She's On The Money

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Riddle me this: why are people pleasers framed as the problem? Surely, we should be turning our focus back onto the boundary-pushers!

This week on Friday Drinks, we’re coming in hot. Join Victoria, Jess and Bec to discuss the community’s best Money Wins, Broke Tips, and a Question of the Week that starts off bookish, but quickly gets… wild? You’ll have to hear it to believe it. 

The gang also covers this week’s community dilemmas concerning Capital Gains Tax (CGT) on your primary residence, and a rather juicy DM from a bride-to-be...

Credit cards. Personal loans. Buy Now, Pay Later. Australians are in debt in a big way. But, there’s always a way out.

This Deep Dive is dedicated to helping you or someone you know eliminate debt and learn how to avoid it for good… and, all on a low income. Join Victoria for a special solo episode to firstly, shed the shame around borrowing money (by learning just how much everyone else has borrowed), then hear how to navigate your way out of debt using proven cashflow and budgeting tactics for low income earners. 

We’ll...

At 26, this week’s Money Diarist has nearly $40,000 invested, $46,000 in super and has just bought a six-bedroom home on 25 acres with her mum and younger brother.

There are horses. There are stables. There’s a riding arena. Honestly, she’s doing pretty well. But the interesting part of this story isn’t actually how much she’s managed to build. It’s how difficult it still feels to spend any of it. She grew up in a financially comfortable family until her parents separated when she was 10. Her father’s financial abuse left her mum working three jobs to keep lif...

Love means adoring someone even if you don’t share the same hobbies (or vaping habits

Earlier this year, SpaceX went public inspiring a suite of headlines and causing a stock market stir. If those words went right over your head, dw Victoria’s here to help break it down for you.

Join us for a special solo episode of Deep Dive, where V will walk you through why IPOs are in the media, what they are, and how to do your own research if you’re thinking about buying into one. 

From the importance of reviewing documentation to what the hell a prospectus is, Victoria explains why the SpaceX IPO is a...

Growing up, this week’s Money Diarist knew there was no money. She’s a First Nations woman who grew up surrounded by domestic violence, gambling, alcoholism and financial hardship. At nine, she escaped with her mum and brother, quite literally leaving with a backpack and hiding until it was safe to come home. She watched her mum rebuild from absolutely nothing. But while that showed her incredible resilience, it didn’t magically teach her how to manage money. She started working at 14 and spent every dollar she earned. At 19 she became pregnant, at 20 she became a mum, and by 22...

What do you mean someone wants to jeopardise your First Home Buyers eligibility without some sort of equity in return?!

This week’s Friday Drinks is filled with diabolical dilemmas and chats concerning guarantorships, LMCT petrol stations, and *checks notes* if kids should be Airtagged?

Join Victoria, Bec and Jess for car-heavy Broke Tips, Money Wins and a bunch of solid podcast rec’s. True crime, anyone?

ASK AN EXPERT: Chat to a professional mortgage broker about your eligibility for various grants, before signing anything. The Zella team is here and ready to help...

Some of us want to buy a house. Some of us wanna retire early. Some of us want a little more coin on the other side of our retirement. No matter what your financial goals are, here are our very best tips for making $100k by the time you turn 35. 

Join Victoria and Bec on the Deep Dive couch as they discuss how to tackle this goal in three parts: earning, spending and managing your money. Plus, some things you can do to ensure that there aren’t any leaks in your budget, or in your ongoing inc...

At 18, this week’s Money Diarist was approached at work by a man who told her she could make serious money at a club. Plot twist: it was a strip club.
She went from earning almost nothing to making hundreds of dollars an hour, and at one point tracked nearly $200,000 in cash earnings over a relatively short period. The problem? She was spending almost as quickly as she could earn it. Then life changed completely. She left the industry, became a mum in her early twenties and went from being fiercely financially independent to relying almost entirely on he...

Towards, away, or rotisserie-chicken style? It’s Friday Drinks time, and this week the gang are discussing all of the important issues; namely which direction they face in the shower.

Join Victoria, Jess and Bec for this week’s best Money Wins, Broke Tips and community dilemmas that you might find particularly useful if you’ve been sleeping on super. Hear from the gang about whether it’s most fruitful to salary sacrifice weekly or monthly and what to do if you find that you’ve got multiple super accounts. Come for the juicy superannuation tips, stay for a cont...

