HELLO ANGELS and happy Monday! This week's diary is an epic one from a hustling young lawyer who's throwing the narrative that millennials can't buy property right in the bin. We adored our chat with her, and just know you're going to as well!

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 is an Authorised Representative of Infocus Securities Australia Proprietary Limited ABN 47 097 797 049 AFSL - AFSL 236523.

This year our Money Diaries are being brought to you by the legends at Shopback! Check them out at https://app.shopback.com/aus/partner/SOTM and you'll get a cashback bonus when you sign up!

HELLO ANGELS and happy Monday! This week's diary is an epic one from a hustling young lawyer who's throwing the narrative that millennials can't buy property right in the bin. We adored our chat with her, and just know you're going to as well!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 is an Authorised Representative of Infocus Securities Australia Proprietary Limited ABN 47 097 797 049 AFSL - AFSL 236523.This year our Money Diaries are being brought to you by the legends at Shopback! Check them out at <a href="https://app.shopback.com/aus/partner/SOTM">https://app.shopback.com/aus/partner/SOTM</a> and you'll get a cashback bonus when you sign up!

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.

MONEY DIARIES: 25, a lawyer and has bought three properties with no guarantor

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/029fe694-f7d8-4462-b14b-af4600497e3a/transcript

So you can be overinsured and you can be underinsured, but can you ever just be insured enough in your super? 

‘10 Things I Hate About You’ jokes aside, we yapped about insurance with friend of the pod Phil Thompson from Skye Wealth. Join us on the Deep Dive couch as we unpack a couple of case studies to demonstrate what it might look like to be overinsured, plus how an underinsured person might get sufficient cover, followed by a quickfire round of questions from our She’s on the Money community.

Tune in if you’ve ever wondered: what percentage of your income should be spent on insurance, if the coverage in your superannuation is enough to see you through, or if you’ll still be covered with ADHD. Relatable, tbh. Self-employed, unemployed, or in your 40s, Phil’s got an A for so many of your Qs. 

SORT YOUR INSURANCE: Thanks once again to our partners Skye Wealth for bringing this episode to your feed. If you're ready to chat to a professional about your insurance, we have a long standing referral partnership with Skye Wealth and only ever partner with people we trust.

EVEN MORE EPISODES: Listen to our insurance playlist here.
Join our Facebook Group (Search for: ShesontheMoneyAUS) 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+.
Follow us on Instagram @shesonthemoneyaus 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 (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 - 451289.

So you can be overinsured and you can be underinsured, but can you ever just be insured enough in your super?&nbsp;
&lsquo;10 Things I Hate About You&rsquo; jokes aside, we yapped about insurance with friend of the pod Phil Thompson from <a href="https://www.skye.com.au/shesonthemoney">Skye Wealth</a>. Join us on the Deep Dive couch as we unpack a couple of case studies to demonstrate what it might look like to be overinsured, plus how an underinsured person might get sufficient cover, followed by a quickfire round of questions from our She&rsquo;s on the Money community.
Tune in if you&rsquo;ve ever wondered: what percentage of your income should be spent on insurance, if the coverage in your superannuation is enough to see you through, or if you&rsquo;ll still be covered with ADHD. Relatable, tbh. Self-employed, unemployed, or in your 40s, Phil&rsquo;s got an A for so many of your Qs.&nbsp;
SORT YOUR INSURANCE: Thanks once again to our partners <a href="https://www.skye.com.au/shesonthemoney">Skye Wealth</a> for bringing this episode to your feed. If you're ready to chat to a professional about your insurance, we have a long standing referral partnership with Skye Wealth and only ever partner with people we trust.
EVEN MORE EPISODES: Listen to our insurance playlist here. Join our Facebook Group (Search for: ShesontheMoneyAUS) 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+. Follow us on Instagram @shesonthemoneyaus for Q&amp;As, bite-sized tips, 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 - 451289.

‘Is The Cover In Your Super Enough?’ And Other Quickfire Insurance Questions With Skye Wealth

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/b1789953-3134-40f2-95ae-b4550092daa1/transcript

A little heads up before you press play: this episode contains conversations about financial abuse and coercive control. It’s an incredibly important conversation, but please look after yourself while listening.

