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Can I Salary Sacrifice My Way to a Million Dollar Retirement? Sep 01, 2026

Show notes

Chats about super are slipping by the wayside, so we’re running it back for all the baddies who are ready to salary sacrifice for their retirement.

On this week’s Deep Dive, Bec and Victoria are discussing the power of your superannuation to completely transform your wealth today (as a lucrative tax vehicle) and well-into the future. The gang explains what superannuation is, how salary sacrificing works, and how you might work your wealth to better support your long-term investments.

Tune in to hear about the First Home Super Saver (FHSS), the relevant contribution caps for the current income year FY27 and why your accountant keeps bugging you to make top-up payments to lower your tax bill.

SUPERCHARGE YOUR SUPERANNUATION: There’s a playlist to help you do it over at https://open.spotify.com/playlist/4TDg1Pe0xmTbSlY3lD5p41?si=-ZIwE0GCTD-5MxixtVaaaw.

SUPER 101: More of a scroller? Peep this blog on how to get your superannuation sorted. Search superannuation 101 at shesonthemoney.com/blog/.

SCHEMIN? But, of course. Here’s more info about the First Home Super Saver scheme. Thanks ATO! https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/withdrawing-and-using-your-super/early-access-to-super/first-home-super-saver-scheme

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

See omnystudio.com/listener for privacy information.

$40K Deposit, Two Government Schemes and a Home by 25 Aug 30, 2026

Show notes

At 27, this week’s Money Diarist has two STEM degrees, earns $140,000 a year, has $90,000 in super and owns a townhouse two kilometres from the beach. And no, there wasn’t a giant cheque from Mum and Dad hiding somewhere in the background. After becoming financially independent young and spending her uni years juggling study and work, she and her partner made buying a home one of their first big goals after graduating. They used the First Home Super Saver Scheme and First Home Guarantee to buy a $650,000 townhouse with a $40,000 deposit in 2024. Two years later, it’s estimated to be worth around $810,000, their mortgage is down to $575,000 and their extra repayments have already shaved four years off the life of their loan. We talk about exactly how she used the First Home Super Saver Scheme, why they still have a housemate despite earning good money, her $30,000 HECS debt, salary sacrificing into super and the very cute joint account that basically tells her and her partner when they’re overdue for a date night. Because earning more is great. But building systems that mean the money actually goes somewhere? Even better.

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.

See omnystudio.com/listener for privacy information.

I’ve Been Sent $10k. No Description. What Now? Aug 27, 2026

Show notes

New intro, who dis? This week’s Friday Drinks is hosted by Victoria Devine, your favourite linen lover Jessica Ricci, and budding ceramicist Bec Syed.
During this episode, the gang will be bringing you the very best Money Wins, Broke Tips and polarising opinions of the week. They will be having a heated chat about superior sundae toppings and whether choc mint is ever a welcomed flavour sensation.

They’ll also be covering your Money Dilemmas concerning debt, and a mysterious deposit of *checks notes* $10k. Very saucy indeed. And we’re not just talking about the hot fudge in your sundae. Tune in for compelling arguments for putting your Mint Slice in the fridge, and validation for folks with misophonia (specifically an aversion to chewing sounds) but for food wrappers. #strawberrysundaegate

PAY IT DOWN, BABY: Debt diminishing episodes delivered straight to your ears over here and at https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3

SHOW ME THE MONEY: No rly, show us your coin collection over at our Facebook Group (Search for: ShesontheMoneyAUS) 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+.

HOW TO MAKE YOUR RICHES, MAKE RICHES: A lot of what the rich do is stuff that’s actually learnable. We break it down for you over here on the blog. Search ‘richer’ at shesonthemoney.com/blog

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)

See omnystudio.com/listener for privacy information.

Personal Insurance & Chronic Illness: What’s Included & What’s Changed? Aug 25, 2026

Show notes

Endo. Chronic injury. Mental illness diagnoses. Updates to genetic testing. Let’s talk about it.

This episode comes at a time where the NDIS is being wound back for approx. 241,000 Australians. So, what does this mean if you are experiencing chronic illness, permanent injury or disability? And what financial support is in place to help you sustain a decent quality of life when government services are being pared back?