Chats about super are slipping by the wayside, so we’re running it back for all the baddies who are ready to salary sacrifice for their retirement. 

On this week’s Deep Dive, Bec and Victoria are discussing the power of your superannuation to completely transform your wealth today (as a lucrative tax vehicle) and well-into the future. The gang explains what superannuation is, how salary sacrificing works, and how you might work your wealth to better support your long-term investments.

Tune in to hear about the First Home Super Saver (FHSS), the relevant contribution caps...

At 27, this week’s Money Diarist has two STEM degrees, earns $140,000 a year, has $90,000 in super and owns a townhouse two kilometres from the beach. And no, there wasn’t a giant cheque from Mum and Dad hiding somewhere in the background. After becoming financially independent young and spending her uni years juggling study and work, she and her partner made buying a home one of their first big goals after graduating. They used the First Home Super Saver Scheme and First Home Guarantee to buy a $650,000 townhouse with a $40,000 deposit in 2024. Two years later, it’s estimated to be wor...

New intro, who dis? This week’s Friday Drinks is hosted by Victoria Devine, your favourite linen lover Jessica Ricci, and budding ceramicist Bec Syed.

During this episode, the gang will be bringing you the very best Money Wins, Broke Tips and polarising opinions of the week. They will be having a heated chat about superior sundae toppings and whether choc mint is ever a welcomed flavour sensation.

They’ll also be covering your Money Dilemmas concerning debt, and a mysterious deposit of *checks notes* $10k. Very saucy indeed. And we’re not just talking about...

Endo. Chronic injury. Mental illness diagnoses. Updates to genetic testing. Let’s talk about it. 

This episode comes at a time where the NDIS is being wound back for approx. 241,000 Australians. So, what does this mean if you are experiencing chronic illness, permanent injury or disability? And what financial support is in place to help you sustain a decent quality of life when government services are being pared back?

During this Deep Dive, we’ve invited friend of the pod, Phil from Skye Wealth to chat about the impact of chronic illness on our personal insur...

Sometimes the biggest financial setbacks have nothing to do with money. After migrating to Australia from Malaysia, she watched her family go from a comfortable life to starting over from scratch. Money wasn't something anyone talked about, especially the women in her family, so when she entered her first serious relationships, she had no idea what financial abuse or manipulation could look like.

By 28, she'd lost thousands, moved back in with her parents and felt like she was starting all over again.

But instead of staying there, she got curious.

She started learning...

Hypothetically, if you were offered a role abroad that you couldn’t refuse, but you’d finally saved enough for a house deposit, would you stick around and try to enter the property market or further your place in the career department?

This week on Friday Drinks, Victoria, Bec and Jess cover all the important topics: career aspirations, home ownership and relationships. 

We find out where the gang would travel to if they had $2k to drop on a holiday, plus Money Wins and Broke Tips from the community. Tune in if you’re looking for way...

Something we hear super often is, “How do I invest now, to prepare for a comfortable retirement later on?”. To which we say, “That depends…” 

In this week’s Deep Dive, Victoria and Bec unpack what you might need to invest each month to reach $1m by the time you reach retirement. Better than that, they’ll break it down by life stage so that there are relatable and actionable things to consider for you whether you’re in your 20s, 30s, 40s and beyond. 

Rather than simply telling you to earn or save more, or get bette...

Growing up, her mum believed in spending now and worrying later. Her dad was the complete opposite. He planned ahead, saved where he could, and quietly showed her what financial security could look like.

After her parents separated, everything changed.

By 14, she'd landed her first job and was handing over every pay cheque, believing it was going straight into savings. It wasn't. When she finally asked for the money back, there was barely anything left.

That moment shaped everything that came next.

She worked three jobs while studying full-time, bought her...

Join Victoria and Bec for this week’s edition of Friday Drinks, filled with Broke Tips, Money Wins and a Question of the Week which puts our shower routines in the spotlight.

As always, the crew will be answering your Money Dilemmas, this time concerning income-protection insurance and whether a community member is being medically gaslit by their workplace. 

They also chat about how one listener might invest their inheritance for the best outcome. Hear what it sounds like to be humbled by the community’s grooming habits, and give us crispy shower towels or give...

In favour of frivolity, we’ve given Victoria a week off from Deep Dive to bring you another acclaimed edition of Q&A with B&J! 

