She's On The Money

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 ) 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.

This week's Money Diary starts with a sentence I don't think I've ever heard before. "I think I accidentally became rich." Growing up, money was something her family never really talked about. She was raised by a single mum, grew up on Centrelink, won a scholarship to a private school, and didn't realise just how little they had until she was much older. Fast forward to today and she's 34, has more than $100,000 invested, over $218,000 in super, a full year's worth of expenses sitting in her emergency fund, and recently quit her full-time consulting job to work on her own terms. And here's the part I loved most. She bought a house... then decided she actually didn't want one. Instead, she's chosen a life built around flexibility, travel and financial independence, proving that building wealth doesn't have to look the same for everyone. We chat about growing up without financial literacy, becoming obsessed with investing, why she contributes up to $2,000 a week to ETFs while the income is there, turning down home ownership, and what "enough" really looks like when you're designing a life you actually want. This conversation is a reminder that there isn't one right way to build wealth. Sometimes the smartest financial decision is the one that gives you the most freedom. 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.

Which school do you fall into? Karaoke-forward or karaoke-averse? This week on Friday Drinks, Victoria, Bec and Jess are bringing you all the best Broke Tips and Money Wins from our community, plus money dilemmas that tread the investment line. They’ll discuss the pros and cons of lumped contributions versus dollar-cost averaging and whether you can make a relationship work if you’ve got opposing money values. What should we put on our She’s on the Karaoke playlist? CANCEL YOUR SUBS: Another rogue $9.99 charge on your card? Can-it, with our blog to walk you through it all. Search ‘subscriptions’ over at www.shesonthemoney.com/blog INVESTMENT CALCULATOR: Here’s a link to the calculate V mentions on the pod, https://investcalc.github.io/ FREE INVESTMENT CHEAT SHEET: Grab your copy of our investment cheat sheet over here: www.shesonthemoney.com/download-resources 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.

What do financial advisers actually do? Am I ready for financial advice? $10k has landed in my account, what do I do?! On this week’s Deep Dive, Victoria invites friend-of-the-pod Daisy Egan, financial adviser with Everest Wealth to answer all of your pressing (and pure unhinged) financial questions. And sure, while some of them are normal and fine and reasonable, others verge on despicable. Come to learn about the largest portfolio size Daisy’s ever managed (Spoiler: there are many zeroes involved). Stay for the spicier q’s including: ‘I’m waiting for my nan to pass away. What things do I need to put in place tax-wise?’, ‘Have you ever told someone that they can’t afford to have a child?’. And ‘What are some sneaky tips to help me financially prepare to leave my husband?’. Nosy parkers, assemble! EVEREST PRIVATE WEALTH: Like what you’ve heard? Reach out to Daisy and the Everest Wealth team to book your consult at everestwealthgroup.com.au/booking INVESTING Q’S? Here’s a blog dedicated to all of the investing questions you were too afraid to ask. Search ‘investing’ at shesonthemoney.com/blog . TAKE CHARGE: Your personal finances won’t control themselves. Here’s a playlist to help you do it: https://open.spotify.com/playlist/3Q7i1EuswTgUAZL4pLSPaQ?si=-8Ej6rqdR4GEquJRHFgGBQ 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.

This week's Money Diary proves there isn't just one way to build wealth. Growing up in a working-class family, she didn't inherit financial advice, a house deposit or a roadmap. So she made one herself. From 18 to 25, she skipped renting altogether, house-sitting her way across Melbourne, looking after other people's homes and pets while quietly saving every dollar she could. It wasn't glamorous, but it helped her buy her first home on her own in her twenties. Fast forward to today and she's 36, single, earns $177,000 a year, owns a home worth around $1.2 million, has more than $250,000 in super and is slowly building an investment portfolio, all without relying on a partner to get there. We chat about climbing the corporate ladder while completing a master's and PhD, navigating redundancies, why she's still not convinced she deserves an A for her money habits, and the reality of building financial security on your own. It's a conversation about doing things differently, trusting yourself, and remembering that building wealth doesn't have to look the same as everyone else's. See omnystudio.com/listener for privacy information.

Just when you think you’ve paid it down, debt has this pesky way of rearing its ugly head. But why? It’s Friday Drinks time, and this week Victoria and Bec are taking on money dilemmas big and small. One community member questions where her tax return is best spent repaying her HECS debt or salary sacrificing into super. While another questions why she keeps finding herself in debt-y situations when she’s never missing a payment. Tune in if you’ve ever wanted to understand the psychology behind debt and how you might finally get on top of things. With Money Wins, Broke Tips, and tools from the team, you’ll be leaving this episode with a spring in your step… and maybe with the Eurythmics in your ear? THERE MUST BE AN ANGEEEEL 🎵If She’s on the Money had a theme song what would it be? Do you have a theme song for every member of the pod? What are our colours?! Share your suggestions in the comments! PAY IT DOWN, BABY: We’ve got a whole playlist dedicated to debt reduction over here and at open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=NalcTJLaSiKjo8H9dyuaAg WAIT, IS THIS NORMAL? Here’s a blog on just how much credit card debt our community is in. You aren’t alone, and there is a way out. Search ‘debt’ at shesonthemoney.com/blog/ . BOOST YOUR SUPER: With this video right here over at youtu.be/o0dYWW4e5mg 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.

