely ghosted her. We walk through what to do, how to report it, and why your future self can’t afford to let this one go. Plus we've got all the rouge content you know and love including an Aldi plumbing win (yes, really), an epic $10 rainbow cake, and some of the best money wins we’ve heard all week.Want to feel more confident with your investing? Our Investing Masterclass is now open for enrollments... come join us here! Starts April 1. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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.

Think you're too behind to fix your finances? Victoria Devine was once right where you are. Before she was a best-selling author, business owner and the voice behind Australia’s number one money podcast, Victoria was financially stuck, overwhelmed, and winging it hard. In this episode, Bec puts Victoria in the hot seat to unpack her actual money journey… from the early paydays and panic-spending, to the moment she realised something had to change, and what happened next. Victoria shares:💸 The $40k debt moment that made her go, “OK, something has to change”💸 How ADHD shaped her money habits and the systems that actually helped💸 The mindset shift that completely changed her relationship with money💸 What to do when you’re spiralling or just feel totally stuck💸The one thing she’s seen every financially successful person do If you’ve ever felt behind, like you’re “just not good with money,” or that you’ve already made too many mistakes, this one’s for you. Want to start building wealth? Our Investing Masterclass is now open for enrollments... come join us here! Starts April 1. Acknowledgement of Country By Natarsha 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 Money Diary starts with a bold move... buying a house with your partner less than a year into dating. And from there? Life happened. In big, unpredictable, deeply emotional ways.  She’s bought homes, sold homes (without an agent!), navigated love, loss, DIY renos, dodgy tenants, and some truly tough decisions—all while trying to stay on top of her finances. But it wasn’t easy, and it definitely wasn’t a straight path. If you’ve ever felt like life is throwing you curveballs while you’re just trying to make smart money moves... you’re going to feel seen in this one. 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 Natarsha 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.

There’s a lot of noise right now about using your superannuation to help buy your first home. And on the surface? It sounds pretty good. But in this episode, I break down show you exactly what happened when New Zealand tried this approach—and why it ended up hurting the very people it was meant to help. We’ll talk about rising prices, the impact on long-term wealth, and why this policy could affect everyone with super—not just first-time buyers. If you're thinking “but it’s my money, why not use it?”, this episode will make you think twice. Want to feel more confident with your investing? Our Investing Masterclass is now open for enrollments... come join us here! Starts April 1.  Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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.

Feeling like home ownership is totally out of reach? You’re not alone. With property prices skyrocketing, we’re looking at a surprising alternative—investing in commercial real estate. Could this be a smarter move than saving endlessly for a deposit? Or is it just another risk? We break down what you need to know before diving in. Then, we’re tackling an ethical investing dilemma—should you sell a stock if you don’t support the CEO? With Tesla and Elon Musk constantly making headlines, it raises a big question: do your investments need to align with your values, or should you focus purely on financial gain? And of course, it wouldn’t be a Friday episode without money wins that will have you cheering, broke tips to save you serious cash (including a bread-making hack that might change your grocery budget forever) and all the Friday fun you know and love.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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.

We’ve all seen the TikToks... vision boards, affirmations, “just think rich and you’ll be rich!” But does manifestation actually work, or is it just a glorified daydream? Some say it’s the secret to success, while others insist that financial freedom comes from strategy, not vibes. So what’s the truth? This week, we’re breaking down the science behind money mindset, manifestation, and what actually moves the needle on your finances. 🧠 Does manifestation really work or is it just luck?🧠 How your mindset influences your financial habits (without you realising it)🧠 The psychology behind money blocks and how to overcome them🧠 The proven strategies that help you attract and grow wealth Whether you’re a full-on manifestation girly or a straight-up skeptic, this episode will make you rethink how you approach money. Can a mindset shift actually change your bank balance? Let’s find out.Want to work on your strategy for building wealth? Our Investing Masterclass is now open for enrollments... come join us here! Starts April 1. Acknowledgement of Country By Natarsha 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 was already in debt as soon as she even turned 18—because no one ever taught her how money worked. Growing up, financial security felt impossible, and without a game plan, she kept spiraling deeper into debt. Until one day, she made a choice: her kids would grow up differently. Now? She’s debt-free, earning six figures, and making sure her kids learn about money the right way. From pocket money hacks to making saving fun, she’s breaking the cycle and setting them up for financial success—something she never had. 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 Natarsha 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 news is making it sound like the sky is falling, your portfolio might be looking a little red, and you’re wondering… should I be worried? But before you make any big moves, let’s talk about what’s actually happening—and why staying the course might be your best move yet. In this episode, Victoria breaks down:📉 What’s really going on with the market (and why it’s not the end of the world)📉How to tune out the noise and avoid panic-driven money decisions📉Why dips are a normal part of investing—and how smart investors see them as an opportunity📉What Victoria is doing with her own investments right now📉Market downturn or investing discount? How to reframe what’s happening If you’ve been feeling unsure about what this all means for your money, this episode will help you make sense of it—without the stress.Want to feel more confident with your investing? Our Investing Masterclass is now open for enrollments... come join us here! Starts April 1.  Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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, we’re diving into a big money dilemma: should we be more open about celebrating financial wins, or does it make things uncomfortable with friends? If you’ve ever downplayed a pay rise, felt weird sharing a money win, or struggled with how to react to someone else's financial success, we're diving right into it. Plus we've got some seriously good money wins & broke tips snd all the usual Friday fun. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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’ve ever felt unsure about whether you’re investing the right way, this episode is for you! We’re bringing back Glen James to tackle YOUR biggest investing questions—because even with all the info out there, investing can still feel confusing. We’re covering: When to change your investment strategy (and when to leave it alone) Should you invest with your partner? Or is keeping it separate better? What the Chemist Warehouse shake-up means for investors Tech ETFs—are they actually a smart move, or just another trend? Plus, Glen shares the one investing myth that drives him absolutely crazy—and why you need to stop believing it. Want to feel more confident with your investing? Our Investing Masterclass is now open for enrollments... come join us here! Starts April 1. Our last Q and A with Glen about investing is here. We covered things like CHESS sponsorship, investing in international markets and investing for kids. You can find Glen on instagram here and his campfire chat with Vince from Money Sherpa podcast episode is here. Acknowledgement of Country By Natarsha 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.

Growing up, money was always tight. This week’s Money Diarist watched her parents work multiple jobs just to stay afloat, and from an early age, she learned to fear spending, avoid risks, and believe there would never be enough. That scarcity mindset followed her into adulthood. Now? She owns her home, is investing like a queen, and is finally feeling financially secure—but the journey here wasn’t easy. If you’ve ever felt anxious about spending, hesitant to invest, or stuck in a cycle of financial fear, this episode will speak to you. Breaking free from a scarcity mindset isn’t easy, but as our Money Diarist shows it’s absolutely possible. 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 - 451289.  See omnystudio.com/listener for privacy information.

Happy International Women’s Day! Today, we’re celebrating by doing what we do best... helping you take charge of your financial future so you've got options queens! This week, we’re diving into the motherhood penalty... why so many women return from maternity leave to find their careers mysteriously “adjusted” (aka downgraded) and what you can do to protect yourself. We’re also unpacking super splitting... should you actually be doing it if you and your partner are planning to retire together? But it’s not all serious chats! We’ve got money wins to make you cheer, a broke tip to slash your restaurant bill in half, and a rogue IWD celebration from Bec that we’re still recovering from. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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’ve ever left the supermarket wondering how did I just spend $100 on basically nothing?! you’re not alone. Groceries are out of control, and meal planning can feel like a full-time job. But today, budget meal queen Chelsea Goodwin from $10 Meals is here to prove that you can feed your family delicious, filling meals for just $10. From sneaky supermarket traps to the one food waste habit costing you hundreds every year, Chelsea is spilling all her best hacks to stretch your dollar further, without resorting to sad, boring meals. If you're sick of checkout shock and want to make real savings without sacrificing good food, this episode is a must-listen!This episode covers:🛒Chelsea’s secret to spending just $150 a week on groceries🛒The BIGGEST supermarket mistakes costing you extra $$🛒Budget-friendly swaps that keep meals tasty AND cheap🛒The #1 food waste mistake draining your wallet🛒Takeout cravings? How to meal plan like a pro and actually stick to itFREEBIE: Chelsea’s free 3-meal budget plan – Grab it here! Follow Chelsea for more genius budget meals:Instagram: @dollardollarmeal | Facebook: 10 Dollar MealsGet Chelsea's book: $10 Meals with Chelsea here. Acknowledgement of Country By Natarsha 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.

For years, our Money Diarist thought she was doing okay financially—bills were paid, life was good, and saving for the future? That was a later problem. But at 45, she read her first finance book changed everything. Suddenly, she realised she had no real plan, no investments, and no idea how to make her money work for her. Fast forward to today, and she and her partner are completely debt-free, traveling full-time, and working just six months a year to fund their dream lifestyle. No mortgage, no office job, no regrets. In this episode, she shares exactly how she turned things around, why she walked away from the traditional homeownership path, and how she’s building financial security—on her terms. If you've ever thought "it's too late to start", this episode will change your mind. 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 Natarsha 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 felt like you can’t log off, can’t say no, and can’t ask for more money? Welcome to hustle culture, where doing more for the same pay has somehow become normal. This week, we’re unpacking a community dilemma about being overworked and underpaid, and asking: When is it worth pushing back, asking for a raise, or walking away? We’re also breaking down ATO activity statements... what they are, why you might have received one, and whether you actually owe money. Because let’s be honest, anything from the ATO is enough to make us nervous. And, of course, it wouldn’t be a Friday ep without money wins and broke tips. Including how one listener is turning recycling into cash, a gaming hack that made an easy $50, and the most awkward budget dating move we’ve heard in a while. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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’ve ever wondered "Should I pay off my mortgage or invest?" or "How do I even find a good financial advisor?" this episode is for you! We’re putting financial advisor Daisy Magor in the hot seat, tackling the biggest money dilemmas our community is facing right now (in a way that actually makes sense). 🔥 Should you pay for financial advice using your super?🔥 Why do different advisors give completely different recommendations?🔥 What’s the biggest money mistake even smart people make?🔥 Is debt recycling as good as TikTok makes it sound?🔥 Is leasing a car ever a good idea? And we've got even more of your questions. Plus, if you've ever thought about becoming a financial advisor yourself, Daisy shares exactly what it takes! Find Daisy and the Everest Wealth team here. Our last episode with Daisy, What to Expect When Meeting a Financial Advisor is here. P.S. We’ve got more Q&A episodes coming up, so if you want your money questions answered, make sure you’re following us on Instagram—that’s where we do our call-outs for listener questions!  Acknowledgement of Country By Natarsha 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 a hardcore saver marries a carefree spender? Five years ago, this Money Diarist and her husband were buying their first home, navigating the financial uncertainty of the pandemic, and dreaming about starting a family. Now? They have two kids, a mortgage, and a whole new outlook on money. At first, she thought her savings obsession was keeping them safe. But then came a mortgage, two kids, the high cost of IVF, and a $150K business opportunity—forcing her to rethink everything she thought she knew about money. 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 Natarsha 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 RBA just dropped the cash rate—so what does that mean for your mortgage? Whether you’re a homeowner, a future buyer, or just watching the market, interest rates are the hottest money topic right now. This week, we’re diving into what the rate cut could mean for you. And Victoria gives her guide on how to negotiate a better deal on your home loan at any time, because even a 1% decrease could mean thousands off your loan. And in the ultimate friendship-meets-finance dilemma, we’re asking: Should you go into business with your bestie? It sounds like a dream—built-in trust, shared excitement, and daily coffee catch-ups. But is it actually a smart move, or could it ruin both your friendship and your finances? PLUS, we’ve got some wild money wins and broke tips, and the sneaky hack that could get you free dinners just by leaving reviews! To sign up for the free Turning Side Hustles into Success Stories webinar click here (there is also more info in the link about how you can score Victoria's book The Business Bible for FREE!) Find our guide to negotiating a better here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Acknowledgement of Country By Natarsha 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.

When you hear family trust, do you picture Hollywood movies about billionaires dodging taxes, messy inheritance battles, and luxury yachts? Same. But here’s the truth—family trusts aren’t just for the ultra-rich. They can actually be a powerful financial tool for everyday people… if you know how to use them. This week, we’re breaking down:💰What a family trust actually is (in plain English, promise!)💰The tax perks & asset protection benefits💰Who should set one up… and who should not bother💰How to set one up when you decide one is for youSo if you’ve ever wondered whether a family trust could help you protect your wealth, lower your tax bill, or set up your family for the future, this episode is for you!  Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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.

Imagine moving to a new country with just $1,000 to your name—no job, no safety net, and no real plan… except for a leap of faith. That’s exactly what this week’s Money Diarist did when she packed up her life in Brazil and landed in Australia. To save money, she lived on a boat for two years, traded a car for an electric bike, and built a life from the ground up. Now, she’s paid off her car, launched a side hustle, and is on track to buy her first property. If you’ve ever thought about making a bold life change (or just want to be inspired by someone who did), this one’s for you! 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 Natarsha 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’re working harder than ever… but where’s the pay raise? If your job keeps piling on responsibilities without the extra dollars to match, what do you do? Do you ask for a raise, push back, or start looking elsewhere? We’re breaking it all down. We’re also tackling a big relationship question—what happens when you and your partner aren’t on the same financial page? Whether one of you is saving while the other is spending, or your money goals just don’t align, we’re unpacking how to handle it. Plus, we put the viral $750 Oura ring to the test against a $20 budget dupe to find out… is it really worth the hype? See the Oura ring dupe here.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Acknowledgement of Country By Natarsha 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 investing world in 2025 is full of change—but is that a bad thing? AI is shaking things up (again), Trump’s tariffs are making headlines, and interest rates are keeping us on our toes. But what does it actually mean for your money? If investing news feels like a mix of big headlines and even bigger question marks, we’ve got you. Markets move fast, but smart investing isn’t about chasing trends. So, let’s break it all down (no finance degree required) and help you invest with confidence, not confusion. If you want to dive into more investing episodes, check out our investing playlist here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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 walk away from a six-figure salary? For many of us, climbing the career ladder and reaching financial milestones feels like the ultimate goal. But when this week’s Money Diarist and her husband hit a household income of over $200K, they realised that success wasn’t just about the numbers. When they became parents, the long hours, the career grind, and the constant pressure to earn more no longer felt like the right fit. So, they made a huge decision—they stepped back from high-paying jobs to put their family first. Now, they’re adjusting to a lower income, a mortgage, and a completely new way of thinking about financial security. Was it the right move? Do they have any regrets? And what can we learn from their experience? Tune in to hear how they’re making it work. 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 Natarsha 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.

