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

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.

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

Who among us has struggled with spending? Alright, how many of you answered ‘yes’ because you struggle to *spend* money, rather than spending it too freely?

This week on Friday Drinks, Bec and Jess discuss a handful of money dilemmas from our community, including one about having a frugal money mindset that’s actively impacting your ability to spend. They also discuss whether it’s worthwhile to withdraw your investments to fund a business idea. 

Join us for another playful episode featuring a silly Question of the Week, plus, Money Wins and Broke Tips, including how to extend the life of your continental cucumbers. (We've never needed a video episode more.)

MONEY ON YOUR MIND: How much do you understand about your money mindset? Take this quiz to find out.

STRUGGLE WITH SPENDING? Here’s a link to our budgeting page and playlists. Whether you’re overspending or looking to introduce responsible spending into your budget, perhaps allocating funds towards particular things might help shift your mindset.

KNOW YOUR RISKS During this episode we discussed the pros and cons of withdrawing your investments to fund a business idea. Check out this blog on why we tend to steer away from short-term investments.

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 - 4451289

Who among us has struggled with spending? Alright, how many of you answered &lsquo;yes&rsquo; because you struggle to *spend* money, rather than spending it too freely?
This week on Friday Drinks, Bec and Jess discuss a handful of money dilemmas from our community, including one about having a frugal money mindset that&rsquo;s actively impacting your ability to spend. They also discuss whether it&rsquo;s worthwhile to withdraw your investments to fund a business idea.&nbsp;
Join us for another playful episode featuring a silly Question of the Week, plus, Money Wins and Broke Tips, including how to extend the life of your continental cucumbers. (We've never needed a video episode more.)
MONEY ON YOUR MIND: How much do you understand about your money mindset? Take this quiz to find out.
STRUGGLE WITH SPENDING? Here&rsquo;s a link to our budgeting page and playlists. Whether you&rsquo;re overspending or looking to introduce responsible spending into your budget, perhaps allocating funds towards particular things might help shift your mindset.
KNOW YOUR RISKS During this episode we discussed the pros and cons of withdrawing your investments to fund a business idea. Check out this blog on why we tend to steer away from short-term investments.
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 - 4451289

Hear Me Out: I Struggle To Spend Money  

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/7280a3fb-d44a-4a29-b559-b47200ad7be1/transcript

Tax. You’ll do it “later”, right? Famous last words, my friends. This week’s Deep Dive is here to save your EOFY by giving you a laundry list of things to consider ahead of June 30. 

Whether you’re employed, a side-hustler or a sole trader, Victoria and Jess have gathered their recommendations for approaching the new financial year with confidence – and they’ve got the receipts to prove it.

They’ll cover the latest changes to CGT, including how and when it might impact your investments, as well as immediate considerations if you’ve been worried about your accounting habits. 

From claims, offsets, salary sacrificing, BAS, GST, and tax brackets to defining what really makes your hobby a business, tune in for answers to those tax questions that you were too embarrassed to ask your accountant (again).

This episode is brought to you by Hnry, Australia’s largest tax automation and accounting service, just for sole traders. Head to hnry.com.au to never think about tax again.

READ THE BUSINESS BIBLE: Have questions about starting or running your business? VD wrote a whole (award-winning) book on this topic called The Business Bible: How to build a successful business – and a life you love.

CONSIDERING A PIVOT: Grab a copy of our Career Pivot Guide over here. 

MAX YOUR TAX: Want more ways to maximise your tax return? Tune into this playlist.

ASK THE ATO COMMUNITY: Have a specific tax question or need something niche explained by someone who’s been there before? Check out the ATO Community (https://community.ato.gov.au/s/).

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 (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

Tax. You&rsquo;ll do it &ldquo;later&rdquo;, right? Famous last words, my friends. This week&rsquo;s Deep Dive is here to save your EOFY by giving you a laundry list of things to consider ahead of June 30.&nbsp;
Whether you&rsquo;re employed, a side-hustler or a sole trader, Victoria and Jess have gathered their recommendations for approaching the new financial year with confidence &ndash; and they&rsquo;ve got the receipts to prove it.
They&rsquo;ll cover the latest changes to CGT, including how and when it might impact your investments, as well as immediate considerations if you&rsquo;ve been worried about your accounting habits.&nbsp;
From claims, offsets, salary sacrificing, BAS, GST, and tax brackets to defining what really makes your hobby a business, tune in for answers to those tax questions that you were too embarrassed to ask your accountant (again).
This episode is brought to you by Hnry, Australia&rsquo;s largest tax automation and accounting service, just for sole traders. Head to <a href="hnry.com.au">hnry.com.au </a>to never think about tax again.
READ THE BUSINESS BIBLE: Have questions about starting or running your business? VD wrote a whole (award-winning) book on this topic called The Business Bible: How to build a successful business &ndash; and a life you love.
CONSIDERING A PIVOT: Grab a copy of our Career Pivot Guide over here.&nbsp;
MAX YOUR TAX: Want more ways to maximise your tax return? Tune into this playlist.
ASK THE ATO COMMUNITY: Have a specific tax question or need something niche explained by someone who&rsquo;s been there before? Check out the ATO Community (https://community.ato.gov.au/s/).
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 (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

Answers to Tax Questions You Were Too Afraid To Ask 

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/62667939-3406-4b52-9679-b47101824902/transcript

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

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