It's Fri-yay angels, and to get you in the mood join V, J and B to wrap the week right. Jess shares your Money Wins, Bec brings the Broke Tips and we answer a Money Dilemma about calculating your Super for retirement.

Plus, we get a SPICY community D.M about subletting in a share house. Listen in to see who's side you're on!

Links

Want to try Marley Spoon? Use the code: VICTORIA on sign up and you'll get up to $225 off your first 7 boxes including free shipping on your first box!



Acknowledgement of Country By Natarsha 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.

It's Fri-yay angels, and to get you in the mood join V, J and B to wrap the week right. Jess shares your Money Wins, Bec brings the Broke Tips and we answer a <a href="https://www.shesonthemoney.com.au/ask-a-money-question">Money Dilemma</a> about calculating your Super for retirement.
Plus, we get a SPICY community D.M about subletting in a share house. Listen in to see who's side you're on!
Links
Want to try <a href="https://marleyspoon.com.au/">Marley Spoon</a>? Use the code: VICTORIA on sign up and you'll get up to $225 off your first 7 boxes including free shipping on your first box!
 
Acknowledgement of Country By <a href="https://www.instagram.com/queenacknowledgements">Natarsha Bamblett aka 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.

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.

To Sublet, or Not To Sublet?

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/2786dbaa-ab5f-4a59-a384-b03e003b34b2/transcript

If you’ve ever told yourself investing is something you’ll get to later, when you have more money, more brain space, or a slightly more put-together life… this episode is about to ruin all of those excuses in the best way. Today, the one and only Bec Syed has volunteered to jump into the Investing Diaries seat so we can get pervy on her first year as an investor (and yes, it’s exactly as Bec-coded as you’d expect). She walks us through how she went from not really understanding what investing even was, to building an almost $1,500 investment portfolio in the background of her very normal, but very chaotic life. (Yep, we're so proud of her too!) We get into what it actually looks like to invest when you don’t have heaps of spare cash, why round-ups and automation are a game changer, and how seeing tiny wins along the way completely changed how money feels. In her lovable Bec way she's honest about the confusion, the questionable decisions, the accidental wins, and the fact that she still very much learning as she goes. It’s proof that you don't have to have it all figured out when it comes to investing, you just need to start. And if Bec can do it… honestly, so can you.

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. 

SHARESIES CODE: Sign up to Sharesies, deposit any amount and get a bonus $10 to invest, T&Cs apply.

VISIT OUR INVESTING HUB: You'll find all our investing freebies, resources, courses & podcast playlists 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 told yourself investing is something you&rsquo;ll get to later, when you have more money, more brain space, or a slightly more put-together life&hellip; this episode is about to ruin all of those excuses in the best way. Today, the one and only Bec Syed has volunteered to jump into the Investing Diaries seat so we can get pervy on her first year as an investor (and yes, it&rsquo;s exactly as Bec-coded as you&rsquo;d expect). She walks us through how she went from not really understanding what investing even was, to building an almost $1,500 investment portfolio in the background of her very normal, but very chaotic life. (Yep, we're so proud of her too!)&nbsp;We get into what it actually looks like to invest when you don&rsquo;t have heaps of spare cash, why round-ups and automation are a game changer, and how seeing tiny wins along the way completely changed how money feels. In her lovable Bec way she's honest about the confusion, the questionable decisions, the accidental wins, and the fact that she still very much learning as she goes. It&rsquo;s proof that you don't have to have it all figured out when it comes to investing, you just need to start. And if Bec can do it&hellip; honestly, so can you.
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://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;
SHARESIES CODE: Sign up to <a href="https://sharesies.com.au/">Sharesies</a>, deposit any amount and get a bonus $10 to invest, T&amp;Cs apply. VISIT OUR INVESTING HUB: You'll find all our investing freebies, resources, courses &amp; podcast playlists <a href="https://www.shesonthemoney.com/investing">here</a>. 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.

Bec's Investing Confessions: Her First Year in the Share Market

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/94761664-8c7c-461b-9ea4-b3cd0005a82e/transcript

If you’ve ever looked at your debts and thought… I know I need to deal with this, I just don’t know where to start, this episode is for you. This is the next step in our Summer Starter Series, where we’re going back to the foundations that help you get on top of your money, in a way that actually feels manageable. In episode one we got ontop of our 4 most important numbers to know... what you earn, spend, own and owe, and today we're making a plan for that last one. We talk through how to prioritise your debts when you have more than one, how to choose a repayment strategy that fits your personality, and how to get out of that frozen, head in the sand feeling that keeps so many people stuck for way longer than they need to be. Victoria breaks down why some debt feels heavier than others, why paying the “wrong” one first can kill your motivation, and how to build momentum with your repayments. If debt has been stressing you out, this episode will help you feel clearer, calmer, and ready to take your next step.

LISTEN TO EP 1: Budgeting and Cash Flow
FURTHER LISTENING: How to pay off debt podcast playlist

VISIT OUR BUDGET AND DEBT HUB: All our budgeting and debt rescoources are here. 

FREEBIES: All our best free money resources in the 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.