Victoria just lived out her own true crime moment and she's here to spill the tea. She found an ACTUAL card skimmer at an ATM and girl ripped it off with her bare hands! If you've ever wondered how scammers get their sneaky little hands on your money (and, more importantly, how to stop them), you need to hear this wild story. But that’s just the beginning. We’re also diving into a tough community question about navigating unemployment, from what to do when job hunting feels impossible to how to support a partner who’s struggling to find work. On top of that, we’ve got broke tips to cut your bills, money wins that score you free dinners, and the ultimate movie night setup, complete with a popcorn machine. This episode is packed with drama, laughs, and seriously iconic money-saving hacks, so get comfy and hit play!Check out Vs video about the ATM skimmer here. Ready for more laughs, lessons, and unhinged money chats? Check out out oh-so-bingeable Friday Drinks playlist. Listen here. Acknowledgement of Country By Natarsha 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 Valentine’s Day, we’re turning up the romance… with your finances! Whether you're single or in a relationship, a money date is the ultimate act of self-love. Pour yourself a glass of wine, light a candle, and let’s make your financial future irresistible. In this episode, we’re making finances feel sexy, fun, and totally stress-free. We’ll show you how to plan the perfect money date (yes, wine and fancy cheese are encouraged), how to overcome money anxiety, and fun ways to gamify your finances. Plus, we’ll help you dream big, stay accountable, and set financial goals that actually excite you. FREE Money Date Guide – We’ve created a super cute guide with 30+ prompts to help you plan the perfect money date, whether you’re single or have a partner. Get it here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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've ever wanted a front-row seat inside the mind of a young, self-made investor, this episode is for you. This week’s Money Diarist didn’t inherit wealth and she didn’t walk into a six-figure salary after uni. Instead, she hustled hard, built strong networks, and made investing moves that paid off—and yes, we get really pervy about it. We dive deep into her first-ever investment, the mistakes she made along the way, and how her strategy has completely evolved over time. If you're looking for real investing inspiration (with a big side of hustle), you won’t want to miss this one!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 Natarsha 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.

Got big travel plans but a not-so-big budget? This week, we’re sharing travel savings hacks to help you cut costs without sacrificing the fun. Then, we dive into one of the most awkward money dilemmas: what do you do when a friend owes you money but won’t pay up? Do you call them out? Drop hints? Cut them off completely? We break down the best ways to handle it, without losing the friendship (or your patience). Plus we find out how one listener scored $600 cleaning out that random electrical draw we all have.  Ready for more laughs, lessons, and unhinged money chats? Check out out oh-so-bingeable Friday Drinks playlist. Listen here. Acknowledgement of Country By Natarsha 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.

Feel like buying a home in 2025 seems impossible? We’ve got the plan to make it happen! This week, Victoria teams up with expert mortgage broker Jaclyn Walsh to arm you with the ultimate guide to turning your property dreams into reality—and saving thousands while you’re at it. From when to call a mortgage broker to insider hacks that could cut years off your loan and tens of thousands off the cost, this episode is bursting with tips from our industry expert. Wondering if your Uber Eats habit might hurt your chances? Or whether paying off HECs early is a good idea? Don’t worry, we’ve got answers. Whether you’re saving, planning, or just starting to dream, this is the episode to help you crush your property goals. If you want to enquire with Zella Money you can find them here.The National Debt helpline is a free resource you where can speak to financial councillors about your debt. Call 1800 007 007 or visit https://ndh.org.au/ Gambling Help offers free, confidential advice via phone 1800 858 858 or online https://www.gamblinghelponline.org.au/ FREEBIE ALERT: Join the She’s on the Money 30-Day Reset—your step-by-step guide to refreshing your finances, setting achievable goals, and starting the year strong! Sign up for free here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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 does it take to turn a paycheck-to-paycheck life into homeownership, wedding plans, and dreams of starting a family? This week’s Money Diary is a masterclass in leveling up your finances—and your life. Our diarist spills all about their journey from being a self-described hot mess, splurging on brunches and carrying a $25K car loan to ditching debt, buying a house, and building a future with their partner. You’ll hear about the hard lessons (like how car loans can play havoc with your borrowing power), the triumphs (goodbye, car loan!), and the genius tools they used—hello, color-coded budget spreadsheet! Whether you’re saving for a big goal, figuring out family finances, or just love a good glow-up story, this episode is packed with inspiration, laughs, and tips you’ll want to steal. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now FREEBIE ALERT: Join the She’s on the Money 30-Day Reset—your step-by-step guide to refreshing your finances, setting achievable goals, and starting the year strong! Sign up for free 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 Natarsha 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 a wedding invite turns into major family drama? This week, we’re spilling the tea on a juicy guest list dilemma that’s got everyone talking. Who’s in the right? Who’s way out of line? And how do you navigate sticky situations like this without losing your cool—or your budget? We’ve got opinions, and so does the She’s on the Money community. But that’s not all. We’re also tackling a financial dilemma that could save you hundreds of thousands: should you remortgage your home loan to get an offset account? We break down the numbers and help you figure out if it’s the right move for your situation. Plus, we’re sharing your creative money wins (a Tupperware miracle, anyone?), broke tips you’ll want to steal, and even how to score free seltzer in the most rogue way possible. It’s Friday Drinks at its finest—don’t miss it! Ready for more laughs, lessons, and unhinged money chats? Check out out oh-so-bingeable Friday Drinks playlist. Listen here. FREEBIE ALERT: Join the She’s on the Money 30-Day Reset—your step-by-step guide to refreshing your finances, setting achievable goals, and starting the year strong! Sign up for free here. Acknowledgement of Country By Natarsha 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 seen those TikToks saying you need seven income streams to be a millionaire? Yeah, we’re calling BS. This week, we’re tearing apart the hustle culture myth that’s been making the rounds on social media—and giving you a realistic, sustainable approach to building wealth without working 24/7. Victoria and Bec unpack where this viral idea comes from, why it’s not what it seems, and what actually works when it comes to creating a financial glow-up. If you’re ready to ditch the pressure and make real progress, this episode is your game plan for wealth-building without the burnout. Listen to our ep Your Ultimate Guide to Asking for a Payrise.Victoria's book The Business Bible is available here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now FREEBIE ALERT: Join the She’s on the Money 30-Day Reset—your step-by-step guide to refreshing your finances, setting achievable goals, and starting the year strong! Sign up for free here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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.

Imagine selling everything you own, starting a business, and hitting the road with your family—all while raising two young kids. Sounds impossible? Not for this week’s Money Diarist. After a life-changing experience in the NICU, she and her husband realised life is too short to wait for the “perfect” time to live their dream. So, they made it happen: selling their belongings, buying a caravan, and building a business that gives them the freedom to work from anywhere. In this heartwarming and inspiring episode, we dive into how they turned skills into income, how they budget and save to keep their travel dreams alive, and the big goals they’re working toward—including being mortgage-free by 50. You’ll walk away feeling empowered to rethink what’s possible for your own life—because they’re proof you don’t need millions in the bank to live the life you want. Victoria's book The Business Bible is available here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now FREEBIE ALERT: Join the She’s on the Money 30-Day Reset—your step-by-step guide to refreshing your finances, setting achievable goals, and starting the year strong! Sign up for free here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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 would you do if your parents surprised you with a car… and then dropped a bombshell that there were financial strings attached? This week, we unpack a juicy money dilemma that will leave you stunned, and we’re not holding back. Plus, we’re diving into another hot topic: how to split housing costs with your partner when one of you owns the home. It’s tricky, but we’ve got the tips to keep things fair and drama-free. Of course, Fridays wouldn’t be complete without your money wins! From designer scores for pocket change to genius broke tips (free lattes, anyone?), this episode is bursting with the fun, inspiration, and real-talk advice you love. Ready for more laughs, lessons, and unhinged money chats? Check out out oh-so-bingeable Friday Drinks playlist. Listen here. FREEBIE ALERT: Join the She’s on the Money 30-Day Reset—your step-by-step guide to refreshing your finances, setting achievable goals, and starting the year strong! Sign up for free here. Acknowledgement of Country By Natarsha 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.

Got a big goal for 2025? Whether it’s smashing debt, building an emergency fund, or finally booking that dream holiday, a side hustle could give you the extra cash you need. But how do you find the perfect one? In this week’s episode, we’re diving into exactly that—how to turn your skills, passions, and free time into cold, hard cash. Victoria and Bec break down everything you need to know, from assessing your goals and availability to exploring creative ways to make extra money (spoiler: it’s not all Uber Eats and filling out surveys). We also share real-life examples of side hustles that work and give you a step-by-step plan to find one that fits your life. If you’re ready to make 2025 your most financially empowering year yet, this episode is your ultimate guide. If you’re ready to make 2025 your year of financial wins, tune in for the ultimate side hustle blueprint—and start building the life you’ve been dreaming of. FREEBIE ALERT: Join the She’s on the Money 30-Day Reset—your step-by-step guide to refreshing your finances, setting achievable goals, and starting the year strong! Sign up for free here. Acknowledgement of Country By Natarsha 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.

Ever had life give you everything you thought you wanted, only to wonder if it’s what you actually needed? This week’s Money Diary is a juicy, emotional rollercoaster, and trust us—you won’t want to miss it. Our Money Diarist shares her incredible journey of building her dream life, only to find it wasn’t what she truly wanted. After years of saving, buying a dream home, and getting engaged, she made the bold decision to burn it all down, walk away, and start over. We dive deep into her story, from navigating a breakup after eight years, to figuring out what she really wants in life, and taking control of her finances. How do you handle such a monumental life reset? Can you still achieve your money goals after starting over? This conversation is raw, inspiring, and packed with lessons for anyone rethinking their path. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now FREEBIE ALERT: Join the She’s on the Money 30-Day Reset—your step-by-step guide to refreshing your finances, setting achievable goals, and starting the year strong! Sign up for free here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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.

Think achieving financial freedom has to mean endless spreadsheets and giving up your favourite treats? Think again! In this episode of She’s on the Money, we’re embracing our inner lazy girl and showing you how to work smarter—not harder—with your money. Join V as she breaks down the easiest, tech-savvy strategies to simplify your financial life in 2025. From our favourite apps to automations, this is your ultimate guide to making your money work for you while you binge Netflix guilt-free. Whether you’re juggling subscriptions, battling surprise bills, or just tired of doing it all manually, this episode will inspire you to level up your finances with minimal effort.Get V's negotiation scripts for a better deal here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Natarsha 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 episode is the ultimate financial pick-me-up to power you into the weekend like the boss you are. We’re diving into your incredible money wins—think ChatGPT hacks that make meal planning a breeze and slashing power bills to a jaw-dropping $87. But we’re not stopping there. We’re tackling two big, relatable topics that you need to hear about. Ever thought about a removable home? (Spoiler: It’s trickier than you’d think, but we’ve got the lowdown.) And if the mental load has ever made you feel like a burden in your relationship, we’re breaking it down with practical tips and a whole lot of love. Whether you’re here for the laughs, life hacks, or that extra push to smash your goals, this episode will leave you feeling inspired and unstoppable. Don’t miss it! FREEBIE ALERT: Join the She’s on the Money 30-Day Reset—your step-by-step guide to refreshing your finances, setting achievable goals, and starting the year strong! Sign up for free here. Acknowledgement of Country By Natarsha 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.

Ever told yourself, “This is the year I start investing,” only to hit pause because, let’s be real, it all seemed a bit too much? Been there, done that. But not this year, my friend. This time, we’re ditching the excuses and diving headfirst into making those investing dreams a reality. Whether you’ve got $10 or $10,000, this episode is your official pep talk to stop procrastinating and start building your future. Victoria Devine is here to break it all down—no jargon, no judgment, just solid advice that makes investing feel actually doable. We’re talking why saving alone isn’t enough to build wealth, how to tackle those “what if I stuff this up” fears, and beginner-friendly investing options to consider. If you’ve been waiting for the perfect moment to start, this is it. Tune in, and let’s smash those financial goals together.Loved this episode? Don’t stop here—join the waitlist for The Investing Masterclass and get the tools to feel confident and in control of your financial future. Join here. Acknowledgement of Country By Natarsha 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 does it take to rebuild your life not once, not twice, but three times? In this unforgettable Money Diary, we meet an inspiring single mom who turned heartbreak and setbacks into a financial success story. From devastating breakups to losing $38,000 in a scam, she shares how she clawed her way back. Now, she’s achieved her dream of homeownership through the Australian government's Family Home Guarantee and is on a mission to build a buyer’s agency to help others find stability. With incredible grit and relentless determination, she proves that no matter how many times you’re knocked down, you can rise again. If you’ve ever felt stuck, hopeless, or like you’ll never catch a break, this episode will light a fire under you to keep going. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Acknowledgement of Country By Natarsha 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.

Is HECs debt the ultimate financial ball and chain, or is it not as bad as it seems? We’re unpacking why some people never pay it off (and why that might be okay), plus tackling a wild money dilemma involving a broken TV and a very awkward friendship moment. This episode has the drama and the money smarts, plus all the usual Friday Drinks fun—don’t miss it! Want to kick off 2025 with your best financial foot forward? Victoria’s Financial Foundations Workshop is packed with all the practical tips and tools you need to take control of your money—without the stress. Head here to save your spot! Acknowledgement of Country By Natarsha 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.

Tired of making resolutions that don’t even survive until February? You’re not alone. In this episode, Victoria unpacks why so many goals lose steam and shares psychology-backed strategies to help you avoid the same fate. Whether it’s saving money, building better habits, or tackling your personal goals, this conversation will get you inspired to approach 2025 differently. Ready to be part of the 8% who stick to it? Hit play now! Got big dreams for 2025? Victoria’s Your Best Year Yet course is here to guide you. Packed with actionable steps and practical strategies, it’s your go-to for turning those ambitious plans into reality. Don’t let another year slip by—join us and make 2025 the year of real progress. All the deets here. Acknowledgement of Country By Natarsha 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 - 321649See omnystudio.com/listener for privacy information.

The best thing about Money Diaries? They prove that no one’s money story is perfect, but there’s always something to learn. Today, V takes us through the most teachable moments of 2024’s Money Diaries, unpacking the lessons that remind us we don’t have to have it all figured out. From breaking the debt cycle to transforming a side hustle into a booming business, this episode is packed with inspiration, insights, and the kind of financial wisdom you’ll want to take notes on. And speaking of learnings, we've got some exciting things happening in Jan you're going to want to be part of. We’re kicking off Your Best Year Yet and The Investing Masterclass, designed to help you start the year feeling empowered and in control of your money. And, because you asked, we’re bringing back the Financial Foundations Workshop! If you’re ready to build good habits or take your finances to the next level, these are a great way to kick off the new year feeling confident. (Click the links above for deets) Acknowledgement of Country By Natarsha 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.

We’re back with more jaw-dropping revelations from Emily Lynn Paulson, the million-dollar MLM insider who climbed to the top—only to reveal the truth hiding behind the glittering promises. In Part 2, Emily takes us deeper into the manipulative tactics MLMs use to hook you, from love bombing and trauma bonding to financial exploitation and cult-like control. Victoria Devine doesn’t hold back as they unpack the shocking psychology behind these schemes and how they blur the lines between business, friendships, and even faith. If you thought Part 1 was juicy, just wait till you hear this one! Learn more about Emily Lynn Paulson and her book Hey, Hun: Sales, Sisterhood, Supremacy, and the Other Lies Behind Multilevel Marketing here. Acknowledgement of Country By Natarsha 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.

