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The Teen Mum Who Went From Centrelink to a Six-Figure Life Oct 12, 2025

Show notes

Ever feel like everyone else’s life is speeding ahead while you’re stuck in the slow lane? This week’s Money Diarist knows that feeling too well. While her friends were off travelling, she was juggling uni deadlines and midnight feeds. At 17, she was pregnant and kicked out of school for being a “bad example.” Instead of giving up, she finished Year 12 through TAFE, raised her baby, went to uni, and rebuilt her life from scratch, all while living on Centrelink. Fast forward a decade and she’s earning six figures, owns her home, and has cleared every cent of personal debt. But getting here meant facing down shame, comparison, and that constant feeling of being “behind”… so this ep is full of the real talk we all need to hear. This episode is your reminder that it doesn’t matter where you start, you can still build something incredible from right where you are.

GET VICTORIA'S BUDGETING SYSTEM: Master your cashflow 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 - 4

See omnystudio.com/listener for privacy information.

How Much Should You Actually Save Before Having a Baby? And Balancing Travel Dreams Vs Buying a Home Oct 09, 2025

Show notes

Ever feel like your money goals are at war with your life goals? Like one minute you’re saving for a house… and the next you’re convincing yourself a Euro summer is “an investment in personal growth”? This week’s DM came from someone stuck right there... her partner’s all-in on buying a home, while she’s eyeing flights. And honestly? We get it. Because trying to choose between living life and getting ahead feels like an impossible math problem. So we’re unpacking whether travel really sets you back… or if it’s just a different kind of wealth that doesn’t show up in your net worth. Victoria's breaking down how to make those big-money decisions (trips, weddings, babies, the whole lot) without losing sight of Future You, or resenting Current You for having fun. And speaking of big milestones… we’re also getting real about how to actually prep for parental leave. From test-driving life on one income to building a “sanity fund” that actually covers what you’ll really need, not just the boring stuff. Plus, it's Friday so there's all the money wins, broke tips and money goss you 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.

See omnystudio.com/listener for privacy information.

Brooke’s FIRE Plan: How She’s Investing to Retire at 35 Oct 07, 2025

Show notes

Retiring early is the ultimate dream... so when Brooke casually dropped that she’s on track to do it by 35 (without the Bank of Mum and Dad), you all screamed a collective “HOW?!”

So of course, Victoria had to get her back in the studio to spill everything... and more importantly, share what the rest of us can steal from her strategy without living on two-minute noodles. Turns out, it’s not magic, she started on a $50K salary and built it dollar by dollar with smart habits, steady investing, and a money plan that’s more about options than obsession. Think of this as your crash course in Financial Independence, Retire Early (FIRE) for people who still love a little bit of fun money. Because the real flex isn’t retiring early, it’s having the kind of financial independence that lets you choose what your dream life looks like.
Inside this ep:
📈 What a “FIRE number” actually is (and how to figure out yours)
📈 Why “Barista FIRE” could be the soft-life version of early retirement
📈 Super vs shares: how to choose the smarter move for your future
📈 Mindset shifts that totally changed the game for her
📈 The small money systems Brooke swears by (and how to copy them)
📈 Why even a 1% change in your savings rate can shift your whole future

LEARN TO INVEST CONFIDENTLY: Our Investing Masterclass is open, enroll 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.

See omnystudio.com/listener for privacy information.

Money Confessions: What It Actually Costs to Launch a World-First Product (While Juggling 2 Kids and a Mortgage) Oct 05, 2025

Show notes

Ever wondered what it really costs to turn a light-bulb moment into something real? This week’s Money Diarist is a mum of two who did exactly that. She created a world-first product that launched just two weeks ago, and now she’s here to do what most founders wouldn’t: spill on every dollar it took to make it happen. From losing out to a dodgy sourcing agency to somehow pulling together $200K through pure determination, she’s laying it all out... the risks and the real-world chaos of betting on yourself. Inside the ep, we talk what it actual costs to get a product made, and how she’s juggling start-up life, toddler meltdowns, and a mortgage. It’s messy, bold, and so unbelievably relatable.

GET VICTORIA'S BUDGETING SYSTEM: Master your cashflow 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.

See omnystudio.com/listener for privacy information.

Should you use equity in your home to buy a car? And Is Asking for Trust Fund Cash the New First-Birthday Trend? Oct 02, 2025

Show notes

Have you ever wondered if you can use home equity to buy something else you need… like a car? The low interest rate makes it sound like the ultimate hack, but would it really be the money win it feels like... or are you just turning a car loan into a decades-long debt trap? We’ve got the receipts. And just when we thought we’d seen it all, a community member slid into our DMs with a first-birthday invite that came with a twist: instead of saying no presents, it asked for something that we'd never heard of before. Is it genius, or the kind of ick that makes you want to run to Kmart for a noisy plastic toy out of spite? We’re divided, the community’s divided, and you’re definitely going to have thoughts. Of course, it wouldn’t be Friday without your fave money wins, broke tips and a sprinkle of our signature unhinged chaos to kick off the weekend.
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.

