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Today's Money Diarist is 28 and working over 100 hours per week in a niche safety roles in the mines. As the first of 7 in her family to graduate with a degree, she's as hard on herself as she is a hard worker! Looking to make her hours more sustainable long term, her passion for the change she's making everyday in the workplace is what fuels her. We can't wait for you to meet her.

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. 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.

Today's Money Diarist is 28 and working over 100 hours per week in a niche safety roles in the mines. As the first of 7 in her family to graduate with a degree, she's as hard on herself as she is a hard worker! Looking to make her hours more sustainable long term, her passion for the change she's making everyday in the workplace is what fuels her. We can't wait for you to meet her.
Acknowledgement of Country By Natarsha 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.  Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708,  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.

MONEY DIARIES: The 100 Hour Work Week!

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/42f64ea2-cb1b-4bbb-8391-b1b10007578e/transcript

Which one makes more money sense? Smashing down your mortgage faster, or putting that money to work in shares? This week’s Friday Drinks opens with one of the most divisive money questions we get, and Victoria gets very honest about how she approaches it in her own life. She walks through what she prioritises when building wealth, the maths she actually uses to make sure every dollar is working it's hardest for her, and why the answer that feels obvious, isn’t always the one that makes you richer. Then things get spicy. Like, properly spicy. A community member slid into our DMs convinced her late father-in-law’s partner is lying about his will and the real cost of the funeral. We unpack what really happens when someone dies without a will, where money goes first, how estates are handled, and what to do when your gut says something’s off but the situation is already emotionally loaded. And because it's Friday we’ve got all the usual fun and chaos you love to start the weekend the right.

FURTHER LISTENING: What happens to your money when you die?

WEDDING BUDGET: Get the SOTM wedding budget here.

THE BEST SOTM FREEBIES:Your 2026 Fresh Start: Free Money Tools You’ll Love

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. 


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.

Which one makes more money sense? Smashing down your mortgage faster, or putting that money to work in shares? This week&rsquo;s Friday Drinks opens with one of the most divisive money questions we get, and Victoria gets very honest about how she approaches it in her own life. She walks through what she prioritises when building wealth, the maths she actually uses to make sure every dollar is working it's hardest for her, and why the answer that feels obvious, isn&rsquo;t always the one that makes you richer. Then things get spicy. Like, properly spicy. A community member slid into our DMs convinced her late father-in-law&rsquo;s partner is lying about his will and the real cost of the funeral. We unpack what really happens when someone dies without a will, where money goes first, how estates are handled, and what to do when your gut says something&rsquo;s off but the situation is already emotionally loaded. And because it's Friday we&rsquo;ve got all the usual fun and chaos you love to start the weekend the right. FURTHER LISTENING: <a href="https://open.spotify.com/episode/6cQbZgaVaKtF0SteYpwAJU?si=ac534a290bf7417d">What happens to your money when you die?</a>
WEDDING BUDGET: Get the SOTM wedding budget <a href="https://www.shesonthemoney.com/download-resources">here</a>. THE BEST SOTM FREEBIES: <a href="https://www.shesonthemoney.com/blog/free-finance-resources">Your 2026 Fresh Start: Free Money Tools You&rsquo;ll Love</a>
Need the team&rsquo;s take on your money dilemma? Send us a voicemail&nbsp;<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>.&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.

What Will Make You Richer: Money in Your Offset Account or the Sharemarket? Plus, How To Handle Family Estate Disputes

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/4eb55a59-ce1a-44ad-81b6-b3e100accb47/transcript

Everyone wants to give their kids the best start in life, and investing for them feels like the obvious answer… right up until the tax rules turn the whole thing into a mental no go zone. So how do you set your kids up financially without accidentally handing a chunk of it to the ATO, overcomplicating your life, or creating a problem you’ll have to untangle later? 

This episode is all about how to invest in the share market for your kids in a way that actually makes sense. We talk through how to choose the right setup for your family, the strategies that can legally minimise tax (Spoiler alert: Those tax rules might might be as scary as you think, once you see the numbers), and why the way you invest now can shape how your kids think about money as adults. If you care about giving your kids a real financial head start, this episode is a must listen.

