Have you ever been offered financial help that sounds generous… but you're worried if it comes with strings attached. This week’s Friday Drinks dives into one of those emotionally loaded money decisions: whether to let your parents go guarantor so you can get into the property market sooner, when you’re already worried about boundaries and control. We unpack what a guarantor loan really means (and what it doesn’t), why the 20% deposit rule isn’t as rigid as people think, and how to weigh financial opportunity against mental health. Then we answer a dilemma from a community member that needs surgery that needs to be privately funded, so we put all her options on the table from taking the money out of super to upping her private health and even whether it's something you can get a loan for.... with the pros and cons to consider for each of course. Add in money wins, broke tips, and a very honest chat about how we actually manage work life balance, and this ep is the perfect mis clarity, validation, and plenty of Friday chaos.

Need the team’s take on your money dilemma? Send us a voicemail here.
Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here.

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.

Have you ever been offered financial help that sounds generous&hellip; but you're worried if it comes with strings attached. This week&rsquo;s Friday Drinks dives into one of those emotionally loaded money decisions: whether to let your parents go guarantor so you can get into the property market sooner, when you&rsquo;re already worried about boundaries and control. We unpack what a guarantor loan really means (and what it doesn&rsquo;t), why the 20% deposit rule isn&rsquo;t as rigid as people think, and how to weigh financial opportunity against mental health. Then we answer a dilemma from a community member that needs surgery that needs to be privately funded, so we put all her options on the table from taking the money out of super to upping her private health and even whether it's something you can get a loan for.... with the pros and cons to consider for each of course. Add in money wins, broke tips, and a very honest chat about how we actually manage work life balance, and this ep is the perfect mis clarity, validation, and plenty of Friday chaos.
Need the team&rsquo;s take on your money dilemma? Send us a voicemail <a href="https://www.shesonthemoney.com/podcast">here</a>. Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs <a href="https://www.instagram.com/shesonthemoneyaus?utm_source=ig_web_button_share_sheet&amp;igsh=ZDNlZDc0MzIxNw==">here</a>. 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.

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.

Is a Guarantor on a Property Loan a Smart Move? Plus, When Using Your Super Early Makes Sense

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/72e261a3-2772-477e-9ccd-b3e8000c1ba4/transcript