We saved the best for the last Friday Drinks ep of 2024! We’re sharing the hilarious bloopers that you didn't hear this year that had us crying (and cringing). Plus we're tackling two of your biggest money dilemmas: investing for kids and deciding if it’s time to move on after a missed promotion. It’s all the laughs, lessons, and relatable advice you need to end 2024 with a bang. And we've got some exciting things happening in Jan you're going to want to be part of. We’re kicking off Your Best Year Yet and The Investing Masterclass, designed to help you start the year feeling empowered and in control of your money. And, because you asked, we’re bringing back the Financial Foundations Workshop! If you’re ready to build good habits or take your finances to the next level, these are a great way to kick off the new year feeling confident. (Click the links above for deets) Acknowledgement of Country By Natarsha 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 year wasn’t just a rollercoaster—it was the whole theme park. Whether you crushed your goals or just barely held it together, you’re not alone. In this episode, Victoria Devine gets real about the wins, the losses, and everything in between, sharing how to make 2025 your year to thrive. We’re breaking down simple, actionable ways to reflect on your year without the guilt, celebrate the progress you’ve made (even if it feels small), and set yourself up to absolutely nail your goals next year. So, if 2024 felt like a blur, this is the reset you didn’t know you needed. Hit play now! As our Chrissie gift to you, we’re helping you start 2025 on the right foot! Sign up for our FREE 30-Day Reset to refresh your finances with easy tips, free goodies, and step-by-step guidance sent straight to your inbox. Click here to sign up.  Acknowledgement of Country By Natarsha 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 would you do if you lost your job, went through a breakup, and moved back in with your parents—all at once? This week’s Money Diarist didn’t just survive—she thrived. With some serious grit and a creative spark, she built a side hustle that didn’t just pay the bills—it allowed her to wipe out her HECS debt in one swoop. Want to know how she turned a tough situation into a major financial win? Press play to find out! Acknowledgement of Country By Natarsha 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.

We got the scoop from a million-dollar MLM insider—and it’s juicier than you think. In this special episode, Victoria chats with Emily Lynn Paulson, a real-life MLM millionaire who had it all—until she decided to expose the truth. From the shiny promises of freedom and community to the shocking reality at the top, Emily reveals how MLMs prey on women and keep them hooked. She reached the peak of the pyramid, and now she’s here to tear it all down. Don’t miss the insider secrets the MLM industry doesn’t want you to hear! Learn more about Emily Lynn Paulson and her book Hey, Hun: Sales, Sisterhood, Supremacy, and the Other Lies Behind Multilevel Marketing here. Acknowledgement of Country By Natarsha 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 survived the year, and secretly dreaming of a little extra something in your paycheck. But then—no Christmas bonus in sight. Is it a sign you’re undervalued at work, or just the way things are these days? This week, the V, Jess and Bec dive into the great Christmas bonus debate: are they a must-have to feel appreciated, or just a festive myth. We’re also dishing out some festive cheer with budget-friendly hacks to save on decorations and gifts—because who knew tinsel could cost so much?! Plus, we’ve got your back for those awkward holiday chats, like when your mates side-eye your investment choices. Hit play for some laughs, life lessons, and a whole lot of holiday spirit as we help you stay merry and money-smart this season.  Acknowledgement of Country By Natarsha 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.

Managing people can feel like a maze—whether you’re running a business, managing a team, or just trying to survive office politics. In this Business Bible episode, we’re cutting through the noise and giving you practical, no-nonsense tips for managing people like a pro. From building a team culture to mastering feedback, and creating clear HR policies (that actually work), this episode is packed with advice to help you navigate the workplace with confidence. And don’t worry—it’s not just for business owners; these tips are universal, so whether you’re hiring your first employee or leveling up in your career, we’ve got you covered. Acknowledgement of Country By Natarsha 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.

Twins in a pandemic? Talk about a curveball. This week’s Money Diarist faced double the costs with none of the extra support, but she found a way to turn her finances around. Now, she’s sharing how she paid off debt, started investing, and built a budget that works—even with two four-year-olds running around! Curious how she did it? Hit play to find out. Acknowledgement of Country By Natarsha 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 do a $6,500 water machine, misleading promises of financial freedom, and a whole lot of pseudoscience have in common? This week, Victoria dives deep into one of the most predatory MLM schemes yet—unpacking how high-pressure sales tactics and debt traps leave people drowning, not thriving. From bogus health claims to a compensation plan so confusing it’s practically a trap, this episode pulls back the curtain on how these schemes exploit vulnerability and sell dreams that often turn into financial nightmares. Whether you’ve been curious about the “magic” of Kangen water or just love a good MLM takedown, this episode will fire you up with facts, expose the truth, and empower you to spot the red flags before they reel you in. Don’t miss this deep dive into the dark side of "too good to be true." Tune in now! Acknowledgement of Country By Natarsha 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 episode has everything: baking tips, big financial decisions, and a whole lot of laughs. From Victoria’s breakdown of a sky-high interest car loan to a partner splurging on a second ute (and now eyeing a boat) to the the all-too-relatable Christmas gift stress and offer ideas for navigating the holiday season without overspending or losing your sanity. Whether you’re here for practical advice, broke tips, or just a festive laugh, this episode has something for everyone. Hit play to join the chaos and walk away a little wiser! Anne That English Cleaner Lady! Tik Tok Pecan pie cookie recipe.  Acknowledgement of Country By Natarsha 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.

It’s the most wonderful time of the year… to make some extra cash! This week, we’re unwrapping creative ways to boost your bank balance while embracing the festive cheer. From turning your clutter into cash to capitalising on last-minute holiday errands, we’re sharing practical, fun, and totally doable ways to make the most of the silly season. Whether you’re funding gifts or prepping for the New Year, these tips will help you hustle with holiday spirit and a little extra jingle in your pocket. Hit play to sleigh your budget! Acknowledgement of Country By Natarsha 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 if your side hustle could cover your bills, tackle your debt, and send you off on your dream holiday? This week’s Money Diarist shows us exactly how they made it happen. With financial stress, and a serious case of wanderlust, they looked at what they had and unlocked a clever side hustle that changed everything. This episode is packed with juicy insights, practical tips, and some seriously relatable moments. Whether you’re looking to crush your debt, save smarter, or just dream a little bigger, this one’s for you. Acknowledgement of Country By Natarsha 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.

Do you ever feel like Christmas has become all about spending big and stressing out? This week, we’re rethinking what makes the festive season truly magical. From heartfelt traditions to finding joy in the little things, we’re sharing how to create a meaningful holiday without blowing the budget. Victoria opens up about her first Christmas as a new mum and the moments that matter most, reminding us that it’s not about what you buy—it’s about what you cherish. Tune in for inspiration, feel-good vibes, and a reminder that the best holiday memories come free of charge. Acknowledgement of Country By Natarsha 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.

Ever thought, 'Is my landlord allowed to do that?'? Well this Friday, we’re diving into that question every renter has asked at some point. From bond dramas to boundary-pushing behaviour, we’re unpacking your rights as a tenant and how to protect yourself when things get tricky. But that’s not all—this episode is packed with money dilemmas, like navigating financial curveballs right after buying your first home and figuring out what to do when your partner’s business starts impacting your own finances. Plus, we’re celebrating listener wins (a $14 cast iron cookware steal!) and sharing broke tips to make your festive season merry without busting your budget. Tune in for real talk, smart advice, and a big dose of Friday fun! The book we’ve all been waiting for—The Business Bible—is finally here! This is Victoria's ultimate guide to levelling up your hustle, career, or big biz dreams. Grab your copy here. Join our She's on the Money community...Instagram and Facebook Group Acknowledgement of Country By Natarsha 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 year, skip the socks and candles and give a present that actually compounds! We’re upgrading your holiday gifting game with thoughtful presents that don’t just sit on a shelf—they grow. Imagine giving your loved ones a head start on their financial future with beginner-friendly gifts like shares, ETFs, or even investment bonds (trust us, they’re cooler than they sound). This episode is your ultimate guide to investing-inspired gifts with serious glow-up potential. Whether you’re working with $20 or $200, we’ll show you how to make gifting investments fun, personal, and packed with long-term value. Say goodbye to boring gifts and hello to building wealth—one present at a time. If you want to give yourself gift this season, join the Finance Foundations Workshop on December 6th for practical, no-BS advice on budgeting, saving, tackling debt, and investing basics—plus a live Q&A with Victoria! It’s online, just an hour, and includes a replay. Your future self will thank you! More deets here.  Acknowledgement of Country By Natarsha 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.

Can being fired actually be the best thing that ever happens to you? This week’s Money Diarist was blindsided by her boss and the universe when she got fired from her $60k job—just months after they gave her a bonus. She was left feeling overwhelmed, lost, and battling imposter syndrome. Fast forward: she's now thriving with a six-figure income, a stellar investment portfolio, and a no-property-required path to financial freedom. When life throws curveballs; this is how you hit them out of the park. Tune in to hear this inspirational story! Acknowledgement of Country By Natarsha 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 episode has been one of the most requested since we began unpacking the world of multi-level marketing. Whether you’re ready to leave yourself or trying to help someone you care about, we’ve got you covered. We’re breaking down why MLMs are so hard to walk away from, how to protect your finances as you exit, and how to handle those tricky conversations with friends or loved ones still involved. If you’ve ever felt stuck, overwhelmed, or unsure of what to do next, this episode is your guide to reclaiming your money, your freedom, and your relationships—starting today.  Acknowledgement of Country By Natarsha 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.

Ever had money opinions that seriously clash with your parents? This episode is here to gently (okay, not-so-gently) challenge those outdated views and help you take control. It’s time to reframe the super conversation—not just with your parents but with your partner too. Because fair’s fair, right? If raising kids is a team effort, shouldn’t your retirement be too? We’re also breaking down the sneaky world of credit card interest—how it works, why your statement might not match what you owe, and how to stay ahead of it. And don’t worry, we’ve got all your Friday Drinks favourites too: money wins, broke tips, and a big ol’ serve of laughs. So grab a cocktail (or mocktail), settle in, and hit play! This Black Friday, invest in you! Our course bundles are on sale—your chance to level up your finances, build wealth, and hit those goals. Click here for all the deets... The book we’ve all been waiting for—The Business Bible—is finally here! This is Victoria's ultimate guide to levelling up your hustle, career, or big biz dreams. Grab your copy here. Join our She's on the Money community...Instagram and Facebook Group Acknowledgement of Country By Natarsha 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.

No business degree? No problem. Brittany Saunders went from YouTube star to fashion powerhouse by figuring it out as she went—and she’s here to tell us how. In our first-ever Business Diary, Brittney gets real about the highs and lows of building a business from scratch—think: launching from a garage, learning everything from Google, and tackling the unexpected challenges of managing a growing team. Whether you’re dreaming of starting your own thing or just love an inspiring story of grit and hustle, Brittany’s candid insights and lessons learned will leave you feeling empowered and ready to take on your own goals. This one’s packed with advice, laughs, and a big dose of honesty. Hit play and get inspired! The book we’ve all been waiting for—The Business Bible—is finally here! This is Victoria's ultimate guide to levelling up your hustle, career, or big biz dreams. Grab your copy here. Follow Brittney on Instagram and find FAYT here. Acknowledgement of Country By Natarsha 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.

Can you go from financial chaos to building the life of your dreams? This week’s Money Diarist says YES. After navigating redundancy, a work injury, and realising they spent $10k on coffee, they built their dream home, crushed debt, and are planning for early retirement. This episode is packed with resilience, real talk, and practical money tips to help you do the same. Hit play to find out how they did it. This Black Friday, invest in you! Our course bundles are on sale—your chance to level up your finances, build wealth, and hit those goals. Click here for all the deets... Acknowledgement of Country By Natarsha 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 seen those bold claims all over social media? Promises to make millions working just a few hours a day from your phone, all thanks to ‘affiliate marketing’? Since we started calling out MLMs, our DMs have been popping off with another big question: ‘Is affiliate marketing a scam too?’ In this episode, we’re breaking it all down—what affiliate marketing actually is, how it works when it’s legit, and the red flags you need to spot so you don’t fall into a trap. Tune in to find out how to tell the difference between real side hustles and the flashy schemes trying to reel you in. Acknowledgement of Country By Natarsha 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.

Let’s talk bridal parties and the money dramas that no one warns you about! This week, we’re tackling a juicy listener dilemma: what happens to your money when you drop out as a bridesmaid? Is it fair for them to keep the cash, or is that just bad friendship vibes? We’ve got opinions (so many opinions). But that’s not all—we’re diving into another sticky situation: how honest do you really need to be with your bank? Plus all the usual Friday Drinks shenanigans. It’s fun, it’s spicy, and it’s packed with tips you need to hear! This Black Friday, invest in you! Our course bundles are on sale—your chance to level up your finances, build wealth, and hit those goals. Click here for all the deets... Acknowledgement of Country By Natarsha 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.

With the cost of living climbing higher than Santa’s sleigh, Christmas might feel more stressful than merry this year—but don’t worry, we’ve got you! In this episode, Bec and Victoria are stuffing your stocking with community-tested Christmas hacks to help you sleigh your holiday spending. From saving on gifts and food to clever DIY ideas, this episode is packed with practical tips to keep your festivities joyful and budget-friendly. So grab some eggnog, switch on those fairy lights, and let’s deck the halls without draining your wallet! Oh and we have a Black Friday sale going on that's all about investing in you! Our course bundles are your chance to level up your finances, build wealth, and hit those goals. Click here for all the deets... Acknowledgement of Country By Natarsha 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 Diarist has a surprising twist: her biggest financial hurdle isn’t overspending or splurging... it’s her other job! By day, she’s a full-time public servant, but by night, she’s a comedian chasing her dream—even when it costs her more than it earns. From the challenges of balancing passion and practicality to the financial highs and lows of creative work, this story is equal parts relatable and inspiring. Tune in for a behind-the-scenes look at what it really takes to follow your heart (and still pay the bills). Acknowledgement of Country By Natarsha 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.

Donald Trump’s imminent return to the Oval Office has already set off waves across global markets—but what does it mean for us here in Australia? In today’s episode, Victoria takes a deep dive into Trump’s policies and the surprising ways they could impact our economy, our rights, and our wallets. Join us as we unpack what’s happening across the Pacific and what it means for your wallet. Acknowledgement of Country By Natarsha 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.

Today, we’re getting real about one of the biggest money questions: What should I actually be saving for? With huge goals like buying a home, retiring, or traveling, it’s easy to feel overwhelmed or just plain stuck. We’re here to help you zero in on goals that feel exciting and truly worth it. But that’s not all—we’re also breaking down a game plan to tackle debt smarter by deciding which debt to pay off first. We’re breaking down how to prioritise your payments for maximum impact. And since it’s Friday, you know what that means: community shout-outs, juicy confessions, some clever broke tips, and all the fun ways our She’s on the Money crew is winning at finances this week. Get ready for insights, laughs, and some serious money motivation! This Black Friday, invest in you! Our course bundles are on sale—your chance to level up your finances, build wealth, and hit those goals. Click here for all the deets... Acknowledgement of Country By Natarsha 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.

Ever wondered if IPO shares are your ticket to fast-track wealth? Today, we’re cutting through the hype to get to the truth about Initial Public Offerings, from how they work to whether buying shares early really pays off. Victoria’s got practical tips on what to look for before you invest, and Bec’s asking all the questions you’ve been dying to know. Get ready to make smart, confident moves with our guide to buying IPO shares—without falling for the hype Acknowledgement of Country By Natarsha 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.

