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.

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...
<ul>
<li>1800 RESPECT - <a href="https://www.1800respect.org.au/?utm_source=Google+Hotline+DV+One+Box&amp;utm_medium=search&amp;utm_campaign=DV+One+Box&amp;utm_id=GHOB&amp;utm_term=domestic+violence">online</a> or call 1800 737 732</li>
<li><a href="https://www.whiteribbon.org.au/helplines/">White Ribbon Australia</a></li>
</ul>
Links
<ul>
<li>SOTM Budget &amp; Cashflow Masterclass - <a href="https://www.shesonthemoney.com.au/the-money-masterclass">Get $50 off - CODE: POD50</a></li>
<li><a href="https://www.skye.com.au/contact">Skye Wealth</a></li>
</ul>
Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs.  Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708,  AFSL - 451289.

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

Millennial money expert Victoria Devine shares her foolproof tips for financial freedom.

A Journey to Safety and Security

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/13c32d7d-c3e3-46ca-a9a3-b0ca0177871c/transcript

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 seperation

EVEN MORE MONEY AND RELATIONSHIPS EPISODES: How to Combine Finances playlist

FREEBIE: 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.

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&hellip; and how to protect yourself (while still building a life together). To do that, we&rsquo;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&rsquo;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&rsquo;t hold up legally 💸What &ldquo;setting yourself up&rdquo; 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 &amp; Rogers, you can find out more about her <a href="https://www.landers.com.au/our-people/claire-walczak">here</a>.&nbsp; FREE DOWNLOAD MENTIONED IN THIS EP: <a href="https://www.shesonthemoney.com/s/SOTM-DivorceSeparationGuide.pdf">How to prepare for divorce and seperation</a> EVEN MORE MONEY AND RELATIONSHIPS EPISODES:&nbsp;<a href="https://open.spotify.com/playlist/4AJP5rPZmTf9IvKoLFeQou?si=693278a717704819">How to Combine Finances playlist</a> FREEBIE: Find our SOTM Money Date Checklist for both couples and singles <a href="https://www.shesonthemoney.com/download-resources">here</a>.
Join our&nbsp;<a href="https://www.facebook.com/groups/ShesontheMoneyAUS/" data-stringify-link="https://www.facebook.com/groups/ShesontheMoneyAUS/" data-sk="tooltip_parent" data-auth="NotApplicable">Facebook Group</a>&nbsp;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&nbsp;<a href="https://www.instagram.com/shesonthemoneyaus/" data-stringify-link="https://www.instagram.com/shesonthemoneyaus/" data-sk="tooltip_parent" data-auth="NotApplicable">Instagram</a>&nbsp;for Q&amp;As, bite-sized tips, daily money inspo... and relatable money memes that&nbsp;just&nbsp;get you. Acknowledgement of Country By Nartarsha Bamblett aka&nbsp;<a href="https://www.queenacknowledgements.com/" data-stringify-link="https://www.queenacknowledgements.com/" data-sk="tooltip_parent" data-auth="NotApplicable">Queen Acknowledgements.</a>
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.

What a Family Lawyer Wishes Every Woman Knew About Money and Relationships

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/cf44d40a-5793-49cb-a925-b3d101773d8f/transcript

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.

If you&rsquo;ve ever looked at your debt and thought how did I even get here, this one&rsquo;s for you. Because that&rsquo;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&rsquo;re just meant to do as you build a life.&nbsp;Until one day she zoomed out and realised a life in debt wasn&rsquo;t what she wanted for her family.&nbsp;Once she started learning how money actually works, everything shifted. She wasn&rsquo;t bad with money like she&rsquo;d always thought. She&rsquo;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 <a href="https://www.skye.com.au/shesonthemoney">here</a>. We have a long sttanding referal patnership with Skye Wealth and only ever partner with people we trust.&nbsp; GET VICTORIA'S BUDGETING SYSTEM: Build a money system that actually works for you <a href="https://www.shesonthemoney.com/the-money-masterclass">here</a>.&nbsp; FREE MONEY TOOLS YOU'LL LOVE: All our best free resources in the one place <a href="https://www.shesonthemoney.com/blog/free-finance-resources">here</a>.
Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. <a href="https://open.spotify.com/playlist/7qaEnq5V4eWeYr2VmC3F6R?si=b6543c418c2c4c8a">Listen now</a>
Join our <a href="https://www.facebook.com/groups/ShesontheMoneyAUS/">Facebook Group</a> AKA&nbsp;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 <a href="https://www.instagram.com/shesonthemoneyaus/">Instagram</a> for Q&amp;As, bite-sized&nbsp;tips, daily money inspo... and relatable money memes that just get you.&nbsp;
Acknowledgement of Country By Nartarsha Bamblett aka <a href="https://www.queenacknowledgements.com/">Queen Acknowledgements.</a>
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs.&nbsp; Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, &nbsp;AFSL - 451289.

The $60k Debt Wake-Up Call That Changed Everything

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/56ef8ddd-9461-4842-b6b1-b3d101771921/transcript

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 Flow
LISTEN TO EP 2: Managing Debt

VISIT 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.

Saving money is one of those things we&rsquo;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: <a href="https://open.spotify.com/episode/68pV9K8txpdWpwVDG0txYm?si=4d2a42466f364edd">Budgeting and Cash Flow</a> LISTEN TO EP 2: <a href="https://open.spotify.com/episode/0up5IU79OjVpLR5Z6ne9QA?si=cd2d618632564b2a">Managing Debt</a> VISIT OUR BUDGET AND DEBT HUB:&nbsp;All our budget and debt rescources are <a href="https://www.shesonthemoney.com/budgeting-and-debt">here</a>.&nbsp; FREEBIES: All our best free money resources in the one place <a href="https://www.shesonthemoney.com/blog/free-finance-resources">here</a>.
Join our&nbsp;<a href="https://www.facebook.com/groups/ShesontheMoneyAUS/" data-stringify-link="https://www.facebook.com/groups/ShesontheMoneyAUS/" data-sk="tooltip_parent" data-auth="NotApplicable">Facebook Group</a>&nbsp;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&nbsp;<a href="https://www.instagram.com/shesonthemoneyaus/" data-stringify-link="https://www.instagram.com/shesonthemoneyaus/" data-sk="tooltip_parent" data-auth="NotApplicable">Instagram</a>&nbsp;for Q&amp;As, bite-sized tips, daily money inspo... and relatable money memes that&nbsp;just&nbsp;get you. Acknowledgement of Country By Nartarsha Bamblett aka&nbsp;<a href="https://www.queenacknowledgements.com/" data-stringify-link="https://www.queenacknowledgements.com/" data-sk="tooltip_parent" data-auth="NotApplicable">Queen Acknowledgements.</a>
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.

Summer Starter Series: Making Saving Easier 

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/56a9af12-540a-4f48-8454-b3bc006393c4/transcript

A Journey to Safety and Security

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