During this Deep Dive, we’ve invited friend of the pod, Phil from Skye Wealth to chat about the impact of chronic illness on our personal insurances. From stigma and stereotyping to the upcoming industry shifts that are happening around mental illness, join Victoria and Phil for an illuminating ep on what your options are in the year of our lord 2026.

CHAT WITH SKYE: Thanks again to our partners over at Skye Wealth for making this episode possible. If you're ready to chat to a professional about your personal insurance, we have a long standing referral partnership with Skye Wealth. Book your consult at https://www.skye.com.au/shesonthemoney

INSURANCE 101: Still grade yourself at about a B+ when it comes to money? Upgrade your knowledge with this playlist on personal insurance at https://open.spotify.com/playlist/1kdVBELk5klU7yzzFblSqe?si=F7bBhVGpShSQmgWf8R4kEQ

LOVE NUMBERS? Here are some stats on the various kinds of claims being paid out across Australia from 2024. Visit insurancewatch.com.au/insurance-claims-statistics.html for more info.

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)

See omnystudio.com/listener for privacy information.

I Lost Thousands in Bad Relationships. Rebuilding My Finances Changed Everything. Aug 23, 2026

Show notes

Sometimes the biggest financial setbacks have nothing to do with money. After migrating to Australia from Malaysia, she watched her family go from a comfortable life to starting over from scratch. Money wasn't something anyone talked about, especially the women in her family, so when she entered her first serious relationships, she had no idea what financial abuse or manipulation could look like.

By 28, she'd lost thousands, moved back in with her parents and felt like she was starting all over again.

But instead of staying there, she got curious.

She started learning about money, bought her first home on her own, built a share portfolio worth $70,000, grew her super to more than $280,000, and carved out a career as an emergency veterinarian earning up to $250,000 a year. Along the way, she also met a partner who supports her goals instead of holding her back.

We chat about financial abuse, rebuilding your confidence after unhealthy relationships, migrating to Australia, buying a home solo, planning for a family, and why sometimes the best investment you can make is believing you're capable of creating a different future.

If you've ever felt like you've fallen behind because of the wrong relationship, this one's for you.

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.

Would You Rather: Further Your Career or Your Place in the Property Market? Aug 20, 2026

Show notes

Hypothetically, if you were offered a role abroad that you couldn’t refuse, but you’d finally saved enough for a house deposit, would you stick around and try to enter the property market or further your place in the career department?

This week on Friday Drinks, Victoria, Bec and Jess cover all the important topics: career aspirations, home ownership and relationships.

We find out where the gang would travel to if they had $2k to drop on a holiday, plus Money Wins and Broke Tips from the community. Tune in if you’re looking for ways to find referral codes on your next purchase… or if you need a good brow gel replacement.

HOW TO BUDGET FOR YOUR DREAM TRAVELS: Tune into our playlist to help you plan for your dream trip at https://open.spotify.com/playlist/6xbOfw6jTVlqfoAzEzYv6v?si=xq-uwfsqQn2DnVrV0cAL1A

WANNA MAKE SOME EXTRA COIN? Did you know that you can earn $ by writing for Medium? Learn over here at medium.com/membership

HOW TO: TRAVEL ON A BUDGET: Here are our tips for travelling on a budget, now on the blog over here and if you search ‘travel’ at https://www.shesonthemoney.com/blog

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)

See omnystudio.com/listener for privacy information.

Investing in your 20s, 30s, and 40s: Tips for Each Lifestage Aug 18, 2026

Show notes

Something we hear super often is, “How do I invest now, to prepare for a comfortable retirement later on?”. To which we say, “That depends…”

In this week’s Deep Dive, Victoria and Bec unpack what you might need to invest each month to reach $1m by the time you reach retirement. Better than that, they’ll break it down by life stage so that there are relatable and actionable things to consider for you whether you’re in your 20s, 30s, 40s and beyond.

Rather than simply telling you to earn or save more, or get better at budgeting, the team shares considerations around things like investing habits, superannuation, and salary sacrificing that scale with the characteristics of your assets.

Rather than rushing in or feeling left out, this episode is about reframing your approach to investing over a lifetime.