Who knew that selling Cadbury chocolates could be the first step toward building a property empire? Today we meet a Money Diarist who started her hustle by selling chocolate bars to fund school band trips and eventually went on to run her own business. After being told she’d never qualify for a property loan, she proved everyone wrong by securing not one, but two properties in just seven months! With a story that’s equal parts sweet tooth and savvy saving, she’ll take us from her $10 drum lesson days to running a fashion business—and now setting her sights on a ten-property portfolio. This one’s a goodie! Acknowledgement of Country By Natarsha 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.

HECS relief or HECS headache? Today, Victoria dives into the details behind the government’s new HECS proposal, including a 20% debt discount and changes to the income threshold for repayments. Sound like a win? Maybe. But as always, the devil’s in the details. Tune in for the full breakdown on what these changes could mean for you now—and for years to come! Acknowledgement of Country By Natarsha 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.

Ever had a partner bring up a money idea that makes you nervous? We’re talking a side hustle that sound more “uh-oh” than “income,” as one listener shares her dilemma. And have we got thoughts! Plus some hot takes on managing super during work breaks. Grab a drink and come hang with us for all the usual laughs and advice! We refer to Gambler's Help in this ep as great places to start if you or someone you love need help or some advice. You can also call them 1800 858 858, it's free, confidential & 24/7.  Acknowledgement of Country By Natarsha 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.

Welcome to the ultimate money game! In today’s Ask V Anything episode, we’re flipping the podcast into a full-blown game show. Victoria is in the hot seat, answering your wildest, trickiest money questions—from real estate decisions to to prenups to business hacks and everything in between. Think you can guess her answers? Time to find out! Here is the the MLM episode we spoke about on Spotify and Apple. Acknowledgement of Country By Natarsha 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.

After years of navigating life in rural communities on a single income, our family of six was on the path to financial security. But when our youngest daughter faced not one, but two battles with cancer at just three years old, our plans took a drastic turn. Now, with resilience as our foundation, we’re thriving in the city, teaching our children the value of investing, goal-setting, and the power of pivoting. Acknowledgement of Country By Natarsha 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.

Ever been hit with a ‘Hey, hun! Wanna be your own boss?’ message? Well this week, I'm pulling back the curtain on MLMs (Multi Level Marketing) and exposing how they exploit ambition, financial insecurity, and social media influence. From luxury cars that aren't really free to the endless cycle of recruiting, MLMs thrive on confusion and flashy promises—but leave most people at a financial loss. Ever since I started spilling the MLM tea on Instagram, my DMs have exploded. Clearly, this is a conversation you don’t want to miss! Acknowledgement of Country By Natarsha 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.

Ever found out a coworker’s doing the same job for more pay? Infuriating right? Today, we’re taking a deep dive into this dilemma. Join us as we dissect jaw-dropping negotiation stories, discuss how to get paid what you’re worth, and tackle the awkward money moments in relationships, like whether your partner should really be running to the Bank of Mum and Dad. Plus, of course, all the regular Friday fun! Acknowledgement of Country By Natarsha 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.

Ready to take your marketing game to the next level? In part two of our Marketing 101 series, we’re diving into paid and earned media strategies to help you reach new audiences and build lasting brand buzz. From using ads strategically to making the most of organic PR, this episode covers everything you need to create a balanced, omni-channel strategy that doesn’t break the bank. Tune in for practical tips, insider tricks, and real-world examples that’ll make your marketing efforts work harder for you! Pre-order Victoria's book, The Business Bible, here. Acknowledgement of Country By Natarsha 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 a single mother by choice is a bold decision, and today’s money diarist shows us what it really takes to make it work. She’s diving into the realities of funding IVF, managing childcare costs, and building financial security—all on her own terms... and one income. This episode is raw, real, and full of insights for anyone wondering if they can do the same. For a cheeky discount on our Money Masterclass head over here and pop in the code PODCAST. Acknowledgement of Country By Natarsha 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 Halloween, beware… retailers are casting bewitching spells on your wallet! Ready to shield your bank account from the chilling charms of ‘limited-time offers’ and the sinister ‘Buy-One-Get-One’ spell? Victoria is here to reveal the sneaky sales tactics lurking behind every discount from Black Friday to Boxing Day. Victoria’s got the tricks to help you dodge their traps and only take home the real treats this Halloween. Acknowledgement of Country By Natarsha 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.

$50K tax-free but your partner says no — what would YOU do? In this episode, we unpack a major dilemma: would you chase financial security or stick with relationship stability? Plus, when a $10K settlement is on the table, is it ever enough, or should you always negotiate for more? We’re diving into the risks, rewards, and real-life stories from our incredible community. Tune in for some juicy discussions, money wins, and a few surprises along the way! Acknowledgement of Country By Natarsha 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 heard the buzz about Self-Managed Super Funds (SMSFs) and maybe thought, “Do I need one?” But here’s the twist — you probably don’t. In this episode, we’re cutting through the confusion and breaking down why an SMSF might sound like the ultimate power move, but often ends up being way more work (and cost!) than it’s worth. If you’re wondering how to grow your super and take control of your future without the admin headaches and DIY stress, we’ve got you covered. Tune in to discover smarter, easier ways to manage your super like a pro — no SMSF required. Acknowledgement of Country By Natarsha 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 fall for someone whose finances are in shambles? Our Money Diarist thought she’d found her perfect partner, but when the time came to get serious about finances, she uncovered a complete mess — years of unfiled taxes, no savings, and even an unknown case of financial abuse against him. But rather than give up, she decided to help him clean up the mess; Tune in to hear how she tackled love, money, and everything in between, proving that even the messiest financial situations can be turned around with the right mindset and teamwork! Content warning: this episode discusses financial abuse. If you or someone you know is experiencing financial or domestic abuse, you can call 1800RESPECT on 1800 737 732, text 0458 737 732, or visit their website for online chat and video call services: 1800respect.org.au. In an emergency or if you’re not feeling safe, always call 000.  Acknowledgement of Country By Natarsha 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 don’t have to be a Swiftie to learn from Taylor Swift’s epic financial moves! In this episode, we break down the strategies that helped Taylor become a Forbes billionaire and how you can apply them to your own money game—whether you’re negotiating a raise, diversifying income, or planning for the long game. From owning her music to adapting with every era, Taylor’s playbook is packed with lessons that can help anyone level up their finances. Ready to shake off those money worries and boss up? Tune in! Acknowledgement of Country By Natarsha 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.

FOMO got you feeling broke? You’re not alone! This week, we’re diving into a DM about the aftermath of FOMO spending and how it can seriously mess with your budget. Jess is bringing your best money wins, Bec’s sharing her signature broke tips, and we’re unpacking a super juicy money dilemma on getting a mortgage when you work in the sex industry. You don’t want to miss this one! Acknowledgement of Country By Natarsha 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.

Inflation’s rising, bills are piling up, and your paycheck? Not so much. Today we're going to fix that! This episode is all about giving you the confidence and strategy to ask for that raise, lock in some lifestyle perks, and start feeling in control of your finances. Let’s get you paid what you deserve, shall we? Acknowledgement of Country By Natarsha 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.

We're chatting with a Money Diarist who was completely blindsided when her husband announced he was leaving just months after they relocated to a new state. With a divorce looming and joint finances tied up, she’s been left to figure out how to support herself and her two children after spending years out of full-time work. But here’s the thing, she’s not backing down. Despite the heartbreak, she’s determined to rebuild and create a stable future for her family. Join us as she shares her story of resilience, strength, and life after divorce. Acknowledgement of Country By Natarsha 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.

Feeling overwhelmed by debt? You’re not alone... and it’s time to flip the script. In this episode, Victoria Devine helps you break free from the mindset that debt defines you. We’ll explore how to separate your self-worth from your financial situation, tackle debt with a plan, and take back control of your financial future. If you’ve ever felt stuck or ashamed of your debt, this episode is your reminder that you’ve got the power to turn it around. Acknowledgement of Country By Natarsha 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.

Is buying property the only answer? In today’s episode, we dive into the pros and cons of going solo on the property ladder. Jess is celebrating your best money wins, Bec has some smart broke tips, and we’re tackling a dilemma straight from the DMs: Should you reduce your work hours to avoid burnout or tough it out? It’s all happening this Friday, so tune in for some financial wisdom and fun! Acknowledgement of Country By Natarsha 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.

Living through the cost of living crisis doesn’t mean sacrificing your joy. In this episode, we’re sharing our community’s best-kept secrets for saving money without losing the little things that brighten your day. From grocery tips to rethinking your phone plan, these smart strategies will help you keep your wallet happy and your lifestyle intact! We'd LOVE you to vote for us for the listeners' choice awards at the Australian Podcast Awards.  Vote here (Voting closes on Oct 10.) Acknowledgement of Country By Natarsha 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.

In this episode, we meet a Money Diarist who made a life-changing decision that most people would think twice about. She walked away from a nearly $100k job in Melbourne, took a $70k pay cut, and moved to the country to work in education support—a job she’s truly passionate about. While it might sound like a risky move, she’s never been happier. Not only does she love going to work every day, but living in the country has brought unexpected financial perks, proving that sometimes passion really does pay off. Tune in to hear how chasing fulfillment over paychecks transformed her life in more ways than one! We'd LOVE you to vote for us for the listeners' choice awards at the Australian Podcast Awards.  Vote here (Voting closes on Oct 10.) Acknowledgement of Country By Natarsha 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 don’t need to have seen The Secret Lives of Mormon Wives to get hooked on this episode. We’re uncovering the surprising ways these women are flipping traditional roles and becoming financial bosses. Even if you’re not caught up on the drama, you’ll learn some serious lessons about financial freedom, power dynamics, and how money changes everything. We'd LOVE you to vote for us for the listeners' choice awards at the Australian Podcast Awards.  Vote here (Voting closes on Oct 10.) Acknowledgement of Country By Natarsha 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.

Ever got an extra bit of cash and wondered if it should go to your debts first? That’s a money dilemma a SOTM community member is having, so we’re breaking that down today! Plus, Jess is sharing your best money wins, Bec’s coming in hot with her top broke tips, and we’ve got a spicy DM about whether chasing up friends for a few bucks makes you petty or practical. It’s finance, fun, and Friday vibes all rolled into one. Tune in for a laugh and some smart money moves! We'd LOVE you to vote for us for the listeners' choice awards at the Australian Podcast Awards.  Vote here (Voting closes on Oct 10.) Acknowledgement of Country By Natarsha 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.

Investing can feel like a rollercoaster, but today we’re zooming out and seeing it for what it really is—the long game. In this episode of She’s On The Money, Victoria and Brooke from Sharesies are breaking down how to keep your cool when the market gets bumpy, why it’s so easy to get caught up in the emotional swings, and how to stay focused on your long-term goals. Whether you’re just starting out or a seasoned investor, we’ve got the tips to help you ride the highs, embrace the dips, and let compound interest work its magic. Tune in to learn how to invest with confidence, patience, and a big-picture mindset!  Acknowledgement of Country By Natarsha 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.

Today’s Money Diarist has been on a rollercoaster of a financial journey. She started her working life at just 6 years old, spent 18 years in hospitality, and went through two financial separations that could have set her back for good. But now, with three investment properties, a thriving side business, and a well-earned promotion, she’s on track to create the future she’s always envisioned. Tune in to hear how she transformed her setbacks into stepping stones and is now preparing for the retirement of her dreams. Acknowledgement of Country By Natarsha 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.

Why do some people seem to effortlessly build wealth while others stay stuck? Spoiler: It’s not just about how much you earn, it’s about how you think and what you do with your money. In this episode, we’re diving into the key habits and mindset tweaks that successful people use to unlock financial freedom. Want in on the secrets? Click play and let’s go! Acknowledgement of Country By Natarsha 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.

Ever thought about buying property with a family member? One of our community members is in this exact situation, and they need our advice! So today, the team breaks down their thoughts on co-owning property with family... what works, and what could go wrong. As always, we’re bringing the Friday vibes, celebrating money wins, broke tips and tackling a finance question about covering the cost of egg freezing. Tune in for all the Friday fun.  LAST DAY TO SIGN UP FOR THE INVESTING MASTER CLASS! Use the code PODCAST for a cheeky discount. Acknowledgement of Country By Natarsha 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.

How many of you are relying solely on social media for your marketing? Maybe you’ve thrown some cash at ads, hoping they’d work miracles? Well, in today's Business Bible episode I’m here to drop a bomb... social media alone is not a marketing strategy. But don’t stress, because, as always, we’re here to give you the real scoop on what it takes to build a successful marketing plan that actually works. We’ll cover the essentials, from defining your brand identity to understanding the power of your owned media, so you can get off that content wheel and start seeing results. SIGN UP FOR THE INVESTING MASTER CLASS! Use the code PODCAST for a cheeky discount. Acknowledgement of Country By Natarsha 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.

Today’s Money Diarist made a bold move, turning her life (and bank account) around! Feeling stuck in her job, she spotted a golden opportunity, took the leap, and built a side hustle that’s now bringing in some serious cash. She’s proof that with a little strategy and a lot of hustle, you can completely transform your financial future. Tune in for an inspiring, feel-good story that shows how hard work and a smart idea can lead to the life you’ve always dreamed of! SIGN UP FOR THE INVESTING MASTER CLASS! Use the code PODCAST for a cheeky discount. Acknowledgement of Country By Natarsha 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 wondered why your beauty drawer is overflowing with products you barely use? It’s not just you—It’s V too. And it’s all part of the game beauty brands play to keep you spending. This episode V is here to break down the marketing tricks that get you to hit ‘add to cart’ and how to shop smarter without falling for the hype.  SIGN UP FOR THE INVESTING MASTER CLASS! Use the code PODCAST for a cheeky discount. Acknowledgement of Country By Natarsha 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.

Tax and investing... sounds daunting, right? Not today! V breaks it down in her signature easy-to-understand style to help you keep more of your money while growing your investments. Plus there's all the usual Friday fun. We’re celebrating your biggest money wins and digging into a juicy dilemma about in-laws who just won’t stop spoiling the kids with over-the-top gifts. Tune in for all the tips and tea! SIGN UP FOR THE INVESTING MASTER CLASS! Use the code PODCAST for a cheeky discount. Acknowledgement of Country By Natarsha 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.

Wondering if it’s worth returning to work when child care costs are eating up your paycheck? You’re not alone. This episode takes a closer look at the true cost of child care, the long-term impact of a career break, and practical tips to navigate these tough decisions while keeping your financial goals in sight. The Australian government website for researching childcare: https://www.startingblocks.gov.au/. SIGN UP FOR THE INVESTING MASTER CLASS! Use the code PODCAST for a cheeky discount. Acknowledgement of Country By Natarsha 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 Diarist turned her biggest property regret into a real estate success story. After purchasing her first property at 22, she quickly found herself overwhelmed by mismanagement from her rental property manager and strata. The stress nearly pushed her to sell at a loss, but instead, she fought back, secured new management, and reclaimed control of her investment. Tune in to hear how she transformed a major setback into a stepping stone, and get inspired by her resilience and determination to turn things around. SIGN UP FOR THE INVESTING MASTER CLASS! Use the code PODCAST for a cheeky discount. Acknowledgement of Country By Natarsha 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.

