This episode is what happens when financial planning and family planning have a baby.

Why is it that egg-freezing and IVF feel like buzzwords; distant things that are only relevant once we (or the people we care about) start to consider the options? This changes now.

Joining us on this week’s Deep Dive is sought-after fertility specialist and friend of the pod, Doctor Nicole Hope. The Medical Director at NewLife IVF has helped people to conceive and grow families for the last 20 years. Naturally, we pitched her all of your spicy DMs about financing your fertility journey, covering costs, rebates and whether you can tap into your super to fund it all. 

From payment options to insurances and the difference between various treatments, tune-in for an in-depth discussion about the economics of fertility with NewLife IVF.

CW: During this episode we discuss pregnancy and fertility; topics that some of our listeners might find confronting or triggering. If this is true for you, we recommend skipping the episode until you’re ready to return to it, or simply tuning in for next week’s Deep Dive. Please do what feels right for you.

BUDGETING FOR BIGGER THINGS? Yoink. Please swipe our free downloadable budgets over at shesonthemoney.com/download-resources and bring your goals that much closer. 
Join our Facebook Group (Search for: ShesontheMoneyAUS) 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+.
Follow us on Instagram @shesonthemoneyaus 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 (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.

This episode is what happens when financial planning and family planning have a baby.
Why is it that egg-freezing and IVF feel like buzzwords; distant things that are only relevant once we (or the people we care about) start to consider the options? This changes now.
Joining us on this week&rsquo;s Deep Dive is sought-after fertility specialist and friend of the pod, Doctor Nicole Hope. The Medical Director at NewLife IVF has helped people to conceive and grow families for the last 20 years. Naturally, we pitched her all of your spicy DMs about financing your fertility journey, covering costs, rebates and whether you can tap into your super to fund it all.&nbsp;
From payment options to insurances and the difference between various treatments, tune-in for an in-depth discussion about the economics of fertility with NewLife IVF.
CW: During this episode we discuss pregnancy and fertility; topics that some of our listeners might find confronting or triggering. If this is true for you, we recommend skipping the episode until you&rsquo;re ready to return to it, or simply tuning in for next week&rsquo;s Deep Dive. Please do what feels right for you.
BUDGETING FOR BIGGER THINGS? Yoink. Please swipe our free downloadable budgets over at shesonthemoney.com/download-resources and bring your goals that much closer.&nbsp; Join our Facebook Group (Search for: ShesontheMoneyAUS) 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+. Follow us on Instagram @shesonthemoneyaus for Q&amp;As, bite-sized tips, 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.

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.

The Costs of IVF: Financing Your Fertility Journey

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/ce35383a-179d-4c6d-bddb-b44300240aec/transcript

The federal budget officially dropped at 7:30pm tonight, but we recorded this episode from inside Budget Lock-Up BEFORE the rest of the country got their hands on it.

At 6pm, while the internet was still speculating and journalists were speed-reading hundreds of pages of announcements and fine print, we sat down inside Parliament House to unpack the headlines we think actually matter to our community.

Victoria is joined by Glen James from Money Money Money and Vince Scully from Retire Right, who also happens to own our financial services licence, which you’d think would mean we’d be on our best behaviour… but unfortunately that’s not what happened.

Together, we break down:
• the negative gearing and CGT changes everyone’s about to argue about
• what the tax cuts actually mean for your wallet
• housing affordability and first home buyers
• women’s health funding
• cost-of-living relief
• and why the global oil crisis is suddenly impacting Australian households

Plus, we had a cameo appearance from Katy Gallagher, Minister for Finance herself.

This episode is landing slightly later than we planned because the audio quality wasn’t where we wanted it to be and after surviving Budget Lock-Up, the least we could do was make sure it didn’t sound like we recorded it through a microwave.

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.

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.

The federal budget officially dropped at 7:30pm tonight, but we recorded this episode from inside Budget Lock-Up BEFORE the rest of the country got their hands on it.
At 6pm, while the internet was still speculating and journalists were speed-reading hundreds of pages of announcements and fine print, we sat down inside Parliament House to unpack the headlines we think actually matter to our community.
Victoria is joined by Glen James from Money Money Money and Vince Scully from Retire Right, who also happens to own our financial services licence, which you&rsquo;d think would mean we&rsquo;d be on our best behaviour&hellip; but unfortunately that&rsquo;s not what happened.
Together, we break down: &bull; the negative gearing and CGT changes everyone&rsquo;s about to argue about &bull; what the tax cuts actually mean for your wallet &bull; housing affordability and first home buyers &bull; women&rsquo;s health funding &bull; cost-of-living relief &bull; and why the global oil crisis is suddenly impacting Australian households
Plus, we had a cameo appearance from Katy Gallagher, Minister for Finance herself.
This episode is landing slightly later than we planned because the audio quality wasn&rsquo;t where we wanted it to be and after surviving Budget Lock-Up, the least we could do was make sure it didn&rsquo;t sound like we recorded it through a microwave.
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>.&nbsp; 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>.
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.

BONUS: The 2026 Federal Budget Explained Without The Boring Bits

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/dcff1a33-0b39-4d25-b7ae-b44800e901f4/transcript

Have you ever thought, “maybe I’ve missed my chance.”

