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Raising Money-Smart Kids & Feeling Stuck in a Joint Mortgage Aug 07, 2025

Show notes

What do you do when your financial goals clash with the people closest to you? This week, we’re diving into the messy, emotional side of shared finances, from property co-ownership drama to parenting across two households with totally different money vibes. First up: one listener is trying to build a future with her partner, but there’s a major catch... he owns a home with his sister, and she’s not ready to move on. We unpack what happens when family, finances, and real estate get tangled, and how to protect your relationship (and your sanity) when it’s time to move forward. Then, we get into a dilemma so many of you will relate to: how do you teach kids good money habits when they’re growing up between two completely different financial worlds? We talk boundaries, budgeting, and how to raise financially savvy humans without starting a family feud. Plus, we’ve got everything you need to kick off your weekend right: Your favourite money wins and confessions, broke tips you'll want to steal and all the unhinged chats you love.

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.

The Rich Girl Mindset (And How to Get It) Aug 05, 2025

Show notes

Wanna know the #1 thing rich people do differently? It’s not their salary. It’s not their savings. It’s their mindset... and it’s learnable. This week, Victoria’s spilling the tea on Rich Girl Mindset, because truth bomb: it doesn’t matter how much you earn if you’re stuck in a loop of self-doubt, scarcity, and “I’m just bad with money” energy. We’re diving deep into the beliefs that are keeping you small, broke, or just constantly stressed, and replacing them with the kind of money mindset that actually builds confidence, clarity, and calm. This isn't about manifesting or toxic positivity. It's real talk that rewires your brain and gets your money working with you.

In this ep you’ll learn:
💸 The #1 mindset trap keeping you stuck in “just getting by” mode (and how to get out)
💸 What every Rich Girl actually knows, and how to start thinking like one today
💸 The hidden money beliefs from your past that are quietly holding you back
💸 Two mindset shifts that’ll change the way you earn, spend, and feel about money
💸 The sneaky ways you might be self-sabotaging your financial glow-up
💸 Why your income doesn’t define your financial confidence, but this does

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.

When the Unimaginable Happens Aug 03, 2025

Show notes

What happens when life changes in an instant, and the world expects you to carry on? This week’s Money Diarist had everything in motion: a new home with a pool, $40k in savings, a baby on the way, and a backyard wedding just around the corner. But days before she was meant to walk down the aisle, she faced the unimaginable: her daughter was stillborn. In this deeply personal and courageous conversation, she opens up about what came next; grappling with grief, navigating systems that weren’t built for moments like this, and trying to stay afloat when everything felt like it was sinking. From Centrelink confusion and being forced back to work too soon, to finding moments of light in Taylor Swift concerts, this is a story of love, loss, and learning how to begin again.

Content warning: This episode contains discussion of stillbirth, grief, and pregnancy loss. If this topic is sensitive for you, please take care when listening or skip this one altogether. For support, you can contact Red Nose Grief and Loss on 1300 308 307, which offers 24/7 bereavement care and specialised support for anyone affected by miscarriage or stillbirth.

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 It Time To Sell Your Property? And Can You Say You're Broke if You're Just Out of Fun Money? Jul 31, 2025

Show notes

How do you know when it’s time to sell a property? Whether it’s your investment, your starter home, or just the one with the dodgy plumbing that won’t stop haunting you, this week we’re diving into a dilemma one listener’s facing: is it smarter to cash out now, or hold on and hope for the best? We unpack what actually makes a property worth keeping, when it’s smarter to cut your losses, and how to weigh up the financial stress against the long-game payoff... without losing your sanity (or your savings) in the process. Then, we get into a spicy little debate courtesy of another DM: can you say you’re “broke” when you have savings but you're just out of "fun money"? We're talking the emotional side of money language and why “broke” means different things to different people. Plus we've got you favourite money wins and confessions, broke tips nd enough financial chaos to carry you straight through the weekend.

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.

Your Future Self is Begging You To Listen to This Episode (Let's Talk How Much Super You'll Really Need) Jul 29, 2025

Show notes

Trying to figure out how much super you actually need? Yep, it’s confusing. With all the numbers, charts, and retirement buzzwords flying around, it’s no wonder most of us throw it in the “deal with it later” pile. But future you? They’re going to be so glad you tuned in.

This week, Victoria’s giving you the real talk on super: why comparing your super to everyone else’s might leave you short, how to figure out your own retirement number and what to do if you’re feeling a little (or a lot) behind. This episode is all about ditching the overwhelm and making you feel empowered by your super.

