Apparently, saving for a house deposit now means saying goodbye to dinners with your friends, takeaway and basically anything that makes your twenties fun. But does it actually have to be that way?

This week, we're helping a 29-year-old who's earning a decent salary, living alone and feeling like she's doing everything wrong with money. Between rent, groceries and trying to maintain a social life, there's barely anything left to save. She's tried being incredibly strict with her budget, but ended up miserable and giving up altogether. So how do you save for your future without feeling like you're sacrificing your entire present?

Plus, with everyone talking about the AI bubble, one listener wants to know whether her superannuation could be caught up in the hype. Could an AI crash affect her retirement savings? And can you actually choose to keep AI investments out of your super?

And because it's our Halloween Friday Drinks, we're also getting a little spooky. We're debating which of us would make the worst serial killer, sharing some surprisingly morbid family history, celebrating your Money Wins and finding some genuinely clever ways to save money.

Grab a drink, friends. We're talking financial fears, questionable budgeting habits and a few things that might actually keep you up at night.

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.

Apparently, saving for a house deposit now means saying goodbye to dinners with your friends, takeaway and basically anything that makes your twenties fun. But does it actually have to be that way?
This week, we're helping a 29-year-old who's earning a decent salary, living alone and feeling like she's doing everything wrong with money. Between rent, groceries and trying to maintain a social life, there's barely anything left to save. She's tried being incredibly strict with her budget, but ended up miserable and giving up altogether. So how do you save for your future without feeling like you're sacrificing your entire present?
Plus, with everyone talking about the AI bubble, one listener wants to know whether her superannuation could be caught up in the hype. Could an AI crash affect her retirement savings? And can you actually choose to keep AI investments out of your super?
And because it's our Halloween Friday Drinks, we're also getting a little spooky. We're debating which of us would make the worst serial killer, sharing some surprisingly morbid family history, celebrating your Money Wins and finding some genuinely clever ways to save money.
Grab a drink, friends. We're talking financial fears, questionable budgeting habits and a few things that might actually keep you up at night.
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.

Do I Have to Give Up My Social Life to Buy a House? + Is AI Putting My Super at Risk?

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/4ac1b775-10e9-412c-ab1d-b4d000470d23/transcript