Would you take $19,000 to walk away from your job? And if you suddenly didn't have to pay rent or bills, would you invest every spare dollar or enjoy the extra cash while it lasts?

We've got two very different money dilemmas this week, and both have us wondering what we'd do with a little extra money in our pockets.

Victoria's off giving a keynote, so Jess and Bec are taking over Friday Drinks. And naturally, things are getting a little less serious while the boss is away.

First up, a 22-year-old has landed her first big-girl job, complete with free accommodation and no bills. An absolute dream in this economy. But now she's wondering what to do with all that extra money. Should she invest in shares she already owns, start building an ETF portfolio or take the opportunity to enjoy a little financial freedom?

Then there's a new mum on maternity leave who's considering taking a $19,000 voluntary redundancy payout. She was already thinking about leaving her teaching job, but with plans to return part-time and an uncertain job market, is taking the money a smart move or a gamble?

Plus, we're celebrating some seriously impressive community money wins, sharing a few clever ways to save, and debating whether knowing your entire future would be a blessing or an absolute nightmare.

Just another perfectly normal Friday Drinks with your money besties.

PAY IT DOWN: Here’s a playlist dedicated to the art of paying down debt https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=qOdbgLrBS3STvMzELWiAqg

PERVE ON OTHER PEOPLE’S DEBT: Learn how much credit card debt other Aussies actually have by searching ‘debt’ on the blog: www.shesonthemoney.com/blog

CONTACT THE NATIONAL DEBT HELPLINE: Visit the National Debt Helpline at ndh.org.au/financial-counselling/what-is-financial-counselling/ for free, confidential, and independent support for getting out of debt, gang. 

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 - 451289

Would you take $19,000 to walk away from your job? And if you suddenly didn't have to pay rent or bills, would you invest every spare dollar or enjoy the extra cash while it lasts?
We've got two very different money dilemmas this week, and both have us wondering what we'd do with a little extra money in our pockets.
Victoria's off giving a keynote, so Jess and Bec are taking over Friday Drinks. And naturally, things are getting a little less serious while the boss is away.
First up, a 22-year-old has landed her first big-girl job, complete with free accommodation and no bills. An absolute dream in this economy. But now she's wondering what to do with all that extra money. Should she invest in shares she already owns, start building an ETF portfolio or take the opportunity to enjoy a little financial freedom?
Then there's a new mum on maternity leave who's considering taking a $19,000 voluntary redundancy payout. She was already thinking about leaving her teaching job, but with plans to return part-time and an uncertain job market, is taking the money a smart move or a gamble?
Plus, we're celebrating some seriously impressive community money wins, sharing a few clever ways to save, and debating whether knowing your entire future would be a blessing or an absolute nightmare.
Just another perfectly normal Friday Drinks with your money besties.
PAY IT DOWN: Here&rsquo;s a <a href="https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=qOdbgLrBS3STvMzELWiAqg">playlist</a> dedicated to the art of paying down debt <a href="https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=qOdbgLrBS3STvMzELWiAqg">https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=qOdbgLrBS3STvMzELWiAqg</a>
PERVE ON OTHER PEOPLE&rsquo;S DEBT: Learn <a href="https://www.shesonthemoney.com/blog/community-credit-card-debt">how much credit card debt other Aussies actually have</a> by searching &lsquo;debt&rsquo; on the blog: <a href="https://www.shesonthemoney.com/blog">www.shesonthemoney.com/blog</a>
CONTACT THE NATIONAL DEBT HELPLINE: Visit the <a href="https://ndh.org.au/financial-counselling/what-is-financial-counselling/">National Debt Helpline</a> at <a href="https://ndh.org.au/financial-counselling/what-is-financial-counselling/">ndh.org.au/financial-counselling/what-is-financial-counselling/</a> for free, confidential, and independent support for getting out of debt, gang.&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 (<a href="http://nartarshabamblett.com.au">nartarshabamblett.com.au</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,&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

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.

Should I Take a Voluntary Redundancy In This Economy?

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/029462fc-de27-456f-978c-b4e20000aca6/transcript

We talk about cost per wear all the time. But what about cost per memory?

Think about the last really good holiday you went on. What do you actually remember? Probably not what the flights and hotel cost. 

Hot off the plane from the Northern Territory, our very own travel correspondent Jessica Ricci is here to confirm with receipts that that off-peak travel is where it’s at. While everyone else chases that May to August peak, the NT’s Best Kept Season (September to April) is when the Territory shows a different side, with flowing waterfalls, rich sunsets, fewer crowds, better value and quieter moments that feel like they’re just for you. 