In this ep you’ll find:
💸 The average super balances everyone’s curious about
💸 What the “ASFA comfortable retirement” number is... and if we’re buying it
💸 How much super you'll actually need for the retirement lifestyle you want
💸 A stack of free tools that do the hard maths for you
💸 The easiest way to check if you’re on track
💸 Tiny super habits that can have a serious impact on your balance

RESOURCE LINKS:
Super Detective: Calculates the super balance the ASFA says you should have today, based on their numbers for a comfortable retirement.
Money Smart's Super Calculator: Calculates your super balance at retirement.
Money Smart's Retirement Planner: Calculates your yearly retirement income, including any super you could be eligible for.

See omnystudio.com/listener for privacy information.

How She Went From Centrelink to $100k Investment Portfolio and Multiple Properties Jul 27, 2025

Show notes

She grew up on Centrelink. Now she’s got $240K in super, six figures in shares, and two properties... all before 35. This week’s Money Diary isn’t just inspiring. It’s a masterclass in breaking the cycle, building serious wealth, no matter where you are starting from.

She’s a teacher, a mum of two, and someone who’s turned smart, consistent money moves into real financial freedom. This episode is packed with practical tips, investing inspo, and clever hacks you’ll actually want to try. If you’ve ever felt behind, stuck in a scarcity mindset, or unsure how to even start building wealth, this one’s full of lessons for you. Because spoiler: you don’t need to come from money to make money.

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 Change Careers? And a Wedding Budget Blowout Drama Jul 24, 2025

Show notes

Ever felt like your job’s covering the bills but slowly crushing your soul, and caught yourself wondering, surely there’s more to life than this? This week, we dive headfirst into the career pivot spiral: is chasing a dream job worth the financial hit, or should you suck it up and stay for the salary? We unpack the real costs (money, mindset, and missed brunches) and how to test-drive a new path without blowing up your budget. Then we dial up the drama with a DM from our community: her sibling’s throwing a fairytale wedding… funded by delusional levels of debt. Do you step in, say nothing, or just top up your champagne and smile through the financial meltdown? And as always, we’ve packed in your money wins (from free burgers to $30 fashion hauls), unhinged broke tips, and a healthy amount of feel-good chaos to carry you into the weekend.

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.

Troy Benjamin On How Backing Yourself And Asking For Help Can Really Pay Off Jul 22, 2025

Show notes

Ever felt like you’re one ask away from changing your whole life? Well, this episode is inspiration you need to shoot your shot. This week Victoria is sitting down with Troy Benjamin, hot off his big win at the 2025 NAIDOC awards. Troy is the powerhouse behind Blak Brews, a proudly First Nations-owned tea brand that started during COVID and has since grown into a full-blown national success story. But this episode isn’t just about business wins. It’s about what it really takes to back yourself and stop waiting for someone else to give you permission to go after what you want... AKA the pep talk you didn’t know you needed.

In this episode:
🍵 A better way to ask for help (and actually get a “yes”)
🍵 The sneaky ways ego could be messing with your money and momentum
🍵 Dealing with imposter sydrome, even when success shows up
🍵 The surprisingly simple mindset shift that helps you back yourself
🍵 A smarter approach to testing new ideas... without blowing your budget
Try Blak Brews tea and coffee here, follow them on Instagram and Facebook and visit them at the Booln Booln cafe.

See omnystudio.com/listener for privacy information.

When the Cost of Living Hits Hard Jul 20, 2025

Show notes

Feeling the cost of living squeeze? This week’s Money Diarist is too. She’s a vet, a mum of two, and part of a household doing all the “right” things… but still feeling seriously stretched. With interest rates climbing and every non-essential cut (yep, even the home internet), she’s in one of those seasons where money stress is just part of the daily juggle. This one is real, and way too relatable.
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 Wait to Lodge Your Tax For the 20% HECS Discount? And a Spicy DM About Unequal Pay Jul 17, 2025

Show notes

The HECS 20% discount has the whole community buzzing, and we’ve been getting so many DMs asking whether you need to wait to lodge your tax return because of it. And because we love you, Victoria went full finance detective and called the ATO herself (Yes, she waited on hold so you don’t have to). We’ve got all the tea on what you need to do, and where the government’s actually at with rolling it out. Then things get very spicy when a community memeber drops into our DMs with the ultimate workplace dilemma: she accidentally found her colleague’s payslip... and he’s making 25% more for the same role. What would you actually do? Do you go to your boss, pretend you never saw it, or start job hunting with a vengeance? Plus, as always: juicy money wins, broke tips (yes, including how to get paid just for driving safely), and a big dose of feel-good chaos to wrap your week right.

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.

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