Did your 20s look more like cocktails and concerts than savings accounts and spreadsheets? You’re not alone, and guess what- it’s totally okay! In this episode, Victoria Devine breaks down why blowing your budget in your 20s doesn’t mean you’re off track. She flips the script on those financial regrets and shows you how to make the most of where you are now. It’s time to own your past, love your present, and build a future that’s all yours. SIGN UP FOR THE INVESTING MASTER CLASS! Use the code PODCAST for a cheeky discount. Acknowledgement of Country By Natarsha 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.

Do you help a friend in financial trouble or keep their secret? It’s the ultimate friendship dilemma, and today, we’re diving into it headfirst! We’re also sharing your best money wins, your broke tips, and tackling a juicy situation about feeling more like your partner’s financial manager than their teammate. So tune in for all the Friday fun! SIGN UP FOR THE INVESTING MASTER CLASS! Use the code PODCAST for a cheeky discount. Acknowledgement of Country By Natarsha 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.

How much are you spending on car costs each week? If you’re like the average Australian household, it’s nearly $500. Crazy, right? Well we couldn’t believe it either, so we’ve pulled together some killer tips to help you save on your transport costs. Join us as we break down easy, practical steps to lighten that load on your wallet. Get Victoria's free guide to getting a better deal here. Invest with Queenie breaks down electric car costs here. Acknowledgement of Country By Natarsha 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.

Trigger warning: This episode contains references to financial and domestic abuse.  In this episode, we hear from a Money Diarist who bravely shares her journey of escaping financial abuse and reclaiming her life. From a young age, her finances were controlled by her parents, leading to shame, secrecy, and a mountain of debt that impacted her own family. Hiding the truth from her partner, friends, and colleagues, she felt trapped and powerless as her financial situation spiralled. A year ago, she made the courageous decision to take back control. Tune in to hear her inspiring story of resilience, recovery, and the path to financial freedom. If you or someone you know is experiencing financial or domestic abuse, you can call 1800RESPECT on 1800 737 732, text 0458 737 732, or visit their website for online chat and video call services: 1800respect.org.au. In an emergency or if you’re not feeling safe, always call 000.  Acknowledgement of Country By Natarsha 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.

Fast fashion is all about quick trends and affordable finds, and let’s be real—it’s hard to resist! But today, we’re taking a closer look at what happens behind the scenes of these quick-turnaround styles. We explore how ultra-fast fashion is shaking up the industry and what that means for us as shoppers and the planet. And don’t worry—we also share tips on how to enjoy fashion in a way that feels good for both your style and your values. Acknowledgement of Country By Natarsha 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 would you do if you suddenly had $60k in your hands? It’s fun to dream about, right? Well, for this week’s Money Dilemma, it’s not just a hypothetical—it’s real life! And things get spicy when the conversation turns to what truly counts as a favour in friendships. Plus, we’re bringing all the Friday Drinks goodness you love—celebrating your money wins, sharing your top broke tips, and of course, having a lot of laughs along the way. Pour yourself a cocktail and join us for the fun.  Acknowledgement of Country By Natarsha 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.

Feeling overwhelmed by the world of investing? You’re not alone, and we’re here to help! In today’s episode, we’re tackling your most asked investing questions, with nothing off limits. And of course, we’ve got the one and only Victoria Devine, who’s ready to break it all down in her signature no-nonsense, easy-to-understand style. Whether you’re just dipping your toes in or fine-tuning your strategy, this episode is packed with the answers you need to take your investing game to the next level. And if you’re ready to dive even deeper, don’t forget we’ve just announced our Investing Masterclass. Join the waitlist here! Acknowledgement of Country By Natarsha 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.

Today’s Money Diarist has been through a lot in her 36 years—from battling ADHD and confronting the financial burdens handed down by her parents, to stepping up as the sole breadwinner when her husband’s health declined. She’s here to share her journey and the valuable lessons she’s learned, with a focus on teaching kids about money and the importance of smart financial planning, even on a middle-income. Make sure you don't miss this one.  Acknowledgement of Country By Natarsha 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.

Feeling the pressure to keep up with the latest fashion trends? You’re not alone. In this eye-opening episode, we take a closer look at the impact of micro-trends on your finances and how it’s more than just a style choice. This is one episode you—and your wallet—can’t afford to miss.  Acknowledgement of Country By Natarsha 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.

Kick off your weekend the right way with our usual Friday Drinks fun! We’re celebrating your money wins, sharing some savvy broke tips, and diving into a juicy money dilemma about navigating wedding traditions that don’t feel like you. Plus, V spills the tea on the easiest way to find the best home loan that fits your life. Tune in for laughs, real talk, and the financial advice you need.  Acknowledgement of Country By Natarsha 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.

Feeling overwhelmed, juggling a million things, and wondering if it’s time to ask for help? Or maybe you’re spotting some exciting opportunities but can’t decide if they’re worth the leap? In this episode of The Business Bible, we’re tackling one of the biggest questions every entrepreneur faces—when is it time to scale? Whether you’re running a full-fledged business, hustling on the side, or just curious about what it takes to grow something from the ground up, this conversation is for you. Join your business besties, Victoria Devine, and Jessica Ricci, as they share insider tips, personal stories, and practical advice on scaling smartly without burning out. Acknowledgement of Country By Natarsha 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.

Today's Money Diarist was drowning in Afterpay and Zip Money debt. When she found herself in a bedroom full of clothes with the tags still on that were already out of fashion, she knew things had to change. Now she's buy now pay later debt-free, and sharing her journey to inspire others to break free from the cycle of debt and be more intentional with their purchases.  And as promised, here’s your exclusive code to kickstart your journey to financial freedom! Our Money Masterclass is packed with everything you need to master budgeting, cash flow, and take control of your finances.... Use code Pod50 at checkout to snag $50 off and start your path to financial freedom today https://www.shesonthemoney.com.au/the-money-masterclass Acknowledgement of Country By Natarsha 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.

Curious about how your favourite influencers turn likes into cash? Tune in as Victoria breaks down the secrets behind the success of today’s top influencers. Learn how they leverage brand partnerships, affiliate marketing, and even direct payments from platforms to build a thriving business. But it’s not all glitz and glamour—find out what it really takes to stay ahead in this fast-paced, ever-changing industry. Acknowledgement of Country By Natarsha 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 checked your credit score lately? If not, it’s time to take a closer look! On today's ep we chat about why your credit score should be a priority on your financial to-do list to keep financial health in check. And of course, we've got some practical tips on how to boost it. But it’s not all serious business—we’ve got the usual Friday Drinks fun, from celebrating your wins to sharing clever broke tips. And don’t miss our spicy money dilemma: How much is too much to spend on work gifts?  Acknowledgement of Country By Natarsha 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.

Today, we’ve got something special for you—Glen James, author of The Quick-Start Guide to Investing, is here to tackle your most burning investment questions. From picking the right platform to investing for your kids and knowing when it’s time to level up from micro-investing. If you’re looking to up your investing game, this episode is for you! Acknowledgement of Country By Natarsha 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.

Growing up in a single-parent household, this Money Diarist learned the value of hard work and resourcefulness early on. From selling loom bands as a kid to launching a beauty salon with her mum at 17, she's always had a hustler’s spirit. Her story is one of grit, determination, and proof that you can achieve anything if you put your mind to it. Don’t miss this inspiring episode that will motivate you to chase your own dreams. Acknowledgement of Country By Natarsha 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.

Today we’re stepping into the world of influencer culture. V is breaking down the delicate balance influencers have to strike between keeping it real and making bank. Finding that sweet spot isn’t easy, especially when they’re juggling audience expectations and trying not to get cancelled. This one’s going to be juicy! Acknowledgement of Country By Natarsha 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 team is back for Friday Drinks as they celebrate your money wins, reveal your real-life confessions, and share some savvy broke tips! This week's Money Dilemma is about the challenges of managing your money when you're single. Plus, they share their hot takes on what to do when you think your partner has an online shopping addiction.  Acknowledgement of Country By Natarsha 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.

Do you ever spend hours & hours researching the perfect shares & ETFs, but then freeze and never actually invest? Have you gone down a rabbit hole of comparing all your insurance options to get a better deal, just to get overwhelmed and stick with what you’ve got? What about when you spend so much time stressing over all the little details of your trip away that you kick yourself because the price goes up? Join V+B as they talk through why analysis paralysis is plaguing millennials’ finances and what you can do to get your decision-making mojo back. This episode has all the tips and tricks that will change your life when it comes to making decisions for your finances. Acknowledgement of Country By Natarsha 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.

Imagine being blindsided by a friend who left you with their debt and a partner with a secret gambling problem. That’s exactly what happened to this week's Money Diarist. But instead of giving up, she fought back, buying a home on a tight budget, and walking away with a $300k profit. Now, she’s planning her wedding and aiming to be debt-free by 33. Be inspired by this episode’s powerful story of resilience and financial recovery! Acknowledgement of Country By Natarsha 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.

Today V uncovers the truth behind the iconic Dallas Cowboys Cheerleaders, and all the red flags that could turn a dream job into a dangerous trap. From shockingly low wages to relentless body image pressures, this iconic job is a cautionary tale for women everywhere. Listen in and find out why the glamour might not be worth the grind. Acknowledgement of Country By Natarsha 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.

Join V, Jess, and Bec as they spill the tea on your money wins, reveal your real-life confessions, and share some savvy broke tips! This week's Money Dilemma tackles fears of a crashing share market. Plus, they give their hot takes on the question... What happens when your job and ethics clash?  Acknowledgement of Country By Natarsha 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.

Ready to take control of your financial future? We got you, with our step-by-step action plan to help you confidently start investing. Perfect for newbies and those looking to fine-tune their approach, tune in to learn practical tips and gain the confidence you need to start growing your wealth. Let’s get your money working for you! Acknowledgement of Country By Natarsha 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.

Growing up with a strong, independent mother as the breadwinner, today's diarist was inspired to embody the same strength and independence. Despite navigating poor financial decisions in her early 20s, she overcame lifestyle creep to gain control of her finances. Choosing to remain childless in a society full of opinions, she broke stereotypes in a male-dominated industry and now earns six figures without a degree. Now she aims to own a million-dollar business and retire in her 50s, and hopes to motivate others who strive to be independent, childless bosses! Acknowledgement of Country By Natarsha 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.

In this bonus episode, Victoria sits down with special guest Tracy Hall, who shares her gripping story of finding love, facing deception, and rebuilding her life. After separating from her husband, Tracy joined a dating app and met Max Tavita—a man who seemed perfect. But what started as a hopeful new beginning quickly turned into a nightmare when Tracy discovered 'Max' was actually Hamish McLaren, a notorious conman who swindled her out of $317,000. Join us as Tracy recounts her journey of resilience, offering invaluable lessons on trust and the importance of financial awareness.  Check out Tracy's work here, as well her resource with tips and tricks of avoiding scams, and recommended reading list here. Acknowledgement of Country By Natarsha 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.

Join V, Jess, and Bec as they spill the tea on your money wins, reveal your real-life confessions, and share some savvy broke tips! This week's Money Dilemma tackles the chaos of budgeting for a complicated lifestyle. Plus, we dive into your D.M. that asks the hot question... do you deserve a cut of the credit card perks when the points are from shared spending? Acknowledgement of Country By Natarsha 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.

Join Victoria and Jess today to discuss the 7 things you should do to expand your customer base, plus how can the 5-5-5 rule grow your network? Tune in to find out! Acknowledgement of Country By Natarsha 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.

Growing up comfortable with money, today's diarist developed negative money habits becoming an impulsive and emotional shopper. But now pregnant, she's working on these habits, building her money goals and paying off debt! She and her partner are working on their budget with to be aware and be on the same page in time for bubs arrival. An important episode for those in this situation, those planning on expanding their family or just want to create positive money habits with themselves and partner! Acknowledgement of Country By Natarsha 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.

Navigating financial matters is a significant aspect of any relationship, and establishing healthy money behaviour is crucial for long-term harmony and financial stability. Whether you are newlyweds, long-term partners, or planning to merge your finances, addressing money matters with transparency, mutual respect, and strategy are vital in any sustainable relationship. So today we give you tips on how to establish healthy money behaviour in your relationship. For immediate crisis support relating to domestic violence or sexual abuse, you can contact 1800RESPECT online or at 1800 737 732. In an emergency or if you’re not feeling safe, always call 000.  Good ShepherdCommBank Next Chapter Acknowledgement of Country By Natarsha 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.

Join V and Jess this week to celebrate your money wins, share your confessions and some broke tips! This week's Money Dilemma is about HECS repayments and inheritance. And, we dive into your D.M this week all about sharing costs to visit your family when you've moved overseas for your partner. Who should cough up the cash? Acknowledgement of Country By Natarsha 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.

Its so easy to get caught up in the day to day, and before you know it a year has passed and you’ve forgotten to check in with your goals. That’s why today we talk about investing in your future self. We give you a list of things to focus on which will take the anxiety out of getting proactive about financial planning, personal development, and long-term goal setting. Acknowledgement of Country By Natarsha 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.

Today's Money Diarist is 28 and working over 100 hours per week in a niche safety roles in the mines. As the first of 7 in her family to graduate with a degree, she's as hard on herself as she is a hard worker! Looking to make her hours more sustainable long term, her passion for the change she's making everyday in the workplace is what fuels her. We can't wait for you to meet her. Acknowledgement of Country By Natarsha 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.

Today we're thrilled to be joined by Caroline Wall, who has dedicated her life's work to identifying and ending financial abuse. Caroline chats with Victoria about the misconceptions around, and signs of financial abuse, the role of technology in both enabling and ending financial abuse, and how you can seek help for yourself or someone you care about. For immediate crisis support relating to domestic violence or sexual abuse, you can also contact 1800RESPECT online or at 1800 737 732. In an emergency or if you’re not feeling safe, always call 000.  Good ShepherdCommBank Next Chapter   Acknowledgement of Country By Natarsha 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 team is back together this Friday and celebrate your money wins and confessions and share some broke tips. Plus today's Money Dilemma is whether removing purchase conditions when bidding for your property will give you a better shot at home ownership. And, have you ever accepted money from someone with conditions? Well tune in for a JUICY D.M on today's show. Acknowledgement of Country By Natarsha 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.

Today we give you tips and tricks on setting a budget, ways to save on materials and what sort of surprise costs can spring up to hurt your hip pocket. Plus how project managing your renovation in stages can really save costs, and so much more! Acknowledgement of Country By Natarsha 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.

Save with marley spoon - https://bit.ly/4cWAWD2 or use the code MONEYWIN Having ditched her High School graduation to start work, our Money Diarist has had a job since 11 years old and always had a strong work ethic. At 20 years old, she is currently working in a remote location, where she lives, works and plays all at the same location - 5 hours away from a Supermarket!  With accommodation and bills all covered as a perk of the job, not having these living expenses allows our Money Diarist to save on her salary. Could you manage this lifestyle? Listen to find out! Acknowledgement of Country By Natarsha 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.