Jess (and the team?) explored Darwin, Katherine and Nitmiluk National Park on Jawoyn Country, and now we unpack how to spend on travel in a way that actually feels worth it, and whether the price of an experience has anything to do with how much you remember it.

Plan your Northern Territory escape between September and April learn more here!
WIN A TRIP: Feel like a free holiday? Of course you do! Enter the Best Kept Season competition for a chance to win!

In this ep:

🌅 Why the best moments are often the free ones (same sunset, very different bill)
🌅 The two unhelpful extremes: save every dollar and retire with no stories vs “book the flight, money comes back”
🌅 Why off-peak travel is the ultimate life hack: no long lines, fewer crowds, cheaper flights and accommodation (and still shorts weather)
🌅 Why we overlook our own backyard, and why not everything valuable in your life appreciates financially

Because being good with money isn’t about spending as little as humanly possible. It’s being able to look at where your money went and think, “Yep. That was worth it to me.” And sometimes the return is something you’re still talking about 10 years later.

This episode was created in partnership with Tourism NT
Read about all our adventures and recommendations on our blog here

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

We talk about cost per wear all the time. But what about cost per memory?
Think about the last really good holiday you went on. What do you actually remember? Probably not what the flights and hotel cost.&nbsp;
Hot off the plane from the Northern Territory, our very own travel correspondent Jessica Ricci is here to confirm with receipts that that off-peak travel is where it&rsquo;s at. While everyone else chases that May to August peak, the NT&rsquo;s Best Kept Season (September to April) is when the Territory shows a different side, with flowing waterfalls, rich sunsets, fewer crowds, better value and quieter moments that feel like they&rsquo;re just for you.&nbsp;
Jess (and the team?) explored Darwin, Katherine and Nitmiluk National Park on Jawoyn Country, and now we unpack how to spend on travel in a way that actually feels worth it, and whether the price of an experience has anything to do with how much you remember it.
Plan your Northern Territory escape between September and April <a href="https://northernterritory.com/promotions/best-kept-season?utm_source=shesonthemoney&amp;utm_medium=social&amp;utm_campaign=best+kept+season+fy27">learn more here!</a> WIN A TRIP: Feel like a free holiday? Of course you do!&nbsp;<a href="https://northernterritory.com/promotions/best-kept-season?utm_source=shesonthemoney&amp;utm_medium=social&amp;utm_campaign=best+kept+season+fy27#competition-form">Enter the Best Kept Season competition </a>for a chance to win!
In this ep:
🌅 Why the best moments are often the free ones (same sunset, very different bill) 🌅 The two unhelpful extremes: save every dollar and retire with no stories vs &ldquo;book the flight, money comes back&rdquo; 🌅 Why off-peak travel is the ultimate life hack: no long lines, fewer crowds, cheaper flights and accommodation (and still shorts weather) 🌅 Why we overlook our own backyard, and why not everything valuable in your life appreciates financially
Because being good with money isn&rsquo;t about spending as little as humanly possible. It&rsquo;s being able to look at where your money went and think, &ldquo;Yep. That was worth it to me.&rdquo; And sometimes the return is something you&rsquo;re still talking about 10 years later.
This episode was created in partnership with Tourism NT Read about all our adventures and recommendations on our blog here
Acknowledgement of Country by Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com).
The advice shared on She&rsquo;s On The Money is general in nature and does not consider your individual circumstances. She&rsquo;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&rsquo;s On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289

Cost Per Memory: Why the Best Kept Season Gives You More for Less

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/72c90348-8ccf-4f53-9f31-b4f3001a7e8f/transcript

Imagine receiving almost $1 million in insurance and realising it still might not be enough. At just 30, this week's Money Diarist's husband was forced to medically retire from his $250,000 tech career after developing a debilitating neurological condition. Suddenly, their plans for a future full of travel, financial freedom and enjoying their newly married life looked very different. Now she's supporting their household on her $85,000 salary while managing her own chronic health conditions, and the insurance payout they were so grateful for has to help replace decades of lost income. We're talking about the reality of claiming on income protection and TPD insurance, the one thing they wish they'd done differently, and why having insurance doesn't necessarily mean having enough of it. Because here's the thing: they actually did so much right. They had insurance, they'd updated their cover as their income grew, and it made an enormous difference. But their story raises a question I think we should all be asking ourselves. If something happened tomorrow and you couldn't work again, would the insurance you have today actually be enough?

