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: Lifestyle creeper

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/ef28981f-9408-4e10-afee-af460064b714/transcript

She spent almost everything she'd saved travelling around the world, came home with just $1,000 in her bank account and has $74,000 in HECS debt. Oh, and now she wants to buy a house. At 23.

You'd probably assume this week's Money Diarist has some questionable money habits. But here's where things get interesting, because she's actually doing a whole lot better than you might think.

After years of diligently saving half her income, she decided that travelling, studying in Paris and enjoying her early twenties were worth spending her savings on. And while she wouldn't trade those experiences for anything, there's still that little voice wondering whether she should have put the money towards a house deposit instead.

Now she's earning $75,000 as a law graduate, has rebuilt her savings, started investing in ETFs and has around $12,000 eligible through the First Home Super Saver Scheme. She's also about to move out of home for the first time, which means swapping the comfort of living with her parents for $320 a week in rent, bills and all the other little expenses that somehow add up to a small fortune.

And despite being pretty financially switched on, she's giving herself a C+.

We get into her early investing mistake with crypto, why she's terrified of debt, the $350 she spends on entertainment every fortnight and whether spending your savings on experiences is actually a financial mistake.

Because when you're in your twenties, it can feel like everyone expects you to save for a house, invest for retirement, pay off your HECS and somehow have the time of your life.

Preferably all at once. Which is... ambitious.

But what if spending money on the life you want now isn't necessarily holding you back from building the future you want later?

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

She spent almost everything she'd saved travelling around the world, came home with just $1,000 in her bank account and has $74,000 in HECS debt.&nbsp;Oh, and now she wants to buy a house.&nbsp;At 23.
You'd probably assume this week's Money Diarist has some questionable money habits. But here's where things get interesting, because she's actually doing a whole lot better than you might think.
After years of diligently saving half her income, she decided that travelling, studying in Paris and enjoying her early twenties were worth spending her savings on. And while she wouldn't trade those experiences for anything, there's still that little voice wondering whether she should have put the money towards a house deposit instead.
Now she's earning $75,000 as a law graduate, has rebuilt her savings, started investing in ETFs and has around $12,000 eligible through the First Home Super Saver Scheme. She's also about to move out of home for the first time, which means swapping the comfort of living with her parents for $320 a week in rent, bills and all the other little expenses that somehow add up to a small fortune.
And despite being pretty financially switched on, she's giving herself a C+.
We get into her early investing mistake with crypto, why she's terrified of debt, the $350 she spends on entertainment every fortnight and whether spending your savings on experiences is actually a financial mistake.
Because when you're in your twenties, it can feel like everyone expects you to save for a house, invest for retirement, pay off your HECS and somehow have the time of your life.
Preferably all at once. Which is... ambitious.
But what if spending money on the life you want now isn't necessarily holding you back from building the future you want later?
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

She Chose Europe Over a House Deposit. Now She's Questioning Everything.

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/3a4193f1-801a-4c35-9e17-b4d500a65426/transcript

Real talk, have you been preparing your Milo wrong? Join Jess and Bec for a special edition of Friday Drinks, where they discuss our community’s best Money Wins, Broke Tips and Question of the Week.

That’s right, Victoria’s away so the gang will be taking your ears on a detour from our regular programming to bring you a more laid-back episode. Featuring a DM concerning Buy Now, Pay Later habits and a community dilemma about what sounds like a very expensive hobby, this is proving to be one of our more amusing installments yet.

To buy a house or a horse? That is the question.

Want to learn more about Revolut and get your $40? – click here! 

BREAK FREE: Ditch the Buy Now, Pay Later (BNPL) cycle for good. Here’s a blog to give your debt a run for its money. Search  ‘BNPL’ at shesonthemoney.com/blog/

DEBT HACKS: Need a hand? Check out our article on avoiding and abolishing debt on the blog. Search ‘abolish debt’ shesonthemoney.com/blog/

YOUR MONEY PERSONALITY: Wanna buy a horse, but aren’t sure if it’s the right decision for you? Complete our Money Personality Quiz to figure out what actually matters to you over here: shesonthemoney.com/money-personality-quiz


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 aka Queen Acknowledgements (queenacknowledgements.com)

Thank you Revolut for sponsoring this episode. 