Another day, another high profile data breach, Medibank, Canva, Optus, Latitude – but it’s not just big corporations that are targeted. Every day, individuals and small businesses are under attack, and these stories don’t make the news. As a small business owner, a cyber security attack could end your business and really hurt your customers. But it is so easy to ensure that your business and customers are safe. Join Victoria for this bonus episode giving you some simple steps to take to keep your small business cybersafe! Acknowledgement of Country By Natarsha 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.

Join the team today as they celebrate you, and our very own Jessica Ricci's big 30- Happy Birthday Jess!  The gals chat money wins; cheap meal prep, tickets offers, getting a key furniture item on sale, tax return and more, plus a broke tip or 3. Plus it is indeed a juicy money dilemma this week asking whether you’re liable if your partner owes tax? And this week you slid into our D.Ms about contributing to shared funds when you're on mat leave and your partner is working full time. What's the fair thing to do? National Debt Helpline Acknowledgement of Country By Natarsha 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.

Today we celebrate NAIDOC week with our friends Aunty Munya and Carla Rogers from Evolve Communities. They share their insights on the challenges faced by black businesses in Australia, how we can show up as allies, how businesses can be more inclusive and so much more. They also reflect in this year’s NAIDOC theme – Keep the fire burning! Blak, loud and proud. Check out the amazing work of Evolve Communities here. Acknowledgement of Country By Natarsha 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.

Having started and quit uni, she found herself moving to London and working as Butler, with some WILD experiences! After heading home and back to uni, things seemed on track, after graduating she was on a $100k salary! But in 2 short years, she was on Centrelink with $0 in savings. She's now in her final year as a med student at age 30, and is in the middle of her fertility preservation treatment. Financial status: work in progress! Acknowledgement of Country By Natarsha 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.

Today we're dropping this bonus episode in to get you engaged with what is possibly one of the BIGGEST investments of your life, superannuation. But so often we don’t frame it this way. It’s pushed to the back of our mind, or feels confusing and complicated to so many of us. So join Victoria and our special guest Anne Fuchs is the EGM for Advice, Guidance and Education, at Australian Retirement Trust for the 6 simple steps you can take to get on top of your super.  Acknowledgement of Country By Natarsha 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.

Never a quiet week on SOTM, and this week the gals talk Bec's eviction(!!), whether health insurance is really worth the money, and also what to do when a family member who owes you serious money ghosts you! As usual too we celebrate your money wins and talk broke tips. Acknowledgement of Country By Natarsha 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.

It's Q1 of the new financial year, but are we starting this new year with a financial hangover, or are we refreshed and ready to go? Join Bec and Victoria as they dissect where things are at in the economy, from inflation to housing, employment and wages and oh so much more. Acknowledgement of Country By Natarsha 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.

Today's diarist grew up exposed to alcohol and gambling, and subsequently went without. She developed a shopping addiction and hit rock bottom last year after she spent all her money on clothes and relocating interstate. But this lead to her finally beginning to turn her life around with the support of her partner, and now she's on the road to home ownership! Friends! If you loved this episode, then we know you are going to love Victoria's new book! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! Get your copy now, click here!  Acknowledgement of Country By Natarsha 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 team is back together this Friday and celebrate your money wins and confessions and share some broke tips. Plus today's Money Dilemma is from someone who has received a bittersweet inheritance that will help them get on the property ladder. However, they aren't sure how to manage this with their partner who isn't quite on the same page. And, have you ever booked a trip away with a bestie who then changes their plans and leaves you holding the debt? Well tune in for a JUICY D.M on today's show.  Check out Bec's list of cheap fun things to do this school holidays! Acknowledgement of Country By Natarsha 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.

New financial year, new you! Most people create their goals and look at their forward planning in January in line with a fresh new year, but how often do you review those? EOFY is the perfect time to do a review of how you've been tracking with your financial goals, or even to start fresh. SO, on today's show we talk mindset and goals,and we also run through a list of practical things that you should be checking in on at this time of year! Acknowledgement of Country By Natarsha 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 Money Diarist had to start her life over at 29 after a broken marriage. It was a blessing in disguise, teaching her to be independent and almost 10 years later, she's happily remarried, has a high paying job having switched careers, and now owns three properties. Her latest journey? After 12 unsuccessful rounds of IVF,  she and her husband are on the road to adoption! Friends! If you loved this episode, then we know you are going to love Victoria's new book! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! Get your copy now, click here!  Acknowledgement of Country By Natarsha 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.

Its a happy Friday indeed as Bec and Jess pilot the episode this week, so strap in for some laughter! The vibes are high, but they also drop some seriously good advice for this week's Money Dilemma on what to do with your resume when facing a redundancy. Plus this week's D.M is the age old tale of navigating a pay rise with a stingy boss! Acknowledgement of Country By Natarsha 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.

They say money doesn’t buy happiness, but is that really true? Studies show that whether or not money can buy happiness is dependent on how our purchases align with our goals. So today we explore how money drives our emotions, how guilt impacts our purchases, and we share YOUR stories of things that have brought you happiness that you’ve dropped some cash on! Acknowledgement of Country By Natarsha 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.

At 28 and after ten years of travel, fun, work and a bunch of health issues today's Money Diarist decided to change careers. She was broke starting over and owned nothing! And now at 38, she's kicked off a 12 year plan to retire at 50! How exactly is she going to achieve this? Tune in to find out! Friends! If you loved this episode, then we know you are going to love Victoria's new book! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! Get your copy now, click here!  Acknowledgement of Country By Natarsha 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.

Double your fun this Friday as our budget besties Two Broke Chicks return! Jess and Bec are joined by queens Sal and Al who share invaluable tips on snagging a bargain, the ick of the click frenzy, the psychology of resetting and their new book Finding Your People. Plus we answer your Money Dilemma about blowing out your budget for EOFY, and get ready for some aural hugs as the gals give you a pep talk for this week's D.M  about resetting your mindset after a toxic workplace. Check out Bec's Dupes tip here Find Two Broke Chicks on Instagram, and check out their pod! Acknowledgement of Country By Natarsha 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.

Does tax time send you into a spin? Well don't sweat it because we've got Julian Mauro who is not only a finance guru, but also runs his own accounting firm – Mauro joining us on the show today. He runs us through some of the key things we should be looking at this year, plus after the break, he answers all the questions from the small business owners and side hustlers in our community! Check out Mauro online and on Instagram! Acknowledgement of Country By Natarsha 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.

Today's diarist never thought she would be unemployed or renegotiating the mortgage, she had a career that was going places, and then cancer hit - twice! After she was told 10 years ago that she wouldn’t live this long, she's still here, with two adult children, and at the end of a steep learning curve. Plus you will never guess what she does for a living noways! Friends! If you loved this episode, then we know you are going to love Victoria's new book! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! Get your copy now, click here!  Use the tax cut calculator to estimate you annual tax cut. Acknowledgement of Country By Natarsha 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.

Get ready for takeoff as radio star, #1 podcast host, author (and just about everything else) Kate Langbroek, joins Jess as co-pilot on today's show! Discussing everything from cultural exchanges and castor oil, to capitalism and KFC, tune in as Jess stresses Kate out with all the ways she can save her money which she just won't adhere to! Plus they give valuable insights into your questions this week on concern around losing you identity when having a baby, and also whether you choose career or wonderlust? Check out Kate's brand new podcast The Buck Up here Acknowledgement of Country By Natarsha 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.

On your mark, get set, go! On today's show we explain investment portfolio diversification in 30 mins! We'll give you everything you need to know, plus share 4 tips on how to diversify your portfolio, and how to keep it that way! Acknowledgement of Country By Natarsha 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.

Welcome back to another Money Diary episode, but this time with a twist. We are thrilled to share this bonus episode Money Diaries Unmasked with you this week! Today's super special guest is musician, content queen and savvy saver Hannah Sands. Join us as she shares this very public Money Diary and talks all bout her business, side hustle, family budget and how she makes it all work like a dream. Get set to be inspired! Friends! If you loved this episode, then we know you are going to love Victoria's new book! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! Get your copy now, click here!  Acknowledgement of Country By Natarsha 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.

Today's episode discusses suicide, if that's a tricky topic for you please listen to one of our other episodes.If you or anyone you know needs help, contact lifeline online or call 13 11 14 Today's Money Diarist has been through so much in just 2 short years. After she and her ex split up he ended his life. Her whole life was turned upside down, she had to stop work and was broke. But incredibly, she is now a home owner, engaged and has a baby on the way. How did she get here? Tune in to find out! Friends! If you loved this episode, then we know you are going to love Victoria's new book! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! Get your copy now, click here!  Acknowledgement of Country By Natarsha 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.

Add the yay to your Friday as Jess and Bec are joined by the force that is Brittney Saunders! The entrepreneur, podcaster and founder of FAYT The Label, shares her refreshing insights into making the most of business mistakes, the cost of hiring the wrong person for the job, her formative entrepreneurial experiences from making phone cases to spray tans in her basement and SO much more! Plus the team give thoughts on this weeks Money Dilemma of scaling your business, and our community D.M on managing a toxic work environment. Check out Brittney's podcast Big Business with Brittney Saunders! Acknowledgement of Country By Natarsha 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.

New financial year new you! It's the perfect time to check in on your financial situation and goals and take stock of how you're tracking. So we've made a list to take all of the guess work out of EOFY for you! You don't wanna miss Victoria's top 5 things you should be looking at before we head into the new financial year. Acknowledgement of Country By Natarsha 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.

Join us for a special episode of Money Diaries today as Victoria reads to you from her brand new book Money Diaries With She's On The Money. Feel inspired, motivated and empowered to create the financial life you want.With page-turning stories from real people about their relationships with money, plus fun activities and quick tips to help transform your own money story, Money Diaries with She's on the Money is the enjoyable, useful finance book you need (and actually want)! Friends! If you loved this episode, then we know you are going to love Victoria's new book! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! Get your copy now, click here!  Acknowledgement of Country By Natarsha 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.

Join us for a bit of a family focus on Victoria's last Friday episode before she goes off to Europe for a month. This week as the gals chat about a Money Dilemma asking if you can inherit debt from your parents? Plus this week's D.M wonders who should cover the cost when you live far from your family and are feeling the pinch of keeping up with family events? Plus the team talk your money wins and losses, broke tips and so much more!  Acknowledgement of Country By Natarsha 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.

Join Bec Syed and financial expert and new mum Victoria Devine to discuss what it actually costs to bring a baby into the world. What does it really cost to birth in the private vs. public systems, fit out a nursery, and what are all the unexpected extras that can really add up to break the bank? Tune in to find out. Acknowledgement of Country By Natarsha 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.

How is HECS/HELP debt is changing since Treasurer Jim Chalmers outlined overhauls in the 2024 Federal Budget? Listen to this bonus micro episode as Victoria explains the ins and outs of everything you need to know! Acknowledgement of Country By Natarsha 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.

At the tender age of 21, today's Diarist has already visited 15 countries, saved $65K and has just moved interstate all thanks to her career in the seafaring industry! Next stop is saving for a house with her partner who is a Captain in training. She can't wait to share all of the opportunities her unique industry has giver her, and we can't wait to share her with you! Friends! If you loved this episode, then we know you are going to love Victoria's new book, Money Diaries with She's on the Money! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! It's coming in May but you can pre-order your copy now, click here!  Acknowledgement of Country By Natarsha 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 gang is back together today and are talking "secure" investments vs superannuation for this week's Money Dilemma! Plus, what would you do if your bestie begged you to come on a trip you could't afford, insisted on loaning you money and then changed the deal afterwards? Who's at fault in this situation? The gals have feels as do you about this week's community D.M. And as ever we celebrate your money wins and talk broke tips! Acknowledgement of Country By Natarsha 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.

Want the TLDR of the 2024-2025 Federal Budget? She's On The Money has got you covered! Join Victoria and Bec for a breakdown of what was promised, what matters and how it will impact you! Hear Victoria's hot takes on what's been promised on assisting the cost of living crisis, education, students, health, housing, women, First Nations peoples and disability support. Acknowledgement of Country By Natarsha 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.

Today's Money Diarist is well on the way to turning around her situation after drowning in debt due to an unexpected tax bill! She and her husband traveled and treated themselves before the birth of their little boy, and then were overwhelmed by the task of sorting out their finances. Their son's special needs means this community member juggles family life and working part time as teachers aide. But with a lot of hard work she and her husband have paid off $80,000 of debt in 3 years and are very close to being debt free! Friends! If you loved this episode, then we know you are going to love Victoria's new book, Money Diaries with She's on the Money! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! It's coming in May but you can pre-order your copy now, click here!  Acknowledgement of Country By Natarsha 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.

Join Victoria and Bec for your Friday (get well soon Jess) as they talk your money wins and losses, share some broke tips and answer a Money Dilemma about whether its better to have a lower interest rate or APR? Plus, we talk wedding etiquette on today's show. This community member is close to full term of her pregnancy and has just been advised by her OB that her labour date needs to be brought forward. Her friend (the bride) is now insisting she reimburse her for her seat at the wedding reception. Is this reasonable or outrageous? The gals have feelings about this week's community DM! Acknowledgement of Country By Natarsha 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're in a position to start investing for your child, why is it good to start early? Two words - compound interest! Join Victoria and Bec as they chat today about V's two favorite words, but also how to teach your kids about money,  how to get them familiar with the concept of the family budget, child tax rates and so much more! Acknowledgement of Country By Natarsha 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 Money Diarist has been on quite the journey so far! After she dropped out in year 12 she proceeded to dive around $80k deep into a debt trap. She was even skipping meals due to the debt she faced! Fast forward, she's worked in everything from childcare to funeral services and is currently working in the youth justice system. She has almost $20k her Sharsies portfolio and 2 investment properties all before 30!  Friends! If you loved this episode, then we know you are going to love Victoria's new book, Money Diaries with She's on the Money! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! It's coming in May but you can pre-order your copy now, click here!  Acknowledgement of Country By Natarsha 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.

Join us today as the team finally reunites! Victoria is back, and baby Harvey Roy Devine makes his podcast debut with Jess and Bec. The gals catch up and share your money wins, and talk some HILARIOUS broke tips. Plus this week's Money Dilemma is about managing an inheritance, and you slid into our DMs this week asking about splitting rent and bills when living with your partner. What's fair and how to make it all equitable? The gals have thoughts and feels. Check out Cheapskates Podcast Preorder Victoria's new book, Money Diaries with She's on the Money here!  Acknowledgement of Country By Natarsha 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.