This weeks diarist started uni three separate times and dropped out every single one. Worked 50-hour weeks in retail management for minimum wage. Genuinely believed that without a degree, there was a limit to what she’d ever earn or achieve. Relatable. Then life happened. A baby. A relocation. A partner changing careers. Another baby. A mortgage. A massive amount of imposter syndrome. But somewhere in the middle of all of that, she met a leader who saw something in her before she could fully see it herself… and everything started to shift. Now she’s 33, earning $140k in HR with no degree, investing for the first time, raising two kids, navigating a very real mortgage, and trying to work out how anyone affords dining chairs without having a small emotional breakdown. This conversation felt really honest. Not in a “perfect with money” way. More in a “figuring it out while life is happening” kind of way.

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

Have you ever thought, &ldquo;maybe I&rsquo;ve missed my chance.&rdquo;
This weeks diarist started uni three separate times and dropped out every single one. Worked 50-hour weeks in retail management for minimum wage. Genuinely believed that without a degree, there was a limit to what she&rsquo;d ever earn or achieve. Relatable.&nbsp;Then life happened. A baby. A relocation. A partner changing careers. Another baby. A mortgage. A massive amount of imposter syndrome. But somewhere in the middle of all of that, she met a leader who saw something in her before she could fully see it herself&hellip; and everything started to shift.&nbsp;Now she&rsquo;s 33, earning $140k in HR with no degree, investing for the first time, raising two kids, navigating a very real mortgage, and trying to work out how anyone affords dining chairs without having a small emotional breakdown.&nbsp;This conversation felt really honest. Not in a &ldquo;perfect with money&rdquo; way. More in a &ldquo;figuring it out while life is happening&rdquo; kind of way.
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

Dropped Out of Uni Three Times… and Now Earns $140K Without a Degree

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/3fc5c638-9ddb-47d3-b6b4-b44300257a4c/transcript

It’s all too familiar. Work has you burning you out. And even your manager has suggested that you take some time off. So, why does it still feel weird to accept the offer, especially when you’re desperate for a break?

In this week’s Friday Drinks we cover that icky feeling some of us get around taking leave, even though it literally exists to be used. Beyond the stigma, we unpack how taking stress leave might affect your insurances and what to consider before submitting your request.

Say it with me: you cannot call yourself a financial adviser if you do not have a license (an AFSL). In this episode, we answer a DM that sends up more red flags than a carnival. A community member asks if she should take advice from an unlicensed financial adviser, even if it’s free. Hear us *calmly* explain why unsolicited advice is illegal, and could actually end up costing you more. Besties don’t let besties get scammed.

WHO THE HELL IS HAMISH? Here’s a link to the series about a super-scammer, mentioned on the pod, where an unfortunate number of innocent people were scammed out of their super. The moral of the story? It could happen to anyone! Don’t let that be you.

SUSS OUT YOUR COVERAGE Our partners at Skye Wealth are personal insurance pros. Learn more about them over here at skye.com.au. As long standing referral partners, we only ever recommend people we trust.

NEW HERE? Join our Facebook Group (Search for: ShesontheMoneyAUS) 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 @shesonthemoneyaus 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 

It&rsquo;s all too familiar. Work has you burning you out. And even your manager has suggested that you take some time off. So, why does it still feel weird to accept the offer, especially when you&rsquo;re desperate for a break?
In this week&rsquo;s Friday Drinks we cover that icky feeling some of us get around taking leave, even though it literally exists to be used. Beyond the stigma, we unpack how taking stress leave might affect your insurances and what to consider before submitting your request.
Say it with me: you cannot call yourself a financial adviser if you do not have a license (an AFSL). In this episode, we answer a DM that sends up more red flags than a carnival. A community member asks if she should take advice from an unlicensed financial adviser, even if it&rsquo;s free. Hear us *calmly* explain why unsolicited advice is illegal, and could actually end up costing you more. Besties don&rsquo;t let besties get scammed.
WHO THE HELL IS HAMISH? Here&rsquo;s a <a href="https://open.spotify.com/show/1NpAwUFhZUsO8FkifAxgWt?si=dffca67fff9f4edb">link </a>to the series about a super-scammer, mentioned on the pod, where an unfortunate number of innocent people were scammed out of their super. The moral of the story? It could happen to anyone! Don&rsquo;t let that be you.
SUSS OUT YOUR COVERAGE Our partners at Skye Wealth are personal insurance pros. Learn more about them over here at skye.com.au. As long standing referral partners, we only ever recommend people we trust.
NEW HERE? Join our Facebook Group (Search for: ShesontheMoneyAUS) 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 @shesonthemoneyaus for Q&amp;As, bite-sized tips, daily money inspo... and relatable money memes that just get you.
Acknowledgement of Country By Nartarsha Bamblett aka <a href="queenacknowledgements.com">Queen Acknowledgements&nbsp;</a>

Take It or Leave It: Could Taking Stress Leave Affect My Insurances?

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/02e65ca6-36b6-449e-8648-b442017f11b7/transcript

The Costs of IVF: Financing Your Fertility Journey

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