GET YOUR FREE INVESTING CHEAT SHEET: It’s yours for the taking over at https://www.shesonthemoney.com/download-resources

HIGH-INTEREST SAVINGS ACCOUNTS: We’ve compiled a list of some of Australia’s most competitive high=interest savings accounts over on the blog. Search ‘high-interest’ at www.shesonthemoney.com/blog

TUNE IN, TURN UP THE DIVIDENDS: Stream our investing playlist over at https://open.spotify.com/playlist/7iWOxtjWXFzTMLU6mtru2I

BROOKE'S FIRE PLAN: Learn how SOTM team member Brooke is investing to retire before 35, over at https://www.youtube.com/watch?v=NsuXtMcFLM8

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)

See omnystudio.com/listener for privacy information.

My Mum Spent My Savings. It Changed the Way I Think About Money Forever. Aug 16, 2026

Show notes

Growing up, her mum believed in spending now and worrying later. Her dad was the complete opposite. He planned ahead, saved where he could, and quietly showed her what financial security could look like.

After her parents separated, everything changed.

By 14, she'd landed her first job and was handing over every pay cheque, believing it was going straight into savings. It wasn't. When she finally asked for the money back, there was barely anything left.

That moment shaped everything that came next.

She worked three jobs while studying full-time, bought her first home on her own, met her now husband, and together they've built the life they'd always dreamed of. Today they're raising two little girls in their forever home on acreage, growing their investments and already thinking about the money lessons they'll pass on to the next generation.

We chat about growing up between two completely different money mindsets, buying a home solo in your twenties, building wealth as a family, finding a partner who champions your financial goals, and why sometimes the biggest gift a parent gives you isn't money. It's showing you the kind of person you want to become.

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.

Am I Being Medically Gaslit? And How Do I Invest My Inheritance? Aug 13, 2026

Show notes

Join Victoria and Bec for this week’s edition of Friday Drinks, filled with Broke Tips, Money Wins and a Question of the Week which puts our shower routines in the spotlight.

As always, the crew will be answering your Money Dilemmas, this time concerning income-protection insurance and whether a community member is being medically gaslit by their workplace.

They also chat about how one listener might invest their inheritance for the best outcome. Hear what it sounds like to be humbled by the community’s grooming habits, and give us crispy shower towels or give us death.

CHAT TO SKYE WEALTH: Get a second opinion when it comes to your personal insurances over at www.skye.com.au/shesonthemoney

TUNE INTO OUR INSURANCE PLAYLIST: Run it back with episodes dedicated to insurance. Search ‘How to choose the right insurance’ on Spotify.

CRAVING MORE FRIDAY DRINKS INSPO? Look no further, we’ve made an entire playlist just

for you. Search ‘Friday drinks motivation’ on Spotify.

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)

See omnystudio.com/listener for privacy information.

'Have Courage. Be Kind': It's a Q&A with B&J Special Aug 11, 2026

Show notes

In favour of frivolity, we’ve given Victoria a week off from Deep Dive to bring you another acclaimed edition of Q&A with B&J!

Bec and Jess are back to answer all of your fun community questions, including what reality TV shows they’d each do well at. (Give Jess the glass cake stand already!)

Tune in for a lighthearted episode with your two fave co-hosts covering casual yaps about fave weird flavour combos, things to consider if you’re thinking about leaving your 9-5 and what they’ve learned since working with SOTM. Vote Bec for Big Brother 2027.

B&J’s POD CAMEO LIST: Science Vs, Betrayal Weekly, Everyone Has An Ex, Diary of a CEO.

BEAN SOUP THEORY: ICYMI, here’s some TikTok lore about the Bean Soupification of the internet and how what-about-me-isms are making the internet homogenous. https://www.tiktok.com/@skylermapes/video/7568181892260941087

LIKE WHAT YOU HEAR? Here’s another ep brought to you by Bec & Jess. Search Building the Dream’ wherever you get your podcasts.

SHOUTOUT TO BERNIE’S: Fitzroy North represent. This is the queer bar mentioned in the pod, or search for Bernie’s Fitzroy North if you’re in Naarm.

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)

See omnystudio.com/listener for privacy information.