Our diarist this week went from being a flat-broke uni student who could barely afford rent to paying off a $25,000 car loan on a graduate salary in less than a year. She built her emergency fund, started investing, got serious about her money and completely transformed her financial situation.

But now there's a new problem. Every time she spends money, she feels guilty.

We chat about moving away from home at 19, being the only person in her share house paying her own rent, paying off debt, building wealth in regional Australia, dating someone with four investment properties, and the surprising money mindset shift that came after getting her finances under control.

Because sometimes getting good with money isn't the hard part.

Sometimes it's learning how to enjoy it.

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

Our diarist this week went from being a flat-broke uni student who could barely afford rent to paying off a $25,000 car loan on a graduate salary in less than a year. She built her emergency fund, started investing, got serious about her money and completely transformed her financial situation.
But now there's a new problem. Every time she spends money, she feels guilty.
We chat about moving away from home at 19, being the only person in her share house paying her own rent, paying off debt, building wealth in regional Australia, dating someone with four investment properties, and the surprising money mindset shift that came after getting her finances under control.
Because sometimes getting good with money isn't the hard part.
Sometimes it's learning how to enjoy it.
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.&nbsp;
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&amp;As, bite-sized tips, daily money inspo... and relatable money memes that just get you.&nbsp;
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. &nbsp;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.

She paid off a $25,000 car loan on a graduate salary, then became scared to spend money at all.

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/a2940108-0131-402c-9ff5-b475005e00a4/transcript

Happy 1,000th episode, friends! On his very special episode of She’s on the Money, we’re celebrating this huge milestone in true Friday Drinks fashion, complete with festive hats. 

Join Victoria, Bec and Jess for a stroll down memory lane. We’ll be sharing mic drop moments from the She’s on the Money socials, updates from a returned Money Diarist from season one, sharing our favourite things (which you can win via our socials!) and rewarding some very loyal contributors across our community. 

Plus, we’re releasing our final codeword for She’s Stashed the Cash: a 1,000th episode giveaway where our most sleuthy listeners will have the chance to win $1,000 cash.

Tune in for earnest chats, moments from Money’s past, and us fangirling over the internet’s best money community (you 🥹💘).

ENTER SHE’S STASHED THE CASH: Head to https://sotm.typeform.com/stashedthecash and submit your five-word entry NOW! Entries close at 5:59 am (AEST) Saturday 4th July, 2026. Conditions apply.

WIN OUR FAVOURITE THINGS: Head to the giveaway tile over @shesonthemoney for your chance to win one of our favourite things. Entries close at the end of July! Conditions apply.

THROWBACK: Behold! A link to Jess’ first episode (https://open.spotify.com/episode/4obX1XVC2Niml4n4lYNzIz?si=Dj1ZGF3XQGmBH1l7rNUBlg)🥹

If you aren't already, 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

Happy 1,000th episode, friends! On his very special episode of She&rsquo;s on the Money, we&rsquo;re celebrating this huge milestone in true Friday Drinks fashion, complete with festive hats.&nbsp;
Join Victoria, Bec and Jess for a stroll down memory lane. We&rsquo;ll be sharing mic drop moments from the She&rsquo;s on the Money socials, updates from a returned Money Diarist from season one, sharing our favourite things (which you can win via our socials!) and rewarding some very loyal contributors across our community.&nbsp;
Plus, we&rsquo;re releasing our final codeword for She&rsquo;s Stashed the Cash: a 1,000th episode giveaway where our most sleuthy listeners will have the chance to win $1,000 cash.
Tune in for earnest chats, moments from Money&rsquo;s past, and us fangirling over the internet&rsquo;s best money community (you 🥹💘).
ENTER SHE&rsquo;S STASHED THE CASH: Head to https://sotm.typeform.com/stashedthecash and submit your five-word entry NOW! Entries close at 5:59 am (AEST) Saturday 4th July, 2026. Conditions apply.
WIN OUR FAVOURITE THINGS: Head to the giveaway tile over @shesonthemoney for your chance to win one of our favourite things. Entries close at the end of July! Conditions apply.
THROWBACK: Behold! A link to Jess&rsquo; first episode (https://open.spotify.com/episode/4obX1XVC2Niml4n4lYNzIz?si=Dj1ZGF3XQGmBH1l7rNUBlg)🥹
If you aren't already, 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

Happy 1,000th Episode! Win Our Favourite Things + Solve She’s Stashed the Cash

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/7bbc6ed7-c488-4243-80ff-b475005f5270/transcript

Spoiler: Our goal-setting habits are broken. But, it’s not your fault. It’s the psychology we’re raised with.

It’s Deep Dive time! And this financial new year, Victoria and Jess are here to help you get out of your own way, so you can start ticking off those EOFY resolutions nice and early. How? By revisiting the psychology behind setting and sustaining financial goals for the year. 