Bec and Jess are back to answer all of your fun community questions, including what reality TV shows they’d each do well at. (Give Jess the glass cake stand already!)

Tune in for a lighthearted episode with your two fave co-hosts covering casual yaps about fave weird flavour combos, things to consider if you’re thinking about leaving your 9-5 and what they’ve learned since working with SOTM. Vot...

This week's Money Diary starts with a sentence I don't think I've ever heard before.

"I think I accidentally became rich."

Growing up, money was something her family never really talked about. She was raised by a single mum, grew up on Centrelink, won a scholarship to a private school, and didn't realise just how little they had until she was much older.

Fast forward to today and she's 34, has more than $100,000 invested, over $218,000 in super, a full year's worth of expenses sitting in her emergency fund, and recently quit her full-time consulting...

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What do financial advisers actually do? Am I ready for financial advice? $10k has landed in my account, what do I do?!

On this week’s Deep Dive, Victoria invites friend-of-the-pod Daisy Egan, financial adviser with Everest Wealth to answer all of your pressing (and pure unhinged) financial questions. And sure, while some of them are normal and fine and reasonable, others verge on despicable. 

Come to learn about the largest portfolio size Daisy’s ever managed (Spoiler: there are many zeroes involved). Stay for the spicier q’s including: ‘I’m waiting for my nan to pass...

This week's Money Diary proves there isn't just one way to build wealth.

Growing up in a working-class family, she didn't inherit financial advice, a house deposit or a roadmap. So she made one herself.

From 18 to 25, she skipped renting altogether, house-sitting her way across Melbourne, looking after other people's homes and pets while quietly saving every dollar she could. It wasn't glamorous, but it helped her buy her first home on her own in her twenties.

Fast forward to today and she's 36, single, earns $177,000 a year, owns a home worth around $1.2 million...

Just when you think you’ve paid it down, debt has this pesky way of rearing its ugly head. But why?

It’s Friday Drinks time, and this week Victoria and Bec are taking on money dilemmas big and small. One community member questions where her tax return is best spent repaying her HECS debt or salary sacrificing into super. While another questions why she keeps finding herself in debt-y situations when she’s never missing a payment. 

Tune in if you’ve ever wanted to understand the psychology behind debt and how you might finally g...

Inflation highs, SpaceX selloffs and IPO rumours. Welcome to our first market update for the new financial year, where Victoria and Bec take a closer look at inflation, its impact on the stock market and what predictions we might have for FY27. 

If you feel a little overwhelmed by it all, we’ll be breaking down what various market indicators mean for your money, plus what to keep an eye on in the months to come. Tune in to hear how some of the more popular ETFs have performed as of June, and why the Great SpaceX Sel...

Growing up, home never really felt permanent. Her mum battled addiction, money was always tight, and by the time she was a teenager she'd already experienced more instability than most people do in a lifetime. When her mum passed away unexpectedly, there was no inheritance waiting for her. Just grief, unanswered questions and a decision to create a different future for herself.

Today, she's 32, works as a nurse, owns two properties, has just $40,000 left on the mortgage for her home, and is already planning the next investment. But what I loved most about this conversation wasn't the...

Who among us has spotted a friend who was skint? Who among us has *been* that friend? Okay, but what if the situation was more complex, and that friend is also tackling long term mental illness and physical disability?

On this week’s episode of Friday Drinks, Victoria, Bec and Jess discuss a spicy Money Dilemma concerning friendships and finances, specifically what happens when you’re financially supporting a friend and their money choices don’t align with your values. They also cover whether economic downturns are a good time to switch supers, and what you might look o...

Let’s talk about the elephant in the room: the financial decisions that are quietly killing your cashflow. Whether it’s a daily $8 iced oat latté or a late night snack that becomes a weekly tradition, it’s time we faced these innocuous transactions that are getting in the way of our money goals. Because while they may only seem like a few dollars here and there, they all add up.

On this week’s Deep Dive, Victoria and Bec unpack the psychology behind our sometimes questionable spending behaviours and how we might overcome them to better build our...

This week's Money Diary is for anyone who's ever felt like their relationship with money was shaped long before they earned their first paycheck.

Growing up, money was always part of the conversation in her house. But not in a good way.