See omnystudio.com/listener for privacy information.

Your Superannuation Glow-Up Part 1: The $0 Tweaks That Could Change Your Retirement Sep 30, 2025

Show notes

You’ve listened to our episode about how much super you really need… but knowing your number is only half the story. The real question? How do you actually get there. Enter our Superannuation Glow-Up series. Part 1 is all about getting the right foundations in place for you and Victoria is serving up the $0 tweaks that could completely shift the trajectory of your retirement.
💸 A quick “pay check” that could expose if you’re missing money
💸 The free tool that makes choosing a fund way less overwhelming
💸 An account default that might be sabotaging your future wealth
💸 Why even the smallest return differences are actually a really big deal
💸 The clean-up move that could stop you burning money on pointless fees
LISTEN TO: Your Future Self Is Begging You To Listen To This Episode (Let's Talk How Much Super You'll Really Need)

LINK: Your Super Comparison Tool

See omnystudio.com/listener for privacy information.

She Was Told She’d Never Make It. 200 Rejections Later, She Proved Them Wrong. Sep 28, 2025

Show notes

What do you do when you’ve applied for hundreds of jobs and all you’ve got is rejection emails? This week’s Money Diarist knows the answer.... because she kept going. But this episode isn’t just about the knock-backs. It’s about grit, glow-ups, and the moment everything finally flipped. From small-town “you’ll never make it” whispers to proving every single doubter wrong, this one will hit every nerve if you’ve ever felt stuck, behind, or ready to give up.

GET VICTORIA'S BUDGETING SYSTEM: Master your cashflow 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.

See omnystudio.com/listener for privacy information.

How Much Does HECS Really Affect Your Borrowing Capacity? And Handling Your Parents Bad Financial Decisions Sep 25, 2025

Show notes

We’ve all heard HECS is a deal-breaker for your borrowing capacity… but is it really the villain it's made out to be? We’ve got the tea on how much your HECS actually matters when you’re trying to get a loan... and let’s just say, the maths might surprise you. And because Fridays love a little family drama, we’re also talking about the stress of parents making very questionable financial moves. Do you bite your tongue, or pull out the calculator and stage an intervention? We’ve got thoughts. Plus, the classics: money wins worth stealing, broke tips that actually deliver, and a sprinkle of financial chaos to make you feel seen.

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

Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

See omnystudio.com/listener for privacy information.

How to Cash in on Your Hobby (and Start a Business With Your Bestie) with Sweet Bakes & Miss Trixie Sep 23, 2025

Show notes

Ever wondered if the hobby that you love could be the thing that pays your rent? That’s the story of Alice (Miss Trixie Drinks Tea) and Alisha (Sweet Bakes), two women who turned frosting and fun into booming businesses. And after fangirling over each other on socials and becoming baking besties IRL, they did what most of us only joke about... they started a business together. From side-hustle beginnings to sold-out retreats in France, brand collabs, and even launching their own pastel-pink kitchen space and creative hub, these two have learnt exactly what it takes to turn passion into profit and start a business with your bestie without blowing up your friendship.

In this episode:
🍰 How to know when your “fun little hobby” is ready to be a full-time gig
🍰 What it’s really like to go into business with your bestie
🍰 Their secret recipe for mixing mates and money
🍰 A money win that landed them a free car (and why shooting your shot matters)
🍰 The PR play that had journalists fighting for an “exclusive” on their business launch
🍰 How they hacked social media without chasing every trend (and why it worked)
LINKS: Find Sweet Bakes (Alisha) and Miss Trixie Drinks Tea (Alice) on Instagram, and check out their dreamy kitchen and creative hub, Co. Bake Space.
Get your business accounting admin sorted: Head to myob.com and sign up to Solo for $12 for 12 months.

See omnystudio.com/listener for privacy information.

Dear SOTM Community: You’re Not Behind (Even If It Feels Like You Are) Sep 21, 2025

Show notes

Surprise! No Money Diary today... V has hijacked your Monday feed for something different. Think of this one as a little love note from her to you (with a side of tough-love pep talk). Because if you’ve ever scrolled past someone’s new house, new ring, new six-figure job and thought “cool, I’m officially behind on life”… this episode is basically your antidote. Victoria is here to rip up the money timeline, call BS on hustle culture, and admit that success might look more like coffee in the sun than climbing some imaginary ladder.

Inside this ep:
🔥 The truth about “falling behind” (spoiler: it’s fake news)
🔥 When using your savings is actually a power move
🔥 The tiny rituals that matter more than the milestones
🔥 A pep talk from V that proves you’re doing better than you think

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.

See omnystudio.com/listener for privacy information.

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