In this ep:
📈Why investing for kids is really about building confidence with money, more than just the dollar amount
📈The biggest investing advantage kids have that adults can’t buy later
📈Why starting small for kids now can matter more than waiting till you have a lump sum to invest
📈How the shares and ETFs you chose can effect how much tax you pay (and what to look for)
📈A real-world example that shows why tax on kids’ investments isn’t always as scary as it sounds
📈The setup questions to answer now, so you’re not second guessing yourself later

SHARESIES KIDS ACCOUNTS: Learn all about their new kid's investing accounts here.

Sign up for a Sharesies adult account using the code SOTM10 and get $10 to invest when you make your first deposit of any amount.

Everyone wants to give their kids the best start in life, and investing for them feels like the obvious answer&hellip; right up until the tax rules turn the whole thing into a mental no go zone. So how do you set your kids up financially without accidentally handing a chunk of it to the ATO, overcomplicating your life, or creating a problem you&rsquo;ll have to untangle later?&nbsp;
This episode is all about how to invest in the share market for your kids in a way that actually makes sense. We talk through how to choose the right setup for your family, the strategies that can legally minimise tax (Spoiler alert: Those tax rules might might be as scary as you think, once you see the numbers), and why the way you invest now can shape how your kids think about money as adults. If you care about giving your kids a real financial head start, this episode is a must listen.
In this ep: 📈Why investing for kids is really about building confidence with money, more than just the dollar amount 📈The biggest investing advantage kids have that adults can&rsquo;t buy later 📈Why starting small for kids now can matter more than waiting till you have a lump sum to invest 📈How the shares and ETFs you chose can effect how much tax you pay (and what to look for) 📈A real-world example that shows why tax on kids&rsquo; investments isn&rsquo;t always as scary as it sounds 📈The setup questions to answer now, so you&rsquo;re not second guessing yourself later SHARESIES KIDS ACCOUNTS: Learn all about their new kid's investing accounts&nbsp;<a href="https://bit.ly/4qJwgYt">here</a>. Sign up for a Sharesies adult account using the code&nbsp;SOTM10 and get $10 to invest when you make your first deposit of any amount.

How to Invest in the Share Market for Kids (Without Losing It All to Tax)

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/d3286556-a165-437e-ad56-b3de0172d739/transcript

January 26 isn’t just another public holiday. For many First Nations Australians, it marks the beginning of invasion and the impacts of colonisation that are still felt today. That’s why we're interupting your normal Money Diaries programming to bring you this conversation, with very special guests  Laura Thompson and Sarah Sheridan. Laura and Sarah are the co-founders of Clothing The Gaps, the Aboriginal led and controlled, and majority Aboriginal owned business and social enterprise behind the Not A Date To Celebrate campaign. In the ep they explain what often gets missed in the public debate, how economic empowerment plays a role in real, lasting change, how First Nations–led businesses approach impact differently, and what refectful and informed support can look like on this date and beyond. 

EPISODE LINKS: Clothing the Gaps website
Not a Date to Celebrate campaign
Sign the petition here.
Download their MP letter here.

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.

January 26 isn&rsquo;t just another public holiday. For many First Nations Australians, it marks the beginning of invasion and the impacts of colonisation that are still felt today. That&rsquo;s why we're interupting your normal Money Diaries programming to bring you this conversation, with very special guests&nbsp; Laura Thompson and Sarah Sheridan. Laura and Sarah are the co-founders of Clothing The Gaps, the Aboriginal led and controlled, and majority Aboriginal owned&nbsp;business and&nbsp;social enterprise behind the Not A Date To Celebrate campaign. In the ep they explain what often gets missed in the public debate, how economic empowerment plays a role in real, lasting change, how First Nations&ndash;led businesses approach impact differently, and what refectful and informed support can look like on this date and beyond.&nbsp; EPISODE LINKS: <a href="https://www.clothingthegaps.com.au/">Clothing the Gaps website</a> <a href="https://www.clothingthegaps.com.au/pages/not-a-date-to-celebrate">Not a Date to Celebrate campaign</a> Sign the petition <a href="https://www.change.org/p/australia-day-jan-26-not-a-date-to-celebrate">here</a>. Download their MP letter <a href="https://cdn.shopify.com/s/files/1/0042/7740/3718/files/Not_A_Date_To_Celebrate_MP_Letter_Final_9ee00ec8-891b-44f4-80f9-e2f732a96691.docx?v=1767937480">here</a>.
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.

Not a Date to Celebrate with Clothing the Gaps

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/2ae26be7-1397-4769-a873-b3da001a016e/transcript

MONEY DIARIES: The 100 Hour Work Week!

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