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How Much Should You Really Have in Savings? And What To Do If Your Financial Advice Feels Wrong Aug 28, 2025

Show notes

So… what is the magic number you should have when it comes to savings? Is it a neat percentage, a chunky dollar figure, or three months of bills sitting pretty in your account? This week we’re spilling the tea on how to work out your number, so you can stop guessing and start saving with a plan that actually makes sense for your life. Then we chat about what to do when financial advice doesn’t pass the vibe check. A community member was told to merge their life savings with their partner. Cute in theory, terrifying in practice. So, what do you do when the “experts” say one thing but your gut says absolutely not? We’re pulling apart the red flags, the real questions to ask, and why protecting yourself is the ultimate power move. And because it’s Friday, you know the chaos is here too: money wins (like a $340 dress scored for $80), broke tips that actually slap, and a ferret side hustle we did not see coming.

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.

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.

See omnystudio.com/listener for privacy information.

Michelle Battersby’s Playbook for Career Moves, Confidence, and Thriving in Tech Aug 26, 2025

Show notes

Ever wondered how people actually know when it’s time to quit, pivot, or back themselves in a huge career move? Well Michelle Battersby's career was made on those moves. She ditched her safe banking job to launch unkown dating app Bumble in Australia, co-founded her own tech company Sunroom (and sold it while pregnant), and even walked away from an “end-of-career” salary because her gut told her no. This episode is her playbook on doing the scary thing and landing on your feet... plus the inside scoop on Fanfix snapping up Sunroom and what she’s plotting next.
Michelle shares:
💻 The very first sign it might be time to make a career move
💻 Her go-to frameworks that turn “scary leaps” into strategic ones
💻 The career reframe that makes failure impossible
💻 The tiny work habits that make you look like an all-star employee
💻 How women can make serious money in tech without being a “tech bro”
Michelle's Links:
Follow Michelle on Instagram here and TikTok here.
Find out more about the ultimate motherhood app, Peanut, 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.

How a Former Pro Athlete Really Manages Her Money Aug 24, 2025

Show notes

Have you ever had to say no to something you couldn’t afford... and it completely changed your life? This week’s Money Diarist has. She was literally ranked top 10 in the world as a professional athlete… while earning less than $20k a year. (Yep, you heard that right. Top 10 in the world, but that's all she was paid). Backed by her powerhouse single mum, she trained, studied, worked odd jobs, and poured everything into her sport, until the moment came to head to Europe to compete and the price tag was just too high. That no changed everything. Fast forward to today and her money story looks very different. She’s swapped early morning training for a six-figure 9–5, added a pilates side hustle and has gone through a casual financial glow-up. Fast forward to today and she’s swapped early morning training for a six-figure 9–5, added a Pilates side hustle, and gone through a casual financial glow-up. This diary has it all: the brutal truth about money in elite sport, a comeback story worth cheering for, and the reminder that your “no” today might just be what sets you up for a much bigger yes tomorrow.

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.

Is a Car Novated Lease a Smart Money Move? And the Passion Vs Pay Cheque Career Debate Aug 21, 2025

Show notes

Is it really a money hack if it leaves you wondering whether you’re saving money… or just signing up for a fancier kind of debt? This week, we’re unpacking the financial mystery that is the novated lease & whether they’re a money win or just marketing spin. We cover how they work, when they make sense, and the sneaky traps to watch out for. Then we spiral (in the best way) into the classic quarter-life crisis: passion vs pay cheque. A community member is tempted to swap her secure, well-paying job for a career that lights her up and promises all the shiny lifestyle perks... but with kids in the mix, the pay cut comes with a whole extra layer of complexity. So of course we had to give our two cents and ask the rest of the community for theirs too. And because it’s Friday, we’ve got all your favourites; money wins from our incredible community, broke tips you’ll actually want to steal, and a healthy dose of chaos to wrap your week right!
PSA: If you want to treat yourself to the $60 facial we raved about from L’Occitane... here’s the link. You won’t regret it. And don't forget the $60 is redeemable on face care products on the day. Money win!

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 Victoria Devine Went From Hiding $40k Debt to Financial Freedom (And Lessons You Can Steal) Aug 19, 2025

Show notes

You know Victoria Devine as your finance hype girl… but for the first time ever, she’s sharing the part of her story you’ve never heard. The one where she was $40k in debt, lying awake at night wondering how on earth she’d dig herself out, and how she turned it all around.

This week, we’re going behind the scenes of V’s own money glow-up. How she went from maxed-out cards and money anxiety to complete financial freedom, and she’s not holding back. You’ll get the exact mindset shifts, money moves, and game-changing lessons she used, so you can steal them for yourself.

Inside her debt-free playbook:
💸 The moment V realised her debt wasn’t going to magically disappear (and what she did next)
💸 The first game-changing move she made to start turning it all around
💸 How she stayed motivated when the numbers felt way too big
💸 The sneaky spending habits she had to break... and the ones she kept
💸 The mindset shift that made paying off $40k feel possible
💸 The money habits V still uses today to stay completely debt-free

See omnystudio.com/listener for privacy information.

