You know it's Friday when the girls get together to unpack the week that was, celebrate your money wins AND dive headlong into a Money Dilemma all about spending addiction!

Plus this week, they unpack the implications of the announced merger of ANZ and Suncorp Banks. And, Jess has a BIG surprise for Victoria. What is it? You'll need to tune in to find out!

Here are some links we mention in today's show:

Victorian Power Saving Bonus

National Debt Helpline

She's On the Money Budget Template

Pre Order Victoria's New Book!



Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements.

The advice shared on She’s on The Money is general in nature and does not consider your individual circumstances. She’s on The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Victoria Devine and She's On The Money are Authorised Representatives of Infocus Securities Australia Proprietary Limited ABN 47 097 797 049 AFSL - AFSL 236523.

You know it's Friday when the girls get together to unpack the week that was, celebrate your money wins AND dive headlong into a Money Dilemma all about spending addiction!Plus this week, they unpack the implications of the announced merger of ANZ and Suncorp Banks. And, Jess has a BIG surprise for Victoria. What is it? You'll need to tune in to find out!Here are some links we mention in today's show:<a href="https://compare.energy.vic.gov.au/">Victorian Power Saving Bonus</a><a href="https://ndh.org.au/">National Debt Helpline</a><a href="https://www.shesonthemoney.com.au/downloads">She's On the Money Budget Template</a><a href="https://www.booktopia.com.au/investing-with-she-s-on-the-money-victoria-devine/book/9780143778769.html?bk_source=2390835&amp;bk_source_id=2390835&amp;irclickid=SGLS4jVAUxyIR76ySd2ebWAKUkDxXvwXCQmJx40&amp;irgwc=1&amp;utm_campaign=Zella&amp;utm_medium=affiliate&amp;utm_source=Impact">Pre Order Victoria's New Book!</a> Acknowledgement of Country By <a href="https://www.instagram.com/queenacknowledgements/?hl=en">Natarsha Bamblett aka 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. Victoria Devine and She's On The Money are Authorised Representatives of Infocus Securities Australia Proprietary Limited ABN 47 097 797 049 AFSL - AFSL 236523.

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.

FRIDAY DRINKS: Big Surprises, Bank Mergers & Spending Addiction!

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/ba45cc27-9ba5-472c-b6c8-af46003b26a9/transcript

If you’ve opened your investing app lately and immediately closed it again… this one’s for you.

The share market has been all over the place, headlines are talking about global uncertainty, and it’s very easy to feel like you should be doing something with your investments or your superannuation right now.

So let’s talk about it.

Victoria and Bec break down what’s actually driving the market movements, what’s behind the recent drops, and how global events are flowing through to Australia and your portfolio.

And more importantly… what to do next.

Because when the market dips, the instinct to panic, sell your investments, or switch your super to something “safer” can feel like the right move… but it’s often the most expensive one.

If you’ve been wondering what to do when the market drops, or feeling unsure about your investing strategy right now, this will help you make sense of it and feel a whole lot calmer about what comes next.

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.

If you&rsquo;ve opened your investing app lately and immediately closed it again&hellip; this one&rsquo;s for you.
The share market has been all over the place, headlines are talking about global uncertainty, and it&rsquo;s very easy to feel like you should be doing something with your investments or your superannuation right now.
So let&rsquo;s talk about it.
Victoria and Bec break down what&rsquo;s actually driving the market movements, what&rsquo;s behind the recent drops, and how global events are flowing through to Australia and your portfolio.
And more importantly&hellip; what to do next.
Because when the market dips, the instinct to panic, sell your investments, or switch your super to something &ldquo;safer&rdquo; can feel like the right move&hellip; but it&rsquo;s often the most expensive one.
If you&rsquo;ve been wondering what to do when the market drops, or feeling unsure about your investing strategy right now, this will help you make sense of it and feel a whole lot calmer about what comes next.
CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes <a href="https://www.shesonthemoney.com/investing">here</a>.&nbsp; INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place <a href="https://open.spotify.com/playlist/4vugnzBSU7V0CIU7zkeiN3?si=f557a59764ba433f">here</a>. SHARESIES CODE MENTIONED IN THE EP: Sign up for the investing platform <a href="https://sharesies.com.au/">Sharesies</a>, use the code SOTM10 and deposit any amount and Sharesies will give you a bonus $10 to invest.&nbsp;
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.

Should I Be Worried About My Money Right Now? What Global Uncertainty Actually Means for Your Portfolio

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/26538a48-c96e-47db-90ce-b4320034e55a/transcript

This week’s Money Diary is from a 31-year-old nurse who fell pregnant at 30… while single and working 70-hour weeks.

At the time, money wasn’t the problem. She was earning well, picking up shifts, saying yes to everything and just getting on with life. But there wasn’t much structure behind it. It was busy, but not necessarily intentional.

And then everything shifted.

Not because she didn’t have enough, but because she suddenly had a reason to think about money differently. To slow down, to plan, and to actually build something that could support her and her child.

This episode isn’t about starting from scratch. It’s about taking what you already have and learning how to use it properly. It’s about stepping into a new version of your life, ready or not, and figuring it out as you go.

It’s honest, it’s a little bit messy, and it’s a really powerful reminder that you don’t need everything perfectly mapped out to make it work.

Sometimes it’s not about earning more. It’s about getting intentional with what you’ve already got.

