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 better at budgeting, the team shares considerations around things like investing habits, superannuation, and salary sacrificing that scale with the characteristics of your assets. 

Rather than rushing in or feeling left out, this episode is about reframing your approach to investing over a lifetime.

GET YOUR FREE INVESTING CHEAT SHEET: It’s yours for the taking over at https://www.shesonthemoney.com/download-resources

HIGH-INTEREST SAVINGS ACCOUNTS: We’ve compiled a list of some of Australia’s most competitive high=interest savings accounts over on the blog. Search ‘high-interest’ at www.shesonthemoney.com/blog 

TUNE IN, TURN UP THE DIVIDENDS: Stream our investing playlist over at https://open.spotify.com/playlist/7iWOxtjWXFzTMLU6mtru2I

BROOKE'S FIRE PLAN: Learn how SOTM team member Brooke is investing to retire before 35, over at https://www.youtube.com/watch?v=NsuXtMcFLM8

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 (nartarshabamblett.com.au)

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

Something we hear super often is, &ldquo;How do I invest now, to prepare for a comfortable retirement later on?&rdquo;. To which we say, &ldquo;That depends&hellip;&rdquo;&nbsp;
 In this week&rsquo;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&rsquo;ll break it down by life stage so that there are relatable and actionable things to consider for you whether you&rsquo;re in your 20s, 30s, 40s and beyond.&nbsp;
Rather than simply telling you to earn or save more, or get better at budgeting, the team shares considerations around things like investing habits, superannuation, and salary sacrificing that scale with the characteristics of your assets.&nbsp;
Rather than rushing in or feeling left out, this episode is about reframing your approach to investing over a lifetime.
GET YOUR FREE INVESTING CHEAT SHEET: It&rsquo;s yours for the taking over at https://www.shesonthemoney.com/download-resources
HIGH-INTEREST SAVINGS ACCOUNTS: We&rsquo;ve compiled a list of some of Australia&rsquo;s most competitive high=interest savings accounts over on the blog. Search &lsquo;high-interest&rsquo; at www.shesonthemoney.com/blog&nbsp;
TUNE IN, TURN UP THE DIVIDENDS: Stream our investing playlist over at https://open.spotify.com/playlist/7iWOxtjWXFzTMLU6mtru2I
BROOKE'S FIRE PLAN: Learn how SOTM team member Brooke is investing to retire before 35, over at https://www.youtube.com/watch?v=NsuXtMcFLM8
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 (nartarshabamblett.com.au)
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.

Investing in your 20s, 30s, and 40s: Tips for Each Lifestage

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/1aaffe32-8e59-40df-8f25-b49c00b67b22/transcript

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 first home on her own, met her now husband, and together they've built the life they'd always dreamed of. Today they're raising two little girls in their forever home on acreage, growing their investments and already thinking about the money lessons they'll pass on to the next generation.

We chat about growing up between two completely different money mindsets, buying a home solo in your twenties, building wealth as a family, finding a partner who champions your financial goals, and why sometimes the biggest gift a parent gives you isn't money. It's showing you the kind of person you want to become.

This conversation is equal parts heartbreaking, hopeful and incredibly empowering. And honestly? You're going to fall a little bit in love with her dad.
Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au)

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

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 first home on her own, met her now husband, and together they've built the life they'd always dreamed of. Today they're raising two little girls in their forever home on acreage, growing their investments and already thinking about the money lessons they'll pass on to the next generation.
We chat about growing up between two completely different money mindsets, buying a home solo in your twenties, building wealth as a family, finding a partner who champions your financial goals, and why sometimes the biggest gift a parent gives you isn't money. It's showing you the kind of person you want to become.
This conversation is equal parts heartbreaking, hopeful and incredibly empowering. And honestly? You're going to fall a little bit in love with her dad. Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au)
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

My Mum Spent My Savings. It Changed the Way I Think About Money Forever.

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/8bf85417-fa18-45c6-8169-b49d002311e3/transcript

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 us death.

CHAT TO SKYE WEALTH: Get a second opinion when it comes to your personal insurances over at www.skye.com.au/shesonthemoney

TUNE INTO OUR INSURANCE PLAYLIST: Run it back with episodes dedicated to insurance. Search ‘How to choose the right insurance’ on Spotify.

CRAVING MORE FRIDAY DRINKS INSPO? Look no further, we’ve made an entire playlist just 

for you. Search ‘Friday drinks motivation’ on Spotify.

