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My Boyfriend’s Secret Debt + Should We Use Our Savings to Pay Off His Business Debt? May 14, 2026

Show notes

Sometimes being nosey pays off. Other times, it reveals that your partner hasn’t paid off their $40k credit card debt.

Stressy and a little scandalous, this week’s episode of Friday Drinks covers a Money Dilemma about whether a listener should use their reno savings to help pay off her partner’s business debt. All $140,000 of it.

And, is debt worse if it’s a secret? This week’s DM comes from a listener who stumbled across something they wish they hadn’t… their boyfriend’s secret $40k credit card debt. We tackle the question of confronting a partner when they’ve hidden something from you.

Whether you’ve done the snooping or you’re the one in debt, this episode is all about tackling financial hurdles as a couple, one conversation at a time.

PAY IT DOWN: Debt doesn’t have to rule your life. Here’s a playlist dedicated to paying it down.
(https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=IiGL0k__TQinry6vjofVeA)

WANT VICTORIA’S BUDGETING SYSTEM?: Master your money here (shesonthemoney.com/the-money-masterclass)

NEW HERE? Join 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+.
And follow us on Instagram @shesonthemoneyaus 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 (queenacknowledgements.com)

See omnystudio.com/listener for privacy information.

The Costs of IVF: Financing Your Fertility Journey May 12, 2026

Show notes

This episode is what happens when financial planning and family planning have a baby.

Why is it that egg-freezing and IVF feel like buzzwords; distant things that are only relevant once we (or the people we care about) start to consider the options? This changes now.

Joining us on this week’s Deep Dive is sought-after fertility specialist and friend of the pod, Doctor Nicole Hope. The Medical Director at Newlife IVF has helped people to conceive and grow families for the last 20 years. Naturally, we pitched her all of your spicy DMs about financing your fertility journey, covering costs, rebates and whether you can tap into your super to fund it all.

From payment options to insurances and the difference between various treatments, tune-in for an in-depth discussion about the economics of fertility with Newlife IVF.

CW: During this episode we discuss pregnancy and fertility; topics that some of our listeners might find confronting or triggering. If this is true for you, we recommend skipping the episode until you’re ready to return to it, or simply tuning in for next week’s Deep Dive. Please do what feels right for you.

BUDGETING FOR BIGGER THINGS? Yoink. Please swipe our free downloadable budgets over at shesonthemoney.com/download-resources and bring your goals that much closer.
Join 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+.
Follow us on Instagram @shesonthemoneyaus 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 (queenacknowledgements.com)
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.

BONUS: The 2026 Federal Budget Explained Without The Boring Bits May 12, 2026

Show notes

The federal budget officially dropped at 7:30pm tonight, but we recorded this episode from inside Budget Lock-Up BEFORE the rest of the country got their hands on it.

At 6pm, while the internet was still speculating and journalists were speed-reading hundreds of pages of announcements and fine print, we sat down inside Parliament House to unpack the headlines we think actually matter to our community.

Victoria is joined by Glen James from Money Money Money and Vince Scully from Retire Right, who also happens to own our financial services licence, which you’d think would mean we’d be on our best behaviour… but unfortunately that’s not what happened.

Together, we break down:
• the negative gearing and CGT changes everyone’s about to argue about
• what the tax cuts actually mean for your wallet
• housing affordability and first home buyers
• women’s health funding
• cost-of-living relief
• and why the global oil crisis is suddenly impacting Australian households

Plus, we had a cameo appearance from Katy Gallagher, Minister for Finance herself.

This episode is landing slightly later than we planned because the audio quality wasn’t where we wanted it to be and after surviving Budget Lock-Up, the least we could do was make sure it didn’t sound like we recorded it through a microwave.

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.

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.

See omnystudio.com/listener for privacy information.

Dropped Out of Uni Three Times… and Now Earns $140K Without a Degree May 10, 2026

Show notes

Have you ever thought, “maybe I’ve missed my chance.”

This weeks diarist started uni three separate times and dropped out every single one. Worked 50-hour weeks in retail management for minimum wage. Genuinely believed that without a degree, there was a limit to what she’d ever earn or achieve. Relatable. Then life happened. A baby. A relocation. A partner changing careers. Another baby. A mortgage. A massive amount of imposter syndrome. But somewhere in the middle of all of that, she met a leader who saw something in her before she could fully see it herself… and everything started to shift. Now she’s 33, earning $140k in HR with no degree, investing for the first time, raising two kids, navigating a very real mortgage, and trying to work out how anyone affords dining chairs without having a small emotional breakdown. This conversation felt really honest. Not in a “perfect with money” way. More in a “figuring it out while life is happening” kind of way.

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.

Take It or Leave It: Could Taking Stress Leave Affect My Insurances? May 07, 2026

Show notes

It’s all too familiar. Work has you burning you out. And even your manager has suggested that you take some time off. So, why does it still feel weird to accept the offer, especially when you’re desperate for a break?

In this week’s Friday Drinks we cover that icky feeling some of us get around taking leave, even though it literally exists to be used. Beyond the stigma, we unpack how taking stress leave might affect your insurances and what to consider before submitting your request.

Say it with me: you cannot call yourself a financial adviser if you do not have a license (an AFSL). In this episode, we answer a DM that sends up more red flags than a carnival. A community member asks if she should take advice from an unlicensed financial adviser, even if it’s free. Hear us *calmly* explain why unsolicited advice is illegal, and could actually end up costing you more. Besties don’t let besties get scammed.

WHO THE HELL IS HAMISH? Here’s a link to the series about a super-scammer, mentioned on the pod, where an unfortunate number of innocent people were scammed out of their super. The moral of the story? It could happen to anyone! Don’t let that be you.