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

Real talk, have you been preparing your Milo wrong? Join Jess and Bec for a special edition of Friday Drinks, where they discuss our community&rsquo;s best Money Wins, Broke Tips and Question of the Week.
That&rsquo;s right, Victoria&rsquo;s away so the gang will be taking your ears on a detour from our regular programming to bring you a more laid-back episode. Featuring a DM concerning Buy Now, Pay Later habits and a community dilemma about what sounds like a very expensive hobby, this is proving to be one of our more amusing installments yet.
To buy a house or a horse? That is the question.
Want to learn more about Revolut and get your $40? &ndash; <a href="https://www.revolut.com/en-AU/sotm/">click here!&nbsp;</a>
BREAK FREE: Ditch the Buy Now, Pay Later (BNPL) cycle for good. Here&rsquo;s a <a href="https://www.shesonthemoney.com/blog/break-free-why-you-deserve-to-escape-the-buy-now-pay-later-cycle">blog</a> to give your debt a run for its money. Search&nbsp; &lsquo;BNPL&rsquo; at <a href="http://shesonthemoney.com/blog/">shesonthemoney.com/blog/</a>
DEBT HACKS: Need a hand? Check out our <a href="https://www.shesonthemoney.com/blog/quick-hacks-to-help-you-avoid-amp-abolish-debt">article</a> on avoiding and abolishing debt on the blog. Search &lsquo;abolish debt&rsquo; <a href="http://shesonthemoney.com/blog">shesonthemoney.com/blog</a>/
YOUR MONEY PERSONALITY: Wanna buy a horse, but aren&rsquo;t sure if it&rsquo;s the right decision for you? Complete our <a href="https://www.shesonthemoney.com/money-personality-quiz">Money Personality Quiz</a> to figure out what actually matters to you over here: <a href="http://shesonthemoney.com/money-personality-quiz">shesonthemoney.com/money-personality-quiz </a>
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 aka Queen Acknowledgements (queenacknowledgements.com)
Thank you Revolut for sponsoring this episode.&nbsp;
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

Hear Me Out, I Wanna Buy A Horse... And A House

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/3bfe26b3-7e77-45d7-9ab6-b4c7005ac634/transcript

Be honest. How much do you know about parental leave? Because for many of our listeners, it’s one of those things that you don’t really pay attention to, until you need to. 

Welcome to a special solo episode of Deep Dive where Victoria takes us through the ins-and-outs of paid parental leave and what you might be entitled to, should you (and a partner) need it.

This episode will introduce you to what the current status of Parental Leave Pay is in Australia, who’s responsible for it, and what happens if you’re employed… or self-employed. From describing how much time and money you might be eligible for, to whether your partner has any support throughout this whole process, we’ll unpack the current state of play.

Whether you’re planning to have a family, or know someone navigating the process, V explains what entitlements to expect, when you’re expecting. And what to ask your employer should you need more support.

DOWNLOAD OUR BABY BUDGET: Figuring out the costs of having a baby? Grab a free copy of our baby budget spreadsheet over on our resources page here: shesonthemoney.com/download-resources

NEWBORN LIST: Prams, high-chairs, car seats. Check out our blog on some of the things you might be considering when budgeting for a baby. Search for ‘baby’ on the blog: shesonthemoney.com/blog

IT COSTS HOW MUCH? Tune into Victoria’s Deep Dive episode about how much it cost her to have a baby through the private healthcare system over here: https://open.spotify.com/episode/2LF287iIFC143YjlgoCjg0?si=H-2PCKo1Qk2qDDtYIySV1g 
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 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

Be honest. How much do you know about parental leave? Because for many of our listeners, it&rsquo;s one of those things that you don&rsquo;t really pay attention to, until you need to.&nbsp;
Welcome to a special solo episode of Deep Dive where Victoria takes us through the ins-and-outs of paid parental leave and what you might be entitled to, should you (and a partner) need it.
This episode will introduce you to what the current status of Parental Leave Pay is in Australia, who&rsquo;s responsible for it, and what happens if you&rsquo;re employed&hellip; or self-employed. From describing how much time and money you might be eligible for, to whether your partner has any support throughout this whole process, we&rsquo;ll unpack the current state of play.
Whether you&rsquo;re planning to have a family, or know someone navigating the process, V explains what entitlements to expect, when you&rsquo;re expecting. And what to ask your employer should you need more support.
DOWNLOAD OUR BABY BUDGET: Figuring out the costs of having a baby? Grab a free copy of our baby budget spreadsheet over on our resources page here: shesonthemoney.com/download-resources
NEWBORN LIST: Prams, high-chairs, car seats. Check out our blog on some of the things you might be considering when budgeting for a baby. Search for &lsquo;baby&rsquo; on the blog: shesonthemoney.com/blog
IT COSTS HOW MUCH? Tune into Victoria&rsquo;s Deep Dive episode about how much it cost her to have a baby through the private healthcare system over here: https://open.spotify.com/episode/2LF287iIFC143YjlgoCjg0?si=H-2PCKo1Qk2qDDtYIySV1g&nbsp; 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 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

How Does Parental Leave Work?

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/adc2100c-6a66-42c0-bfc4-b4c7005bc223/transcript

MONEY DIARIES: Lifestyle creeper

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