 

If you&rsquo;ve ever looked at your debts and thought&hellip; I know I need to deal with this, I just don&rsquo;t know where to start, this episode is for you. This is the next step in our Summer Starter Series, where we&rsquo;re going back to the foundations that help you get on top of your money, in a way that actually feels manageable. In episode one we got ontop of our 4 most important numbers to know... what you earn, spend, own and owe, and today we're making a plan for that last one. We talk through how to prioritise your debts when you have more than one, how to choose a repayment strategy that fits your personality, and how to get out of that frozen, head in the sand feeling that keeps so many people stuck for way longer than they need to be. Victoria breaks down why some debt feels heavier than others, why paying the &ldquo;wrong&rdquo; one first can kill your motivation, and how to build momentum with your repayments. If debt has been stressing you out, this episode will help you feel clearer, calmer, and ready to take your next step. LISTEN TO EP 1: <a href="https://open.spotify.com/episode/68pV9K8txpdWpwVDG0txYm?si=4d2a42466f364edd">Budgeting and Cash Flow</a> FURTHER LISTENING:<a href="https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=bcc956638f1f4cb6"> How to pay off debt podcast playlist</a>
VISIT OUR BUDGET AND DEBT HUB: All our budgeting and debt rescoources are <a href="https://www.shesonthemoney.com/budgeting-and-debt">here</a>.&nbsp; FREEBIES: All our best free money resources in the one place <a href="https://www.shesonthemoney.com/blog/free-finance-resources">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.
&nbsp;

Summer Starter Series: Managing Debt

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/b799b734-2a97-41ad-9467-b3bc0062a797/transcript

If you’ve ever thought you should see a financial advisor, but also wondered if it's a now or later thing… this one’s for you. We’re chatting about that stage so many of us sit in. You want to do the right thing with your money, but you’re not sure whether a financial advisor makes sense for your current situation. We talk through when financial advice can really help, when it’s probably not necessary, and the other ways you can get clarity without spending a small fortune. Then things turn into a moral mine field... What do you do when you’re watching a situation unfold that doesn’t sit right with you, and you don’t actually have the authority to fix it? This week we dive into a DM from someone who’s deeply worried about a dog that’s been injured, emergency care paid for, but follow-up vet visits that keep getting pushed back. It opens up a really uncomfortable conversation about caring more than the person responsible, where the line is between helping and overstepping, and how hard it is to sit with concern when the final decision isn’t yours. Plus, as always, we’ve got community money wins, broke tips that are actually useful, and the kind of Friday chat that reminds you you’re not alone in any of this.

$10 meals with Chelsea: Visit her website here and listen to her episode with us here. 

THE BEST SOTM FREEBIES:Your 2026 Fresh Start: Free Money Tools You’ll Love

Need the team’s take on your money dilemma? Send us a voicemail here.
Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. 


Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here.

Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. 

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 thought you should see a financial advisor, but also wondered if it's a now or later thing&hellip; this one&rsquo;s for you. We&rsquo;re chatting about that stage so many of us sit in. You want to do the right thing with your money, but you&rsquo;re not sure whether a financial advisor makes sense for your current situation. We talk through when financial advice can really help, when it&rsquo;s probably not necessary, and the other ways you can get clarity without spending a small fortune. Then things turn into a moral mine field... What do you do when you&rsquo;re watching a situation unfold that doesn&rsquo;t sit right with you, and you don&rsquo;t actually have the authority to fix it? This week we dive into a DM from someone who&rsquo;s deeply worried about a dog that&rsquo;s been injured, emergency care paid for, but follow-up vet visits that keep getting pushed back. It opens up a really uncomfortable conversation about caring more than the person responsible, where the line is between helping and overstepping, and how hard it is to sit with concern when the final decision isn&rsquo;t yours.&nbsp;Plus, as always, we&rsquo;ve got community money wins, broke tips that are actually useful, and the kind of Friday chat that reminds you you&rsquo;re not alone in any of this. $10 meals with Chelsea: Visit her website&nbsp;<a href="https://www.chelseagoodwin.com.au/">here </a>and listen to her episode with us <a href="https://open.spotify.com/episode/3Yq1TvQT8ZsrAaMDNl6y9M?si=ef907a170359499e">here</a>.&nbsp;
THE BEST SOTM FREEBIES: <a href="https://www.shesonthemoney.com/blog/free-finance-resources">Your 2026 Fresh Start: Free Money Tools You&rsquo;ll Love</a>
Need the team&rsquo;s take on your money dilemma? Send us a voicemail&nbsp;<a href="https://www.shesonthemoney.com/podcast">here</a>. Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs <a href="https://www.instagram.com/shesonthemoneyaus?utm_source=ig_web_button_share_sheet&amp;igsh=ZDNlZDc0MzIxNw==">here</a>.&nbsp; 
Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. <a href="https://open.spotify.com/playlist/2XuYW23Cy9Gh1HdAqj6LwL?si=55725bce84b44cf8">Listen here</a>.
Join our 400K+ She's on the Money community in our <a href="https://www.facebook.com/groups/ShesontheMoneyAUS/">Facebook Group</a> and on <a href="https://www.instagram.com/shesonthemoneyaus/">Instagram</a>.&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.

How Do You Know When It’s Time to See a Financial Advisor? And the Vet Bill Situation That's a Moral Minefield

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/5daf3aea-8477-4062-be8c-b3c8009d70d7/transcript

To Sublet, or Not To Sublet?

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