SORT YOUR INSURANCE: If this week's Money Diary teaches us anything, it's that you never know when life is going to throw something completely unexpected your way. And by the time you need insurance, it's often too late to get it. A huge thank you to our long-standing partner Skye Wealth for bringing this episode to life. We only ever partner with people we genuinely trust, and if you've been putting off sorting your personal insurance, consider this your sign. Find out what cover you might need and get started here.

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 - 451289.

Imagine receiving almost $1 million in insurance and realising it still might not be enough. At just 30, this week's Money Diarist's husband was forced to medically retire from his $250,000 tech career after developing a debilitating neurological condition. Suddenly, their plans for a future full of travel, financial freedom and enjoying their newly married life looked very different. Now she's supporting their household on her $85,000 salary while managing her own chronic health conditions, and the insurance payout they were so grateful for has to help replace decades of lost income. We're talking about the reality of claiming on income protection and TPD insurance, the one thing they wish they'd done differently, and why having insurance doesn't necessarily mean having enough of it. Because here's the thing: they actually did so much right. They had insurance, they'd updated their cover as their income grew, and it made an enormous difference. But their story raises a question I think we should all be asking ourselves. If something happened tomorrow and you couldn't work again, would the insurance you have today actually be enough?
SORT YOUR INSURANCE: If this week's Money Diary teaches us anything, it's that you never know when life is going to throw something completely unexpected your way. And by the time you need insurance, it's often too late to get it. A huge thank you to our long-standing partner Skye Wealth for bringing this episode to life. We only ever partner with people we genuinely trust, and if you've been putting off sorting your personal insurance, consider this your sign. Find out what cover you might need and get started <a href="https://bit.ly/4k3sM0d">here</a>. 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 - 451289.

The $1 Million Insurance Payout That Wasn't Enough.

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/fea90ff8-a369-4293-af70-b4f90053895d/transcript

Imagine being 19 years old, earning $140,000 a year and feeling absolutely terrified every time you think about money. Sounds like a pretty good problem to have, right? Except when you're so overwhelmed by the responsibility of making the right decisions that you don't know where to start. It might sound unrelatable, but it's a conversation we can all learn from. 

This week, we're helping a young woman who's earning more than most people twice her age but is struggling with serious money anxiety. She wants to set herself up financially, especially knowing she might not want to stay in her current job forever. So how do you stop being scared of money and start feeling confident about what to do with it?

Plus, a 31-year-old has finally checked her superannuation balance and realised it's much lower than she expected. After years of travelling, studying and working casually, she's worried she's fallen behind. Should she switch to a high-growth investment option to catch up, or is taking on more risk just asking for trouble? We're talking risk profiles, salary sacrificing and why being 31 doesn't mean you've missed your chance to build a comfortable retirement.

And because it's Friday Drinks, we're also celebrating some seriously impressive Money Wins, sharing Broke Tips that could save you a small fortune and debating which fictional universe we'd actually survive in. Apparently, some of us are heading to Whoville and others have much more questionable plans.

Grab a drink, friends. We're talking money fears, financial futures and why getting your finances together doesn't have to mean having everything figured out.

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).

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.

Imagine being 19 years old, earning $140,000 a year and feeling absolutely terrified every time you think about money. Sounds like a pretty good problem to have, right? Except when you're so overwhelmed by the responsibility of making the right decisions that you don't know where to start. It might sound unrelatable, but it's a conversation we can all learn from.&nbsp;
This week, we're helping a young woman who's earning more than most people twice her age but is struggling with serious money anxiety. She wants to set herself up financially, especially knowing she might not want to stay in her current job forever. So how do you stop being scared of money and start feeling confident about what to do with it?
Plus, a 31-year-old has finally checked her superannuation balance and realised it's much lower than she expected. After years of travelling, studying and working casually, she's worried she's fallen behind. Should she switch to a high-growth investment option to catch up, or is taking on more risk just asking for trouble? We're talking risk profiles, salary sacrificing and why being 31 doesn't mean you've missed your chance to build a comfortable retirement.
And because it's Friday Drinks, we're also celebrating some seriously impressive Money Wins, sharing Broke Tips that could save you a small fortune and debating which fictional universe we'd actually survive in. Apparently, some of us are heading to Whoville and others have much more questionable plans.
Grab a drink, friends. We're talking money fears, financial futures and why getting your finances together doesn't have to mean having everything figured out.
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).
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 - 451289.

She's 19, Earning $140K and Terrified of Money + Are You Behind on Super?

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/12642b9b-bce1-4622-8996-b4d500a2baab/transcript

Should I Take a Voluntary Redundancy In This Economy?

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