She watched her mum give up career opportunities, financial independence and choices, while money was treated as something that belonged to someone else. And without realising it, she carried those lessons into adulthood. Spending became freedom. Saving felt impossible. And for years, she bounced between worrying about money and avoiding it altogether.

An inheritance? Slay. Inheriting shares but being prohibited from ever selling them? Err… help? This week, Victoria, Bec and Jess unpack Money Dilemmas and DMs galore. 

Our first stop: The difference between LICs and ETFs. Plus, a dread many of us know all too well; working at a job that literally sucks the life from you, while dreading the financial implications of leaving. 

Join us for another episode of Friday Drinks, where the gang covers burnout, pizza dimensions, and what we thought our lives would be like at 30. Like, did you also think you’d own a...

So they have a Cartier bracelet, but no emergency fund. Or they own a home… but have a $5k monthly mortgage. What actually makes someone rich versus what makes them wealthy?

This Deep Dive goes into some of Victoria and Bec’s earliest money memories to explore their first ideas of wealth and what it meant to be ‘rich’. They discuss clichéd wealth indicators from designer bags and luxury cars to who is allowed to be rich, whether there’s a difference to being wealthy and the realities of the upward comparison effect.

This episode is...

A few years ago, she thought she had it all figured out. The house. The fiancé. The wedding. The future she'd spent six years building with the person she thought she'd spend the rest of her life with. Then, on a random Tuesday morning, she got a text message. He was leaving. Just six months before their wedding.

What followed was a blur of heartbreak, a house sale, more than $30,000 in lost wedding deposits, and the very real task of rebuilding a life she never imagined she'd have to start over. But this isn't really a story a...

POV: You outearn your partner. Should you be contributing more to things like shared costs, savings and goals because your income is higher? Or is there a more equitable way to split things?

This week on Friday Drinks, Victoria, Bec and Jess discuss the ins and outs of relationship finances, especially when you have different attitudes towards money. From honest communication to the heavy money stories we carry, the gang explores how to build healthier financial behaviours while upholding the values of your partnership. 

Oh and we finally learn which of the Powerpuff Girls V, J...

GP appointments, vitamins, and not to mention the added snack budget; having a baby sounds expensive. So, we asked our very own VD just how much it cost her… with receipts.

This week’s Deep Dive episode unpacks the costs associated with having a baby in modern times. Victoria shares receipts and line items from weeks 4 till 40, with a trimester-by-trimester breakdown of exactly how much she spent, how far the Medicare rebates went and whether private health insurance provided enough coverage throughout.

If you’ve been thinking about family planning or simply wanted to compare notes...

Our diarist this week went from being a flat-broke uni student who could barely afford rent to paying off a $25,000 car loan on a graduate salary in less than a year. She built her emergency fund, started investing, got serious about her money and completely transformed her financial situation.

But now there's a new problem. Every time she spends money, she feels guilty.

We chat about moving away from home at 19, being the only person in her share house paying her own rent, paying off debt, building wealth in regional Australia, dating someone with four...

Happy 1,000th episode, friends! On his very special episode of She’s on the Money, we’re celebrating this huge milestone in true Friday Drinks fashion, complete with festive hats. 

Join Victoria, Bec and Jess for a stroll down memory lane. We’ll be sharing mic drop moments from the She’s on the Money socials, updates from a returned Money Diarist from season one, sharing our favourite things (which you can win via our socials!) and rewarding some very loyal contributors across our community. 

Plus, we’re releasing our final codeword for She’s Stashed the Ca...

Spoiler: Our goal-setting habits are broken. But, it’s not your fault. It’s the psychology we’re raised with.

It’s Deep Dive time! And this financial new year, Victoria and Jess are here to help you get out of your own way, so you can start ticking off those EOFY resolutions nice and early. How? By revisiting the psychology behind setting and sustaining financial goals for the year. 

During this episode, the girls share insights about how current approaches to budgeting, investing and general goal-setting might actually be limiting our capabilities, plus ways we might...

This week's Money Diary starts with what should have been a straightforward hospital visit.

Her husband was 32, healthy, active, and recovering from glandular fever when doctors spotted something completely unexpected on a scan. A few months later, they received the news nobody expects to hear: it was cancer. What followed was months of waiting, uncertainty and trying to keep life moving while living in limbo.

But there's another part of this story that really stuck with me. Just over a year earlier, after hearing countless conversations about money, they finally decided to sort out their...