During this episode, the girls share insights about how current approaches to budgeting, investing and general goal-setting might actually be limiting our capabilities, plus ways we might overcome this with practical advice from authors Adam Grant and Angela Duckworth.

This is less about one quick fix for your best year yet, and more about setting goals you’ll actually stick to. Controversial opinion: They don’t fall apart because the journey is hard, they crumble because the journey is boring. 

P.S. Please share your goals with us, so we can a) hold you accountable, and b) celebrate you!

BONUS READING: Love the theories introduced in this ep? Check out Think Again: The Power of Knowing What You Don't Know, and Hidden Potential: The Science of Achieving Greater Things Adam Grant.

THAT TED TALK: Watch this iconic TED talk by author Angela Duckworth titled, Grit: The Power of Passion and Perseverance.

MINDSET RESET: Stream our playlist on How To Change Your Money Mindset over here.

STUDY WITH US: Looking for a course to keep you accountable? Check out Your Best Year Yet (victoriadevine.com.au/your-best-year-yet)

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

Spoiler: Our goal-setting habits are broken. But, it&rsquo;s not your fault. It&rsquo;s the psychology we&rsquo;re raised with.
It&rsquo;s Deep Dive time! And this financial new year, Victoria and Jess are here to help you get out of your own way, so you can start ticking off those EOFY resolutions nice and early. How? By revisiting the psychology behind setting and sustaining financial goals for the year.&nbsp;
During this episode, the girls share insights about how current approaches to budgeting, investing and general goal-setting might actually be limiting our capabilities, plus ways we might overcome this with practical advice from authors Adam Grant and Angela Duckworth.
This is less about one quick fix for your best year yet, and more about setting goals you&rsquo;ll actually stick to. Controversial opinion: They don&rsquo;t fall apart because the journey is hard, they crumble because the journey is boring.&nbsp;
P.S. Please share your goals with us, so we can a) hold you accountable, and b) celebrate you!
BONUS READING: Love the theories introduced in this ep? Check out Think Again: The Power of Knowing What You Don't Know, and Hidden Potential: The Science of Achieving Greater Things Adam Grant.
THAT TED TALK: Watch this iconic TED talk by author Angela Duckworth titled, Grit: The Power of Passion and Perseverance.
MINDSET RESET: Stream our playlist on How To Change Your Money Mindset over here.
STUDY WITH US: Looking for a course to keep you accountable? Check out Your Best Year Yet (victoriadevine.com.au/your-best-year-yet)
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

Your Best Financial Year Yet: How to Set Money Goals That Actually Stick

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/ed53e30d-c46c-40dc-ae06-b475005efeff/transcript

This week's Money Diary starts with what should have been a straightforward hospital visit.

Her husband was 32, healthy, active, and recovering from glandular fever when doctors spotted something completely unexpected on a scan. A few months later, they received the news nobody expects to hear: it was cancer. What followed was months of waiting, uncertainty and trying to keep life moving while living in limbo.

But there's another part of this story that really stuck with me. Just over a year earlier, after hearing countless conversations about money, they finally decided to sort out their personal insurances. Not because they thought they'd need them. Just because it felt like the responsible thing to do.

Thank goodness they did. 

We talk about the diagnosis that changed everything, navigating a trauma insurance claim in your 30s, what financial security really means when life throws you something completely unexpected, and why this experience changed the way they think about money forever. It's a conversation about planning for the things you hope never happen, and why sometimes the most boring financial decisions end up being the most important ones.

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

This week's Money Diary starts with what should have been a straightforward hospital visit.
Her husband was 32, healthy, active, and recovering from glandular fever when doctors spotted something completely unexpected on a scan. A few months later, they received the news nobody expects to hear: it was cancer. What followed was months of waiting, uncertainty and trying to keep life moving while living in limbo.
But there's another part of this story that really stuck with me. Just over a year earlier, after hearing countless conversations about money, they finally decided to sort out their personal insurances. Not because they thought they'd need them. Just because it felt like the responsible thing to do.
Thank goodness they did.&nbsp;
We talk about the diagnosis that changed everything, navigating a trauma insurance claim in your 30s, what financial security really means when life throws you something completely unexpected, and why this experience changed the way they think about money forever. It's a conversation about planning for the things you hope never happen, and why sometimes the most boring financial decisions end up being the most important ones.
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.&nbsp;
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&amp;As, bite-sized tips, daily money inspo... and relatable money memes that just get you.&nbsp;
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. &nbsp;Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, &nbsp;AFSL - 4451289

They Thought Insurance Was a Waste of Money. Then This Happened

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/ed23b45e-651b-476d-8797-b46c00b39806/transcript

She paid off a $25,000 car loan on a graduate salary, then became scared to spend money at all.

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