Imagine being 19 years old, earning $140,000 a year and feeling absolutely terrified every time you think about money. Sounds like a pretty good problem to have, right? Except when you're so overwhelmed by the responsibility of making the right decisions that you don't know where to start. It might sound unrelatable, but it's a conversation we can all learn from. 

This week, we're helping a young woman who's earning more than most people twice her age but is struggling with serious money anxiety. She wants to set herself up financially, especially knowing she might not want to stay in her current job forever. So how do you stop being scared of money and start feeling confident about what to do with it?

Plus, a 31-year-old has finally checked her superannuation balance and realised it's much lower than she expected. After years of travelling, studying and working casually, she's worried she's fallen behind. Should she switch to a high-growth investment option to catch up, or is taking on more risk just asking for trouble? We're talking risk profiles, salary sacrificing and why being 31 doesn't mean you've missed your chance to build a comfortable retirement.

And because it's Friday Drinks, we're also celebrating some seriously impressive Money Wins, sharing Broke Tips that could save you a small fortune and debating which fictional universe we'd actually survive in. Apparently, some of us are heading to Whoville and others have much more questionable plans.

Grab a drink, friends. We're talking money fears, financial futures and why getting your finances together doesn't have to mean having everything figured out.

BREAK FREE: Ditch the Buy Now, Pay Later (BNPL) cycle for good. Here’s a blog to give your debt a run for its money. Search  ‘BNPL’ at shesonthemoney.com/blog/

DEBT HACKS: Need a hand? Check out our article on avoiding and abolishing debt on the blog. Search ‘abolish debt’ shesonthemoney.com/blog/

YOUR MONEY PERSONALITY: Wanna buy a horse, but aren’t sure if it’s the right decision for you? Complete our Money Personality Quiz to figure out what actually matters to you over here: shesonthemoney.com/money-personality-quiz


New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. 

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com).

The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708,  AFSL - 4451289.

Imagine being 19 years old, earning $140,000 a year and feeling absolutely terrified every time you think about money. Sounds like a pretty good problem to have, right? Except when you're so overwhelmed by the responsibility of making the right decisions that you don't know where to start. It might sound unrelatable, but it's a conversation we can all learn from.&nbsp;
This week, we're helping a young woman who's earning more than most people twice her age but is struggling with serious money anxiety. She wants to set herself up financially, especially knowing she might not want to stay in her current job forever. So how do you stop being scared of money and start feeling confident about what to do with it?
Plus, a 31-year-old has finally checked her superannuation balance and realised it's much lower than she expected. After years of travelling, studying and working casually, she's worried she's fallen behind. Should she switch to a high-growth investment option to catch up, or is taking on more risk just asking for trouble? We're talking risk profiles, salary sacrificing and why being 31 doesn't mean you've missed your chance to build a comfortable retirement.
And because it's Friday Drinks, we're also celebrating some seriously impressive Money Wins, sharing Broke Tips that could save you a small fortune and debating which fictional universe we'd actually survive in. Apparently, some of us are heading to Whoville and others have much more questionable plans.
Grab a drink, friends. We're talking money fears, financial futures and why getting your finances together doesn't have to mean having everything figured out.
BREAK FREE: Ditch the Buy Now, Pay Later (BNPL) cycle for good. Here&rsquo;s a <a href="https://www.shesonthemoney.com/blog/break-free-why-you-deserve-to-escape-the-buy-now-pay-later-cycle">blog</a> to give your debt a run for its money. Search&nbsp; &lsquo;BNPL&rsquo; at <a href="http://shesonthemoney.com/blog/">shesonthemoney.com/blog/</a>
DEBT HACKS: Need a hand? Check out our <a href="https://www.shesonthemoney.com/blog/quick-hacks-to-help-you-avoid-amp-abolish-debt">article</a> on avoiding and abolishing debt on the blog. Search &lsquo;abolish debt&rsquo; <a href="http://shesonthemoney.com/blog">shesonthemoney.com/blog</a>/
YOUR MONEY PERSONALITY: Wanna buy a horse, but aren&rsquo;t sure if it&rsquo;s the right decision for you? Complete our <a href="https://www.shesonthemoney.com/money-personality-quiz">Money Personality Quiz</a> to figure out what actually matters to you over here: <a href="http://shesonthemoney.com/money-personality-quiz">shesonthemoney.com/money-personality-quiz </a>
New here? Follow us on Instagram (@shesonthemoneyaus) for Q&amp;As, bite-sized advice, daily money inspo... and relatable money memes that just get you.&nbsp;
Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com).
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708,&nbsp; AFSL - 4451289.

Australia’s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance. 

It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.  

Australia&rsquo;s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance.&nbsp;
It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.&nbsp;&nbsp;

Empowering you to take control of your finances, one relatable, brunch-worthy chat at a time.

She's On The Money

Australia’s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance. 

It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.

Australia&rsquo;s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance.&nbsp;
It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.

She's 19, Earning $140K and Terrified of Money + Are You Behind on Super?

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/12642b9b-bce1-4622-8996-b4d500a2baab/transcript