This week’s Money Diary is raw in a way I don’t think I was fully prepared for.

At 21, she fell in love with an older man and slowly built a life around him. Over time, she gave up uni, stopped working, helped raise his children, and handed over control of her finances without really realising how much of herself she was losing in the process.

What started as “he’s just better with money” slowly became something much darker.

By the end of the relationship, she was working unpaid for his business, questioning her own worth constantly, and living in a situation so controlling that she had her own fridge in the garage because she’d been made to feel like a burden.

And still… she didn’t call it financial abuse at the time.

After 14 years, one moment finally pushed her to leave. She packed up her dog, moved back in with her parents, got a new job, started learning about money for herself, and began rebuilding from scratch.

Now she has a growing investment portfolio, a $50k house deposit, and something even bigger than that: independence.

This conversation is heartbreaking, hopeful and honestly incredibly important. Because financial abuse rarely starts with one giant red flag. Most of the time, it happens slowly… until one day you realise you don’t recognise yourself anymore.

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

A little heads up before you press play: this episode contains conversations about financial abuse and coercive control. It&rsquo;s an incredibly important conversation, but please look after yourself while listening.
This week&rsquo;s Money Diary is raw in a way I don&rsquo;t think I was fully prepared for.
At 21, she fell in love with an older man and slowly built a life around him. Over time, she gave up uni, stopped working, helped raise his children, and handed over control of her finances without really realising how much of herself she was losing in the process.
What started as &ldquo;he&rsquo;s just better with money&rdquo; slowly became something much darker.
By the end of the relationship, she was working unpaid for his business, questioning her own worth constantly, and living in a situation so controlling that she had her own fridge in the garage because she&rsquo;d been made to feel like a burden.
And still&hellip; she didn&rsquo;t call it financial abuse at the time.
After 14 years, one moment finally pushed her to leave. She packed up her dog, moved back in with her parents, got a new job, started learning about money for herself, and began rebuilding from scratch.
Now she has a growing investment portfolio, a $50k house deposit, and something even bigger than that: independence.
This conversation is heartbreaking, hopeful and honestly incredibly important. Because financial abuse rarely starts with one giant red flag. Most of the time, it happens slowly&hellip; until one day you realise you don&rsquo;t recognise yourself anymore.
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:&nbsp;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

She Gave Up Uni, Work and Financial Control for Love. Leaving Changed Everything

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/d7c5171e-795a-4721-b534-b451017f6851/transcript

The dentist can be spenny, but necessary. So what happens when you can’t afford an appointment? And what if your treatment is kinda important or worse… urgent?

This week on Friday Drinks, we discuss a Money Dilemma that questions whether we can ever really afford to miss health-related appointments when we’re in debt.

We also answer a DM that’s all about diversification and whether buying diversified ETFs is enough. If you’ve been afraid to ask the question or considering how to diversify your portfolio, this episode’s for you. 

New here? Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA our zero-judgement support network for money tips. Ask questions, share rec’s, and celebrate your wins with a like-minded community of 300,000+.

And 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

The dentist can be spenny, but necessary. So what happens when you can&rsquo;t afford an appointment? And what if your treatment is kinda important or worse&hellip; urgent?
This week on Friday Drinks, we discuss a Money Dilemma that questions whether we can ever really afford to miss health-related appointments when we&rsquo;re in debt.
We also answer a DM that&rsquo;s all about diversification and whether buying diversified ETFs is enough. If you&rsquo;ve been afraid to ask the question or considering how to diversify your portfolio, this episode&rsquo;s for you.&nbsp;
New here? Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA our zero-judgement support network for money tips. Ask questions, share rec&rsquo;s, and celebrate your wins with a like-minded community of 300,000+.
And 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

Nothing To Smile About: When Debt Costs You Dental Visits

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/99cf9c3b-afb2-4e1c-9904-b44e00affe1a/transcript

MONEY DIARIES: 25, a lawyer and has bought three properties with no guarantor

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