Did you know that the average Australian is missing out on $11,055 a year, or $425 per fortnight due to unpaid overtime? So today it is high time we talk about managing workplace boundaries! What are you comfortable with? How can you define your boundaries without feeling like you’re letting your employer down? How to manage all of those little things that make you feel as though you need to always say yes to your boss? Tune in to find out! Acknowledgement of Country By Natarsha 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 pay $10 for a packet of Doritos? How about $9 for a wilted bunch of Kale? Well this is daily life for today's Money Diarist who lives on one of Australia's remote islands. Her unique career in a male dominated industry gives her a lot to say about the inflated cost of living, and also some fascinating insights into a pretty unique way of life. She's worked her way up in her industry and negotiated $40,000 pay rise in 6 months! We can't wait for you to meet this absolute powerhouse. Friends! If you loved this episode, then we know you are going to love Victoria's new book, Money Diaries with She's on the Money! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! It's coming in May but you can pre-order your copy now, click here!  Acknowledgement of Country By Natarsha 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 luminous Laura Henshaw joins Jess and Bec this Friday to chat money wins, broke tips and so much more! She shares wisdom on a Money Dilemma which is the entirely relatable problem of trying to balance your well being and budget. Plus this week's D.M is about navigating business with your bestie. How do you keep communication at the core to stay on the road to success? Follow KIC on Instagram  Want one month of KIC free? Use the code: MONEYMONTH to redeem it here!  Acknowledgement of Country By Natarsha 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.

As your career or business evolves, the way you spend your day now, will look very different at various points along the way. Join us as today we take a peek behind the curtain to find out how Victoria manages her time in business! She shares insights about her journey divided into 3 distinct phases; the starting phase, the growing phase and the established phase and so much more. Acknowledgement of Country By Natarsha 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 inspiring Money Diarist had a terrible relationship with money, and after a huge life setback which meant time off work (and going broke), she managed to reset, turning around her whole life and money story! With a little help from SOTM, and a whole lot of hard work she's now well on the way to paying off her debts, is engaged, and her future looks so bright. We are endlessly proud of her and can't wait for you to meet her! Friends! If you loved this episode, then we know you are going to love Victoria's new book, Money Diaries with She's on the Money! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! It's coming in May but you can pre-order your copy now, click here!  Acknowledgement of Country By Natarsha 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.

Strap in for a hilarious and freewheeling Friday as Jess and Bec are joined by Matty J and Ash Wicks, aka Two Doting Dads! The guys bring some interesting (cough) tips on how to save on your kids birthday party, and some fascinating front line dad experience to today's show. And as ever we share your money wins and losses, and some broke tips! Plus hear the brains trust unpack a Money Dilemma all about the ethics of pocket money, and you slid into our D.Ms about how best to manage spoiled nieces. Do you draw a line in the sand, or let it go? Listen to Two Doting Dads Podcast  Acknowledgement of Country By Natarsha 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.

Do you ever feel like everyone else is way ahead of you when it comes to money? How often do you find yourself thinking that others just have it better off? We ALL experience these feelings in life, but when does comparison culture stop being a motivation for good, and start costing us dearly? The cost of comparison culture is high on both our mental health, and also our finances. So today we talk about why it has such a hold over us, and how we can identify it, and combat it! Acknowledgement of Country By Natarsha 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.

Today's Money Diarist is the definition of tenacity! She came to Australia from the Philippines on a student visa almost 13 years ago, struggling to make ends meet working odd jobs and enduring some scary experiences. Fast forward to today, she's an Australian citizen earning $180 - $200k per year as travel nurse flying all over the country. She's also managed to bring her siblings here and is working towards her 4th investment property. Wait till you meet her! Friends! If you loved this episode, then we know you are going to love Victoria's new book, Money Diaries with She's on the Money! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! It's coming in May but you can pre-order your copy now, click here!  Acknowledgement of Country By Natarsha 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.

Double your fun this Friday as Jess and Bec are joined by not one, but Two Broke Chicks! The dynamic pod duo, Sal and Al stop by with their two cents on some broke tips and money wins and losses. PLUS the gals share their wisdom on this week's Money Dilemma which is all about keeping your clothes budget for a big schedule of events by purchasing fast fashion. And you slid into our DMs this week to ask how to get on the same page as your besties when budgeting for a group event. Find Two Broke Chicks here! Acknowledgement of Country By Natarsha 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.

Do you need to be a multi-millionaire to get financial advice? Absolutely not! And to tell you why, Victoria is joined by friend of the show, financial advisor and Chief Operating Officer from Everest Wealth, Daisy Magor. On today's episode they share practical tips on what financial advice actually looks like, how it's structured, what you can expect when you speak to a professional and so much more! Book an Everest Wealth Introductory Call Acknowledgement of Country By Natarsha 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 Money Diarist knows the meaning of hard work. She finished school by 16, had her degree by 20, and an investment property by 22. She wants to share how negotiating rental assistance in her remote work placement, plus working incredibly hard has allowed her to buy her first home and get ahead financially so early in life.  Friends! If you loved this episode, then we know you are going to love Victoria's new book, Money Diaries with She's on the Money! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! It's coming in May but you can pre-order your copy now, click here!  Acknowledgement of Country By Natarsha 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.

Join Jess and Bec for another fabulous Friday as they catch up with the incredible Hannah Ferguson - the founder and CEO of Cheek Media Co! The gals share your money wins and losses, plus a broke tip or two. AND this week a few spicy ones for your day; Firstly a Money Dilemma about being stuck in a workplace that promotes men over women. Plus you D.Md us this week about what to do when you find out your sister makes her money on OnlyFans. What's the line between your duty of care, and crossing a boundary? The gals have thoughts and feelings on this one, tune in to find out! Some useful links:Workplace Gender Equality AgencyFind Hannah on instagram See omnystudio.com/listener for privacy information.

Have you got the travel bug but feel anxious about parting with the money? Do you balk at setting a budget? Well never fear because today we'll not only explore how to set your budget before setting sail, but also discuss the often-overlooked aspect of budgeting for your return home, plus many more tips and tricks for your trip! Some other helpful episodes from our archives... Travel Savings Hacks Common Financial Mistakes For Travelers Travel Insurance Acknowledgement of Country By Natarsha 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 Money Diarist has been on a huge emotional journey, and crossed the world to do it! After meeting her love she followed him to Australia, leaving behind her dream job, and life in Canada. 5 years in, she realised the relationship was toxic and had to end things. Fortunately she is now reclaiming her self-worth and is not just back on track, but truly thriving!  Friends! If you loved this episode, then we know you are going to love Victoria's new book, Money Diaries with She's on the Money! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! It's coming in May but you can pre-order your copy now, click here!  Acknowledgement of Country By Natarsha 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.

It is a very good Friday this week with yet another elite guest, Jess and Bec are joined by the wonderful Emma Edwards of The Broke Generation! Emma shares her valuable insights on this week's Money Dilemma about getting back on track with your savings goals after ending and engagement. And this week you slid into our DMs about feeling guilt for spending in no spend month. Plus the gals share your money wins and losses and talk some top broke tips!   Get Emma's new book Good With MoneyCheck out The Broke Generation Podcast Find Emma on Instagram Acknowledgement of Country By Natarsha 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.

Social media plays a big part in most of our lives, and even more so for the brands and businesses around us. Today on the show Jessica Ricci joins Victoria Devine to discuss how to maximise social media for your business. From optimising its ability to generate customers, to the importance of consistency and so much more! Acknowledgement of Country By Natarsha 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 savvy community member grew up in a single parent household with an amazing mum who always prioritised her education.  Now at the tender age of 18, she's studying, has a side hustle, has already saved $20,000 and has investments! Wait till you meet this absolute young gun! Friends! If you loved this episode, then we know you are going to love Victoria's new book, Money Diaries with She's on the Money! This book has been written so you can feel empowered and see that YOU have the power to rewrite your own money story! It's coming in May but you can pre-order your copy now, click here!  Acknowledgement of Country By Natarsha 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.

Prepare for takeoff, cause this episode is so uplifting! One of our FAVE friends of the show, the effervescent April Hélène-Horton aka The Bodzilla joins us today. April is a writer, public speaker, actor and model and joins Jess and Bec to talk climate care, body positivity, and generally spark joy for your Friday! As ever they also share your money wins and losses, talk broke tips. Plus this week's money dilemma is about the extra cost of plus size clothing, and our D.M is about traveling with a friend with a different budget Listen back to April on this past episode here! Acknowledgement of Country By Natarsha 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.

It can certainly be a shock if you find yourself being made redundant, however it is all too common and nothing to be ashamed of! Often redundancy can provide you with some flexibility and put you in the position to level up in your career. Today we talk you through the ins and outs of redundancy, how packages can work, what to discuss with your boss, navigating conversations with your next employer and so much more! Acknowledgement of Country By Natarsha 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 stunning story is one to learn from. This community member was widowed at 34 after her husband died suddenly and unexpectedly. They had just built their dream home, were planning a family and overnight she was widowed, in a financial crisis, relying on Centrelink, and three weeks pregnant. With the help of good financial preparation, a solid emergency fund and much resilience, three and a half years on she's a happy solo Mumma to a beautiful three year old daughter, and earning a 6-figure salary. Acknowledgement of Country By Natarsha 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 creator of Female Founder World, Jasmine Garnsworthy delights us with her company on today's show, joining Jessica Ricci and Bec Syed to celebrate your money wins and share some broke tips. Plus we unpack a money dilemma about investing in your side hustle, and you slid into our DMs to question receiving vet bills long after you've given your pet to a relative! Acknowledgement of Country By Natarsha 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.

We’re still in the first quarter of 2024, and if this was your year to start investing and you haven’t gotten around to thinking about it yet, then that’s ok! Mindset truly is the cornerstone when it comes to creating an investment strategy, and it's often the biggest hurdle many of us face.  So today we give you the 6 steps you need to take to create your investment strategy! Check out these helpful investment basics episodes... Back To Basics of Investing Caution! Listen at Your Own (Risk) Profile What Is The Difference Between Investment Platforms? Investing On a Low Income Acknowledgement of Country By Natarsha 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 Money Diarist has had a fascinating journey, from growing up in a in a very low socioeconomic, single parent home, she learned to be very independent in life and with her finances. Now at 29, she has a degree, works as a singer-songwriter and freelancer in social media, PR, journalism, marketing and has backpacked to 44+ countries, spending on average for 4 months every year overseas! There is so much more to her story and we can;t wait for you to meet her. Acknowledgement of Country By Natarsha 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.

HAPPY INTERNATIONAL WOMEN'S DAY! We are SO excited to be sharing it with you and one of our absolute favourites, Maria Thattil. The author, speaker, former Miss Universe Australia (and so much more) joins Jess and Bec to celebrate your money wins, talk broke tips, and this week they chat about a Money Dilemma over a rainbow washing workplace. Plus, you slid into our DMs about judgement in your friendship group over your financial and relationship situation, is it cruel or cool? Don't miss this chat cause the gals have sage advice. Acknowledgement of Country By Natarsha 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 an incredibly special episode we have for you today in celebration of International Women's Week. Victoria is joined by the incredible Moana Hope, athlete, broadcaster and absolute legend! Get fired up as they talk about overcoming economic adversity, the power of a side hustle, the prevalence of homelessness in older women, the gender pay gap, and even a brief little intro on how to start your investment journey cause VD can't help herself! You do not want to miss this deeply moving conversation. Acknowledgement of Country By Natarsha 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 gorgeous community member from New Zealand lost her mum suddenly last year. While navigating her own grief, she's had to help her dad understand and manage his household finances,while planning her wedding and a six month OS honeymoon. The loss has highlighted how important it is to communicate openly about joint accounts, bill payments and creating a will for her and her fiance. She hopes our community can learn through her loss. Acknowledgement of Country By Natarsha 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.

Welcome to a not so average Friday. While our beloved Victoria Devine is on maternity leave, Jessica Ricci and Bec Syed will be joined each Friday by a whole heap of friends of the show! First up is the incredible Michelle Battersby, tech start up queen, founder of Sunroom and SO much more. On the show today the gals share your money wins, talk broke tips and answer a Money Dilemma about taking a pay cut to work for a company that will get you future opportunities. Plus you slid into our DMs this week with a juicy one all about prioritising your fiances for lifestyle, or children. Acknowledgement of Country By Natarsha 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.

Ah the mysteries of pricing! But pricing your services is not just about numbers; it's about knowing the value you bring to the table. Confidence in your pricing is directly linked to confidence in your worth. If you don't believe in yourself and your value, how can you expect others to? On today's episode, Victoria and Jess discuss how to set your prices, when to increase them, and most importantly, how to back yourself in the world of business! Acknowledgement of Country By Natarsha 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 was a broke,18 year old mum living on Centrelink, all until she discovered the beauty industry. Now she owns an investment property with a flexible career a full schedule nail technician and her family is thriving! Hear about her journey on today's episode. Acknowledgement of Country By Natarsha 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.

It's not just any ordinary Friday, but the last one that Victoria will be with us for a while before she welcomes Mini into the world - CONGRATULATIONS Victoria and Steve!So help us celebrate your money wins, chat some broke tips, and we help with a Money Dilemma about what to do about bad neighbours when you own your property. Plus, have you ever looked after a friend's things while they have gone away for an extended period? How long is too long and how much stuff is a burden? You slid into our DMs this week and we had feelings! Acknowledgement of Country By Natarsha 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.

We are most definitely in the age of the influencer, but have you noticed the ‘deinfluencing’ trend? Join us on the show today as we unpack what deinfluencing is, why it has skyrocketed over the past few years, if deinfluencers can be trusted and SO much more. Acknowledgement of Country By Natarsha 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 Money Diarist grew up in government housing, moving 20+ times before the age of 15. But now, she owns her own home, business and has a beautiful bubba! You're sure to be inspired by her story of breaking the cycle of financial instability she grew up with to build a more stable future! Acknowledgement of Country By Natarsha 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.

Only ONE more sleep till you know what! And if you're not a Swiftie...sorry, not sorry! Join the gals as they share your money wins and losses, broke tips and discuss a Money Dilemma about a cuuuuute little sausage dog that may or may not need pet insurance. Plus, if you were saving for a house and had some in-laws offer free accom with a catch, what would you do? Look after future, or current you? That's exactly what our community DM this week has us pondering! Acknowledgement of Country By Natarsha 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 gone to grab your favorite packet of bikkies from the supermarket and noticed it was smaller, but more expensive than ever? Shrinkflation is when brands start selling less for more by reducing the size of their products but keeping the price the same and it is rampant right now! From Glad Wrap to Freddo Frogs, nothing is safe so today we discuss shrinkflation and other sneaky tactics that brands use to maximise profits, and minimise what you get for your dollar. Acknowledgement of Country By Natarsha 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.

Today's Money Diarist says that her difficult relationship with money is rooted in her strict religious upbringing and beliefs. Growing up in the Philippines her family didn’t discuss money, but since moving to Australia 4 years ago she's struggling to adapt to the culture and attitudes around money here. She earns a livable wage and is trying to adjust, but just can’t seem make the mental switch. Acknowledgement of Country By Natarsha 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.

Today the vibes are high so join your favorite trio Victoria, Jess and Bec as they share you money wins and talk broke tips with a Valentines Day skew! This week's Money Dilemma is about the very sexy topic of income insurance. PLUS, have you ever gifted a friend a spenno hand me down, only for them to then sell it for a profit? Cool, or not cool...that is the question! Acknowledgement of Country By Natarsha 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.

Here at She's On The Money we LOVE a list, and we know you do too. So buckle in as we count down the The Top 5 Performing ETFs in 2023! Acknowledgement of Country By Natarsha 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 absolute queen was married at 18, owned two properties by age 20, and had two babies by 21...talk about busy! She's now working full time to support her family while studying part time. We can't wait for her to explain how on earth she juggles it all at once! Save up to $235 off your first 5 Marley Spoon boxes, head to marrleyspoon.com.au and use the code ‘moneywin’! Acknowledgement of Country By Natarsha 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.