Why Women Need to Work 50 Extra Days to Earn the Same As Men... And How to Push Back Aug 18, 2025

Show notes

Women need to work 50 extra days just to earn what men made last financial year… and today, August 19, marks those extra days. It’s called Equal Pay Day, and in this special bonus episode Victoria is joined by Dr Samone McCurdy from the Workplace Gender Equality Agency to unpack the reality of the gender pay gap.

But don’t worry, this isn’t your average “boring stats” chat. This is one of those conversations that’s equal parts frustrating, eye-opening, and empowering… the kind that’ll fire you up to demand better for yourself and for every woman who comes after you.

Inside this ep:
💸 Why the gender pay gap isn’t just “equal pay for equal work”
💸 The real reasons women are stuck playing financial catch-up to men
💸 How the gap shows up beyond your your payslip and into every part of your money life
💸 How falling behind today snowballs into less wealth and fewer choices tomorrow
💸 Why “just ask for a raise” isn’t the fix, and what actually needs to change
💸 The practical moves you can make right now to start closing your own gap

Links & Resources:
🔗Sign up to the WGEA Newsletter
🔗More info on why Equal Pay Day even exists
🔗 The Gender Pay Gap Explained
🔗 How to Calculate a Gender Pay Gap
🔗How does your employer measure up?
🔗Compare your employer to your industry and national data

See omnystudio.com/listener for privacy information.

My New Husband Had $40k of Secret Debt. I Paid It, Then He Divorced Me. Aug 17, 2025

Show notes

What would you do if after your wedding you found out your husband was hiding $40,000 of secret debt? Well, this week's Money Diarist rolled up her sleeves, worked two jobs to pay it off… only for him to leave her afterwards. But plot twist: it turned out to be the best thing that could have happened to her. From financial betrayal to an unexpected glow-up, today’s diary has it all. Career wins, seriously good money habits, and the kind of second-chance love story that proves the boy you sat next to in primary school might just turn out to be your financial dream man. It’s messy, it’s funny, and it’s proof that sometimes life has bigger (and better) plans for your money than the ones you first signed up for.

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 Natarsha Bamblett aka Queen Acknowledgements.

See omnystudio.com/listener for privacy information.

Is this Giving MLM Vibes? And the Hidden Cost of Being Financially Responsible Aug 14, 2025

Show notes

If it looks like an MLM and quacks like an MLM… is it an MLM? That's the big dilemma our community member needs help with this week. Her brother is obsessed with a “self-development program” that’s apparently changing his life (and draining his bank account). Now he’s trying to sign up the rest of the family, and it's giving MLM vibes. Then we’re jumping into another all-too-relatable situation: being the financially responsible one in a relationship. You’re saving for a shared goal, they’re spending big elsewhere. How do you get on the same page without turning into the budget police? It's slightly chaotic, surprisingly wise, and just the Friday fix you need.

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.

Investing Diary: How This SOTM Team Member Built Her Portfolio (And Could Retire At 35) Aug 12, 2025

Show notes

You guys have been BEGGING for a pervy look at the SOTM team’s money stories… and we finally have a volunteer. Brooke is not just responsible for our courses and video content, she is one of the best investors we know. So trust us, you’re going to want to take notes.

From her very first investment to a 6-figure portfolio that’s on track to let her retire at 35 (!!), Brooke has built it all from the ground up with no family handouts or a finance degree. Just smart choices, consistency, and simple strategy. If you’ve ever wondered what it really takes to become a confident, consistent, and ridiculously effective investor, this is your behind-the-scenes pass.

Here’s what’s inside:
📈 How she built a $100k+ portfolio by 27
📈 The exact investment mix powering her early retirement goal
📈 The low-effort habit that keeps her wealth growing in the background
📈 The investing mistakes she’s made (and what she learned from them)
📈 The small tweaks that supercharged her returns
📈 Why starting tiny might be the smartest investing move you ever make
If you want to hear more investing content with Brooke let us know in the comments below!
WANT MORE INVESTING CONTENT: Head here to find our investing freebies, podcast playlists and course information.

See omnystudio.com/listener for privacy information.

She Quit Her 9-to-5 and Pulled Off the Ultimate Career Glow-Up Aug 10, 2025

Show notes

Ever dreamed about walking out of your 9–5 and building something completely different... something that changes your life and other people’s? This week’s Money Diarist actually did something exactly that. She walked away from the kind of job that makes you watch the clock, stepped into an industry most women don’t even look twice at… and turned it into a seven-figure business. Yep. Seven. Figures. Now she’s using that success to bring more women into the fold, helping them build skills, confidence, and the kind of “I can handle anything” energy you can take anywhere. We chat about the hustle, the hiccups, the debt-free dream home plan, and (because why not) her future holiday house overseas. If you’ve ever thought “I could never do that,” you might after this.

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 Natarsha Bamblett aka Queen Acknowledgements.

See omnystudio.com/listener for privacy information.

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