If you’ve ever looked at your debt and thought how did I even get here, this one’s for you. Because that’s exactly where our Money Diarist found herself when she realised she was about $60,000 deep. There was a car. A wedding. Setting up a home. All the things that feel like you’re just meant to do as you build a life. Until one day she zoomed out and realised a life in debt wasn’t what she wanted for her family. Once she started learning how money actually works, everything shifted. She wasn’t bad with money like she’d always thought. She’d just never been taught. This episode is about what happens when financial literacy starts to click. How she tackled the debt without spiralling into shame. How a few strategic moves changed everything. And why when life later threw her a serious curveball, having those foundations already in place made all the difference.

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 sttanding referal patnership with Skye Wealth and only ever partner with people we trust. 

GET VICTORIA'S BUDGETING SYSTEM: Build a money system that actually works for you here. 

FREE MONEY TOOLS YOU'LL LOVE: All our best free resources in the 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.

If you&rsquo;ve ever looked at your debt and thought how did I even get here, this one&rsquo;s for you. Because that&rsquo;s exactly where our Money Diarist found herself when she realised she was about $60,000 deep. There was a car. A wedding. Setting up a home. All the things that feel like you&rsquo;re just meant to do as you build a life.&nbsp;Until one day she zoomed out and realised a life in debt wasn&rsquo;t what she wanted for her family.&nbsp;Once she started learning how money actually works, everything shifted. She wasn&rsquo;t bad with money like she&rsquo;d always thought. She&rsquo;d just never been taught. This episode is about what happens when financial literacy starts to click. How she tackled the debt without spiralling into shame. How a few strategic moves changed everything. And why when life later threw her a serious curveball, having those foundations already in place made all the difference.
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 <a href="https://www.skye.com.au/shesonthemoney">here</a>. We have a long sttanding referal patnership with Skye Wealth and only ever partner with people we trust.&nbsp; GET VICTORIA'S BUDGETING SYSTEM: Build a money system that actually works for you <a href="https://www.shesonthemoney.com/the-money-masterclass">here</a>.&nbsp; FREE MONEY TOOLS YOU'LL LOVE: All our best free resources in the one place <a href="https://www.shesonthemoney.com/blog/free-finance-resources">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.

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’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.

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.

The $60k Debt Wake-Up Call That Changed Everything

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/56ef8ddd-9461-4842-b6b1-b3d101771921/transcript