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 (nartarshabamblett.com.au)

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

 

Join Victoria and Bec for this week&rsquo;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.&nbsp;
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&rsquo;s grooming habits, and give us crispy shower towels or give us death.
CHAT TO SKYE WEALTH: <a href="https://www.skye.com.au/shesonthemoney">Get a second opinion</a> when it comes to your personal insurances over at <a href="http://www.skye.com.au/shesonthemoney">www.skye.com.au/shesonthemoney</a>
TUNE INTO OUR INSURANCE PLAYLIST: Run it back with <a href="https://open.spotify.com/user/31qigl5jfypgtsuflohale74upsm/playlists">episodes</a> dedicated to insurance. Search &lsquo;How to choose the right insurance&rsquo; on Spotify.
CRAVING MORE FRIDAY DRINKS INSPO? Look no further, we&rsquo;ve made an entire <a href="https://open.spotify.com/playlist/2XuYW23Cy9Gh1HdAqj6LwL">playlist</a> just&nbsp;
for you. Search &lsquo;Friday drinks motivation&rsquo; on Spotify.
New here? Follow us on Instagram (<a href="https://www.instagram.com/shesonthemoneyaus/">@shesonthemoneyaus</a>) 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 (<a href="http://nartarshabamblett.com.au">nartarshabamblett.com.au</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,&nbsp; AFSL - 4451289
&nbsp;

Am I Being Medically Gaslit? And How Do I Invest My Inheritance?

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/37fd24e7-3599-4040-9d0a-b497001d007c/transcript

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. Vote Bec for Big Brother 2027.

B&J’s POD CAMEO LIST: Science Vs, Betrayal Weekly, Everyone Has An Ex, Diary of a CEO.

BEAN SOUP THEORY: ICYMI, here’s some TikTok lore about the Bean Soupification of the internet and how what-about-me-isms are making the internet homogenous. https://www.tiktok.com/@skylermapes/video/7568181892260941087

LIKE WHAT YOU HEAR? Here’s another ep brought to you by Bec & Jess. Search Building the Dream’ wherever you get your podcasts.

SHOUTOUT TO BERNIE’S: Fitzroy North represent. This is the queer bar mentioned in the pod, or search for Bernie’s Fitzroy North if you’re in Naarm.

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 (nartarshabamblett.com.au)

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

 

In favour of frivolity, we&rsquo;ve given Victoria a week off from Deep Dive to bring you another acclaimed edition of Q&amp;A with B&amp;J!&nbsp;
Bec and Jess are back to answer all of your fun community questions, including what reality TV shows they&rsquo;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&rsquo;re thinking about leaving your 9-5 and what they&rsquo;ve learned since working with SOTM. Vote Bec for Big Brother 2027.
B&amp;J&rsquo;s POD CAMEO LIST: <a href="https://open.spotify.com/show/5lY4b5PGOvMuOYOjOVEcb9?si=4b323fdef64e4259">Science Vs</a>, <a href="https://podcasts.apple.com/au/podcast/betrayal-weekly/id1615637724">Betrayal Weekly</a>, <a href="https://open.spotify.com/show/0yN6MO6vIY5QBgg54XopPJ?si=876832f921954b6f">Everyone Has An Ex</a>, <a href="https://open.spotify.com/show/7iQXmUT7XGuZSzAMjoNWlX?si=4b889cb25c5e4374">Diary of a CEO</a>.
BEAN SOUP THEORY: ICYMI, here&rsquo;s some TikTok <a href="https://www.tiktok.com/@skylermapes/video/7568181892260941087?is_from_webapp=1&amp;sender_device=pc&amp;web_id=7322281880114595330">lore</a> about the Bean Soupification of the internet and how what-about-me-isms are making the internet homogenous. <a href="https://www.tiktok.com/@skylermapes/video/7568181892260941087">https://www.tiktok.com/@skylermapes/video/7568181892260941087</a>
LIKE WHAT YOU HEAR? Here&rsquo;s <a href="https://open.spotify.com/episode/5n9slXXKPrYoK8kHHt0dhQ?si=33d654fbd147478b">another ep</a> brought to you by Bec &amp; Jess. Search Building the Dream&rsquo; wherever you get your podcasts.
SHOUTOUT TO BERNIE&rsquo;S: Fitzroy North represent. This is <a href="https://www.broadsheet.com.au/melbourne/fitzroy-north/bars/bernie-s">the queer bar</a> mentioned in the pod, or search for Bernie&rsquo;s Fitzroy North if you&rsquo;re in Naarm.
New here? Follow us on Instagram (<a href="https://www.instagram.com/shesonthemoneyaus/">@shesonthemoneyaus</a>) 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 (<a href="http://nartarshabamblett.com.au">nartarshabamblett.com.au</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,&nbsp; AFSL - 4451289
&nbsp;

'Have Courage. Be Kind': It's a Q&A with B&J Special

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/65f68240-866d-42ff-bad2-b497001cb660/transcript

Investing in your 20s, 30s, and 40s: Tips for Each Lifestage

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