SUSS OUT YOUR COVERAGE Our partners at Skye Wealth are personal insurance pros. Learn more about them over here at skye.com.au. As long standing referral partners, we only ever recommend people we trust.

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements

See omnystudio.com/listener for privacy information.

Building The Dream: Jess Shares What She’s Learned (So Far) May 05, 2026

Show notes

Manifesting home-ownership, but priced out of buying a house? Maybe building your own is the way to go. But where do you even begin?

She’s on the Money’s Jessica Ricci joins Bec Syed on the Deep Dive couch to tell us everything she’s learned (so far) about her building journey.

After recently going through the preconstruction phase, Jess shares updates around pre-build appointments, budget considerations and just how important it is to read your contracts. We’ll hear about the loan application process, fixed-price building costs, as well as what is (and isn’t) included along the way.

If you’ve ever wondered about the benefits of building versus buying, why it pays to have a broker, or simply want to know what you should know before you start, this episode is for you.

GET YOU A MORTGAGE BROKER: Whether you’re applying for a land or building loan, having a broker on your team makes all the difference. Chat to the friendly team at Zella, who’ll act as your loan liaison. Visit zella.com.au for more information.

BEFORE YOU BUILD, BUDGET: Scope creep? We don’t know her. Manage every step of your own building journey with free templates at shesonthemoney.com/download-resources.

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com)

See omnystudio.com/listener for privacy information.

21, Investing Aggressively and Watching Everyone Else Spend Their Paycheck May 03, 2026

Show notes

You know when you meet someone younger than you and think… oh. You’re doing money better than I was. That’s this week’s Money Diary. She’s 21, still at uni, working multiple jobs and quietly building a six-figure portfolio. Not loudly, not perfectly… just consistently. Working in luxury retail, she’s watching people her age spend entire paychecks while she’s investing hers instead. Which, honestly, says a lot. This one isn’t about perfection. It’s about starting early, thinking differently, and what that can actually turn into.

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.

'No Wedding Gifts Expected’... Then Why Do I Feel Guilty? Apr 30, 2026

Show notes

Finding it hard to keep your cool when share prices are plummeting? Tap ‘play’ for instant relief from hasty portfolio decisions.

In this week’s Friday Drinks, we’re reminding one wary investor of how it pays to stay level-headed when the sharemarket has you feeling off-kilter. If you too are wondering if you should sell your shares during an economic downturn, this episode may have you reconsidering things.

The DM gods have delivered! This week we discuss a destination wedding-themed dilemma that questions how much you should gift a family member, if you’re already attending their very expensive overseas wedding. And, yes, we cover whether they’ve specified, ‘no gifts expected’. And whether they mean it.

Plus, Jess will be sharing Money Wins from within the community and Bec’s got Broke Tips to help push your dollar further.

This week’s Question of the Week? Guess you (and your pet) will have to tune in to find out…

📚 LIBRARY BOOK GIVEAWAY: We're sending free She’s on the Money books to public school libraries across Australia, because financial literacy should be accessible to everyone, from a young age.

School librarians, please complete the form at https://sotm.typeform.com/to/i8IfaA3n to apply. This giveaway is limited, so get clicking.

💬 Wanna be on the pod? Send us your Money Dilemma via voice note on our website.
📩 Got a question you’re dying to ask? Slide into our DMs.
⭐️ And, if you loved this episode, you know what to do

Join our 400K+ She's on the Money community in our Facebook Group (🔍 ShesontheMoneyAUS) and follow us on Instagram @shesonthemoneyau 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 (queenacknowledgements.com)

See omnystudio.com/listener for privacy information.

The RBA: Who’s Calling the Shots and How it Affects Your Rates Apr 28, 2026

Show notes

The cash rate. It’s up. It’s down. Honestly, it’s giving ‘chaos’ when it comes to our everyday spending. Almost as if the cash rate rules everything around us… In this week’s Deep Dive, we’re taking on the RBA; who they are, what they do, and how they call the shots when it comes to the cash rate.

We’ll explain how often they meet, what facts influence their rate decisions and how to be more financially prepared for whatever they throw at us. Because whether you’re investing, running a business, looking for a job or simply trying to get by, the cash rate impacts us all.

Consider this episode a cheat sheet for what the Reserve Bank of Australia actually looks like and how to read the signs before the notifications roll in. We’re covering all the gory details including: inflation data, unemployment rates, wage growth, everyday spending, housing prices and how global factors impact our economy.

With real life examples, plus savvy money moves you can make to help prepare for the shifts, this episode will help you finally make sense of it all. So, if you’ve been a bit mystified by the RBA, how they decide on our cash rate, and why those rates might cause celebration or commiseration, this episode’s for you.

See omnystudio.com/listener for privacy information.

From Debt and Divorce to Building Her Dream Home as a Single Mum Apr 26, 2026

Show notes

She went from owing money to everyone… to building her dream home.

This week’s Money Diary is a story about starting over. After having kids and going through a separation, she found herself navigating life as a single mum on one income, with the kind of financial pressure that leaves no room for error.

But instead of staying stuck, she rebuilt.

New mindset, new boundaries, and a completely different approach to money and relationships. Now she’s earning six figures in sales, has a deposit ready, and is about to start building her home.

We get into what actually changed, how she approached money the second time around, and why being honest about finances early on made all the difference.

It’s a reminder that your money story isn’t fixed… even if it feels like it is.

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.
GET VICTORIA'S BUDGETING SYSTEM: Master your money here.
NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money 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.

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