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 - 4451289

This week&rsquo;s Money Diary is from a 31-year-old nurse who fell pregnant at 30&hellip; while single and working 70-hour weeks.
At the time, money wasn&rsquo;t the problem. She was earning well, picking up shifts, saying yes to everything and just getting on with life. But there wasn&rsquo;t much structure behind it. It was busy, but not necessarily intentional.
And then everything shifted.
Not because she didn&rsquo;t have enough, but because she suddenly had a reason to think about money differently. To slow down, to plan, and to actually build something that could support her and her child.
This episode isn&rsquo;t about starting from scratch. It&rsquo;s about taking what you already have and learning how to use it properly. It&rsquo;s about stepping into a new version of your life, ready or not, and figuring it out as you go.
It&rsquo;s honest, it&rsquo;s a little bit messy, and it&rsquo;s a really powerful reminder that you don&rsquo;t need everything perfectly mapped out to make it work.
Sometimes it&rsquo;s not about earning more. It&rsquo;s about getting intentional with what you&rsquo;ve already got.
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&nbsp;<a href="https://bit.ly/4k3sM0d">here</a>.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust.&nbsp; CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes <a href="https://www.shesonthemoney.com/investing">here</a>. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place<a href="https://open.spotify.com/playlist/4vugnzBSU7V0CIU7zkeiN3?si=f557a59764ba433f"> 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 - 4451289

I Fell Pregnant at 30… While Single and Working 70-Hour Weeks

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/1f6cc537-beb4-4f44-8226-b42f002ade10/transcript

This week’s Friday Drinks starts off fun… and ends in absolute chaos. Because what do you do when you get headhunted and try to negotiate your salary, only for it to completely backfire? Job offer gone. Pay rise denied. And now you’re stuck wondering if being honest at work just worked against you. We definitely had some opinions.

As always, we also unpack a DM from someone in our community who found themselves in exactly that situation, and it opens up a bigger conversation about loyalty, transparency, and knowing your worth. Because in theory, you did everything ‘right’ but the outcome says otherwise.

Before we spiral (in a productive way), we also get into a Money Dilemma that feels very relatable if you’ve ever dipped your toe into investing. What happens when you realise you might be doubling up on ETFs? Same underlying investments, different funds, and suddenly you’re questioning everything. We break down what’s actually going on there, what “hedged” really means, and whether this is something you need to fix or just part of the learning curve.

There’s also the usual Friday Drinks chaos. Jess shares Money Wins that prove the small things really do add up, Bec’s got Broke Tips that are equal parts clever and questionable, and a conversation about what we’d all do if money genuinely didn’t matter, which tells you more about us than it probably should.

If you’ve ever second-guessed a money decision, questioned your job, or wondered if you played something wrong, this one’s going to feel all too familiar.

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

This week&rsquo;s Friday Drinks starts off fun&hellip; and ends in absolute chaos. Because what do you do when you get headhunted and try to negotiate your salary, only for it to completely backfire? Job offer gone. Pay rise denied. And now you&rsquo;re stuck wondering if being honest at work just worked against you. We definitely had some opinions. As always, we also unpack a DM from someone in our community who found themselves in exactly that situation, and it opens up a bigger conversation about loyalty, transparency, and knowing your worth. Because in theory, you did everything &lsquo;right&rsquo; but the outcome says otherwise. Before we spiral (in a productive way), we also get into a Money Dilemma that feels very relatable if you&rsquo;ve ever dipped your toe into investing. What happens when you realise you might be doubling up on ETFs? Same underlying investments, different funds, and suddenly you&rsquo;re questioning everything. We break down what&rsquo;s actually going on there, what &ldquo;hedged&rdquo; really means, and whether this is something you need to fix or just part of the learning curve. There&rsquo;s also the usual Friday Drinks chaos. Jess shares Money Wins that prove the small things really do add up, Bec&rsquo;s got Broke Tips that are equal parts clever and questionable, and a conversation about what we&rsquo;d all do if money genuinely didn&rsquo;t matter, which tells you more about us than it probably should. If you&rsquo;ve ever second-guessed a money decision, questioned your job, or wondered if you played something wrong, this one&rsquo;s going to feel all too familiar.
NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money <a href="https://www.shesonthemoney.com/money-personality-quiz?mcp_token=eyJwaWQiOjE3NDE2MTksInNpZCI6MTExMzUwNDI1NCwiYXgiOiIwMTk3OGM1ODNlOTEzYmViMTAxMWY1YjFlMWY5MjNjOCIsInRzIjoxNzcwMDk3MjE4LCJleHAiOjE3NzI1MTY0MTh9.Be_IO9rYt0BR6_EhDLebVOC4ZFkgugLU5SshgEWM2nc">here</a>.&nbsp;
Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. <a href="https://open.spotify.com/playlist/2XuYW23Cy9Gh1HdAqj6LwL?si=55725bce84b44cf8">Listen here</a>.
Join our 400K+ She's on the Money community in our <a href="https://www.facebook.com/groups/ShesontheMoneyAUS/">Facebook Group</a> and on <a href="https://www.instagram.com/shesonthemoneyaus/">Instagram</a>.&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

Salary Negotiation Gone Wrong + Are You Investing in the Same ETF Twice?

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/1e2bd4f3-f640-4f7e-8250-b42e0050337a/transcript

FRIDAY DRINKS: Big Surprises, Bank Mergers & Spending Addiction!

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