Friday is with us again, so get into the spirit with the gals as we celebrate your money wins, dive into some broke tips and answer a Money Dilemma about sorting out your super at 30 years old. Plus, you slid into our DMs about a boyfriend who is regularly paying for his parent's lifestyle. Is this normal to you, or a red flag? Tune in to get the goss from the gals!   Acknowledgement of Country By Natarsha 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.

Does the idea of personal insurance confuse you? Well we've you covered as Victoria is joined today by insurance expert Phil Thompson from Skye Wealth! In this fascinating conversation they talk income protection, life insurance, TPD and trauma insurance. Plus, the give you the ins and outs of what kinds of things are covered by the insurance through your Super fund as well as next steps to take if you're not covered! Acknowledgement of Country By Natarsha 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 long-term SOTM community member grew up in a well-off situation as a child and things drastically changed when her parents divorced. Her healing of the trauma of sexual and psychological abuse with professional help has had a positive ripple effect on my money mindset, and she has been able to reach goals she never thought possible. We can't wait for you to meet this gorgeous member of our community! Links National domestic family and sexual violence counselling service:1800RESPECT online or call 1800 737 732 Acknowledgement of Country By Natarsha 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.

It's Friday and you know what that means, it's time to join the gals as they celebrate you! Today we share your money wins, broke tips and we discuss a Money Dilemma about work options for a community member with a disability. Plus you slid into our D.Ms with the ever tricky situation of family gift giving. Listen in to get the low down! Acknowledgement of Country By Natarsha 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.

Setting yourself up and having tangible ways you can track and review all aspects of your business will be pivotal to your success. It is so easy to just have an idea and run but as soon as you decide to make this an actual way of making money you need to see how everything is tracking. Which is why today we are going to give you a stack of super helpful tips and practical pieces of advice you can implement today to keep better track of your business! Acknowledgement of Country By Natarsha 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 wonderful community member went from major consumer debt to owning three properties! She was inspired by Victoria to follow her passion for finance and is now well on her way to becoming a financial adviser. She's a ray of sunshine and we can't wait for you to meet her! Send us your Money Diary! Acknowledgement of Country By Natarsha 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 gals bring the yay to your Friday this week celebrating your money wins, talking broke tips and they answer a Money Dilemma about whether as a first time investor you should prioritise commercial or residential property? PLUS, this week you slid into our DMs about helping a friend pay for mental health support, then to find out they have spent their own money on drugs. What would you do? The gals have thoughts!  Links Lifeline Drug and Alcohol supportTurning Point Acknowledgement of Country By Natarsha 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.

"From little things, big things grow" as the song goes. You might think that some goals are too small to even be bothered with in he first place, but at SOTM we love these the most! These are the goals that have huge transformational power. And on today's episode we talk about why and also share ways to stay on track with your goals and keep motivated! Acknowledgement of Country By Natarsha 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 inspiring Money Diarist grew up with a financially irresponsible and manipulative father, then became homeless from the age of 20 to 22. But she managed to flip her life around entirely and independently bought my first unit at age 25! She's now working in mental health and we cannot wait to share her wonderful story with you! Acknowledgement of Country By Natarsha 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.

Join us for another fabulous way to end the week as we celebrate your money wins, dish up some broke tips and answer a Money Dilemma about how to get out of a rut without compromising future you. Plus, you slid into our DMS this week about spending on yourself from shared bank account with your partner. How much is ok to spend? How do you communicate? There were lots of thoughts so don't miss it! LinksTo contact the national domestic family and sexual violence counselling service dial 1800RESPECT or online here Listen to our past episode "The Signs Of Financial Abuse Are Often Not That Clear" here. Acknowledgement of Country By Natarsha 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.

Some people want you to believe that all that lies between you and your millions is hard work and determination. Well...maybe, BUT often the thing that isn't mentioned is the privilege or family connections helping people on their way to their fortune. Today we unpack the damaging myth of the self-made millionaire and take a look at what really counts...opportunity. Acknowledgement of Country By Natarsha 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 procrastinated a uni assignment so much that you end up buying a block of land instead? Today's Money Diarist has! But don't let this fool you, she is all hard work and savings savvy! In fact, so much so that her family have nicknamed her "Money Bags". Tune in to hear why. Acknowledgement of Country By Natarsha 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.

Happy first Friday of the year angels, we have SUCH an exciting year planned for you with She's On The Money! Join Victoria, Jess and Bec as they celebrate your money wins, talk broke tips and answer a Money Dilemma about sorting out your credit history. Plus, what do you and your partner do when it comes to birthday presents? You slid into our DMs this week about a boyfriend who gives zilch! You'll be unsurprised to hear that the gals have LOTS of feelings about this one. LinksThe National Debt Helpline Acknowledgement of Country By Natarsha 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 new year is the time when we take stock of what has passed us by, and is the perfect time to set achievable goals and intentions to help prepare and motivate us for the year to come. So today we are talking 5 ways to be a better investor in 2024. We also give you some things to think about to help spring clean your investment mindset! Acknowledgement of Country By Natarsha 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.

Happy new year! If you need a motivating story, this incredible Money Diarist is sure to be it. She came to Australia from Brazil 5 years ago as a student. Even though she worked around the clock on cruise ships, she only had $1000 in her pocket when she arrived. While studying, she hustled hard on air tasker, sacrificing and saving. She has finally made her way up the pay brackets and is making +180k a year working in mining! We can't wait for you to meet her.  Use the code Pod50 - for $50 off The Money Masterclass Acknowledgement of Country By Natarsha 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.

We cannot believe it is the last Friday of the year! Join us as we celebrate your money wins, Bec shares her broke tips, and we answer a Money Dilemma about getting started with shares. Plus, we all like to help out our friends when they need it, but what would you do if your friend was relying on you for money on the regular? You slid into our DMs about this very awkward issue! Check out Investing With She's On The Money   Acknowledgement of Country By Natarsha 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.

Are you one of the 74% of Australians making a new years resolution? This time of year we find ourselves more likely than ever to set fitness goals or focus on life changes. And while any time is a good time to reassess your financial goals, the beginning of a new year feels like a nice clean slate to set our new intentions on. That’s why today we’re taking top tips for kicking your new year finance goals! Acknowledgement of Country By Natarsha 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.

Today we bring you a very special episode for Christmas and arguably one of our favorites of the year, the Money Diaries that shook us in 2023! Join Victoria and our SOTM producer Annaliese as they share some amazing stories from this year in the ultimate celebration of our beautiful She's On The Money community. Acknowledgement of Country By Natarsha 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.

Merry Christmas angels! It's the Friday before Christmas and all through the SOTM house...we are celebrating your money wins, looking at some broke tips, and the gals answer a Money Dilemma about how to best funnel your savings. PLUS, you slid into our DMs about that family member who just wants cash when it comes to gift giving time. Is this awkward or practical? The gals have thoughts! Acknowledgement of Country By Natarsha 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.

We all love an end of year best of list, so today on the show join Victoria and Bec as they chat about the top 5 best savings accounts available right now! Victoria also shares valuable insights on the different types of savings accounts out there, how they work and everything you need to know to slay your new year savings goals!  Acknowledgement of Country By Natarsha 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 Money Diarist will knock your socks off! She grew up sharing a bedroom with her mum and two siblings. She even bought her first property by 18 and kept it a secret from her mother. But now at the tender age of 21 she own 3 properties, is married and has just given birth to a beautiful baby girl. Hers is a story of intensely hard work, drive and thriving.  Send us your Money Diary Acknowledgement of Country By Natarsha 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.

Are you strutting towards the Christmas break or stumbling? If you're anything like us it's a mix of both! The full team are back on deck this week to deck the halls and celebrate your money wins, share some savvy broke tips, AND answer a Money Dilemma about how best to make your Superannuation work harder for you. Plus, things got hot this week as you slid into our D.Ms about that friend who earns a good income, but is tight with money. Are they stingy, or are you being a judgmental friend? The gals have thoughts and feelings so don't miss it! Acknowledgement of Country By Natarsha 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 heard of a customer avatar, customer persona, or something similar? It’s where we create a fictional person who becomes the outline of our ideal customer. They are the exact person that you will be selling to, marketing to, and talking to in your business or side hustle. Join Victoria and Jess for this special Business Bible episode of She's On The Money because in this episode, they'll help you figure out the name, age, gender, and a whole fictional character that aligns with your business! Acknowledgement of Country By Natarsha 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.

Today's Money Diarist has endured huge loss. With the passing of both her nana and mum within a couple months of each other, she has come into some inheritance that allowed her to buy and apartment. She's had to restructure a lot about her life, future and finances and wants to share her complex story of grief and money. Send us your Money Diary Acknowledgement of Country By Natarsha 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.

It has been QUITE the week for the SOTM team! Join Bec and Jess for a hard earned Friday (get better soon Victoria!), as Jess shares your money wins, Bec brings some top notch broke tips. And this week we talk through the tricky situation of last minute wedding guest cancellations. Who should carry the cost when guests pull out one week before a destination wedding? There were feelings to be had! Acknowledgement of Country By Natarsha 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.

We know how daunting it can be to start your investment journey, and aside from your personal values, what are some of the green flags we should be looking out for that tell us a company is a good investment? From P/B and P/E ratios to IPOs and more, Victoria Devine shares her top tips for figuring out if a company might be the right place for you to invest your hard earned dosh! Acknowledgement of Country By Natarsha 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 Money Diarist grew up with domestic abuser as a father, and lived in a refuge with her mum and brothers for 8 months. Not only was she the first in her family to ever go to university, but now she has a bachelors and a masters degree and works her dream job as a teacher! She completed her masters while having a baby and we cannot wait to share her with you! Today's episode contains discussion of domestic abuse, if you or anyone you know needs support, here are some resources... 1800 RESPECT - online or call 1800 737 732 White Ribbon Australia Links SOTM Budget & Cashflow Masterclass - Get $50 off - CODE: POD50 Skye Wealth Acknowledgement of Country By Natarsha 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.

Celebrate Friday SOTM style as the gals share your money wins, dish up some broke tips and answer a Money Dilemma about whether you can have your cake and eat it to when it comes to saving for a trip and still enjoying the finer things day to day! Plus, if you're not feeling the cost of living creep right now, you my friend are one of the lucky few! You slid into DMs this week about managing this tough time, and also guilt around not being able to keep up charitable donations.  Acknowledgement of Country By Natarsha 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.

Did you know that Australians will spend a whopping $66.8 billion in the lead up to Christmas this year alone? On today's show we want to help you celebrate the season without breaking the bank! Join Victoria and Bec as they share some stats, tips and tricks for cheap, inexpensive, and sometimes free gift ideas to help you avoid going into debt this Christmas! Acknowledgement of Country By Natarsha 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 weeks beautiful money diarist will definitely restore your faith in humanity. After being financially abused by her parents for the first half of her life, and clawing her way out of $23,000 in debt, she now owns a home, and is the shared carer of her 16-year-old sister. This weeks money diarist, truly has one of the biggest hearts, you'll be inspired after listening to this one. Acknowledgement of Country By Natarsha 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.

We didn't know at the time of recording, but She's On The Money won Best Business Podcast at the 2023 Australian Awards! Yes, that means we beat Mark Bouris! We're also celebrating money wins, and Bec has another left of field broke tip to share. Then, the girls offer advice about approaching the conversation with your partner, about them contributing to your super while you're off on maternity leave, and whether it's even a fair question when there's a large pay disparity. Then, we help one of our beautiful community members, who has bills to pay, $300 that has disappeared, and a potentially deceitful friend. Acknowledgement of Country By Natarsha 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.

We have another bonus episode from our time in NYC! We're talking business with Jasmine Garnsworthy from Female Founder World. Jasmine is an Aussie living in New York, running her business which advocates, educates and highlights young women in entrepreneurship.  In this chat with V, Jasmine gives you tips to start your business, and grow it once it's found its feet. Acknowledgement of Country By Natarsha 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.

ABNs, taxes, bank accounts, it's the very unsexy side of setting up a business, however do it right the first time, and your future self will thank you! V and Jess outline how to register business, which one is right for you, and how to make tax time easy! Acknowledgement of Country By Natarsha 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 amazing money diarist, grew up believing that 'rich people' were inherently bad, this was a belief that was passed down from her parents. After building her own seven figure business, she grappled with her identity and how her parents would accept her, now that she was one of those 'rich people.' We can't wait for you to hear this one, and be inspired by her story! Acknowledgement of Country By Natarsha 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.

We are celebrating Friday, and yes, it's only November, but we are already getting excited for Christmas! Bec shares some broke tips, V has one of her own, and Jess has the community money wins! We've been INUNDATED with questions about housing and this week cover a question for first home buyers. Then, one of the juiciest DM's we have ever been sent which had the girls pretty unanimous on with their answers. Acknowledgement of Country By Natarsha 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.

It's that time of the year, where our email inbox gets flooded with promises of 'our biggest sale EVER!' Depending on how you approach this time of year, it could save you a lot of money, or potentially send you into debt. V and Bec chat the good and bad of Black Friday, and give you a foolproof plan to ensure you don't go broke this November! 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 amazing money diarist has overcome money anxiety he has held from his childhood after living on a farm through the drought. Now, he's building his dream life with his husband, working on the family farm, creating their own family farm, and accumulating up to $200k per year in side hustles! This money diarist proves that no matter what your relationship was with money, you can always change it to build a better life. Acknowledgement of Country By Natarsha 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.

Happy Friday from V, Bec and Bin Raccoon (Jess' new nickname). We have some great money wins and broke tips to share with you, that you can implement in your own life... especially the return and earn. Then the girls weigh in on Tik Tok financial advisors, and whether their advice about buying a property with your super, is legitimate advice. Plus, a DM about a partner jumping from get-rich-quick-scheme to get-rich-quick-scheme, which is beginning to put a financial strain on their shared financial goals. Acknowledgement of Country By Natarsha 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.

We are so excited to bring you a special episode from NYC! After receiving countless messages begging us to speak with Tori Dunlap from Her First 100k and the Financial Feminist, we managed to track her down! Tori is known for her no-nonsense authentic approach to helpign women, from all walks of life, become empowered to master their money and build a life that they love. She'll teach you how to advocate yourself to get your finances on track, and once that is sorted, most of everything else will fall into place. 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 gorgeous money diarist grew up feeling anxious about money. After her mum was in a financial pickle, she handed down some not so great money habits. Throw in ADHD and impulsive purchases, this money diarist has been working hard to change her money story, and she will teach you a superannuation hack which may change how your retire. Acknowledgement of Country By Natarsha 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 girls are finally reunited and things get silly, before they get REALLY spicy. For the first time in weeks V, Jess, and Bec all unite, to share some amazing money wins from you, and Bec shares some (teetering on illegal) broke tips. Then, Jess takes the reigns to help with this week's Money Dilemma, as to how best make your house deposit work for you, if you're not ready to buy just yet.  Plus one of the juiciest stories has found it's way into our DM's, and we have A LOT to say about it. Acknowledgement of Country By Natarsha 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.