Inflation highs, SpaceX selloffs and IPO rumours. Welcome to our first market update for the new financial year, where Victoria and Bec take a closer look at inflation, its impact on the stock market and what predictions we might have for FY27. If you feel a little overwhelmed by it all, we’ll be breaking down what various market indicators mean for your money, plus what to keep an eye on in the months to come. Tune in to hear how some of the more popular ETFs have performed as of June, and why the Great SpaceX Selloff might be a test run for more trillion-dollar launches to come. OUR CHEAT CODE FOR ETFS: They’re all yours at shesonthemoney.com/download-resources. THE IMPORTANT OF REGULAR INVESTMENTS: Read about the pros of consistent contributions over reactive investing on the blog. Look up ‘regular-contributions’ on the shesonthemoney.com/blog WANT REGULAR MONEY UPDATES? Sign up for SOTM News delivered straight to your inbox via shesonthemoney.com/sotm-newsletter-signup. 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.

Growing up, home never really felt permanent. Her mum battled addiction, money was always tight, and by the time she was a teenager she'd already experienced more instability than most people do in a lifetime. When her mum passed away unexpectedly, there was no inheritance waiting for her. Just grief, unanswered questions and a decision to create a different future for herself. Today, she's 32, works as a nurse, owns two properties, has just $40,000 left on the mortgage for her home, and is already planning the next investment. But what I loved most about this conversation wasn't the numbers. It was the mindset. We chat about growing up between two completely different worlds, learning that your childhood doesn't have to define your future, the power of financial independence, and why she's determined to build the kind of security she never had growing up. This episode is a reminder that your starting point doesn't have to be your finish line. Sometimes breaking the cycle starts with one decision, one conversation, and believing that your future can look completely different to your past.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.

Who among us has spotted a friend who was skint? Who among us has *been* that friend? Okay, but what if the situation was more complex, and that friend is also tackling long term mental illness and physical disability? On this week’s episode of Friday Drinks, Victoria, Bec and Jess discuss a spicy Money Dilemma concerning friendships and finances, specifically what happens when you’re financially supporting a friend and their money choices don’t align with your values. They also cover whether economic downturns are a good time to switch supers, and what you might look out for if you’re considering a change. Tune in for the usual Money Wins, Broke Tips and what the team would really want in a dream gift hamper. Spoiler: It’s wholesome af. STRUGGLING WITH DEBT? You aren’t alone and we’ve created a whole playlist to help you out of it at https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=EfpDAWlzRkyU0IVaU5elHw SORT OUT YOUR SUPER: Here’s a blog to help you do it. Search for ‘super 101’ on the shesonthemoney.com/blog APPLY FOR THE REGO REBATE (BY 31 JULY 2026): Calling all Victorian listeners: if you haven’t already, here’s your last call to apply for the rego rebate before Fri 31st July to get money back on your rego! Visit service.vic.gov.au/services/registration-rebate to apply! 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 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 - 4451289 See omnystudio.com/listener for privacy information.

Let’s talk about the elephant in the room: the financial decisions that are quietly killing your cashflow. Whether it’s a daily $8 iced oat latté or a late night snack that becomes a weekly tradition, it’s time we faced these innocuous transactions that are getting in the way of our money goals. Because while they may only seem like a few dollars here and there, they all add up. On this week’s Deep Dive, Victoria and Bec unpack the psychology behind our sometimes questionable spending behaviours and how we might overcome them to better build our wealth. Because friends don’t let friends make terrible money decisions. BREAK THE BNPL CYCLE: Caught in a Buy Now, Pay Later loop? Break free with our blog on the subject over here . Or visit our shesonthemoney.com/blog and search ‘BNPL’. BACK TO BASICS: Need to rewrite your budget? Here, grab a copy of ours over here and at shesonthemoney.com/download-resources . SHOP AND SAVE? Tune into this playlist that’s all about saving while you shop https://open.spotify.com/playlist/4OAhk14TQ5Xv0uEFIwRrNE?si=hHecvxHQSFSn-sCMQzB5jA 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.

This week's Money Diary is for anyone who's ever felt like their relationship with money was shaped long before they earned their first paycheck. Growing up, money was always part of the conversation in her house. But not in a good way. She watched her mum give up career opportunities, financial independence and choices, while money was treated as something that belonged to someone else. And without realising it, she carried those lessons into adulthood. Spending became freedom. Saving felt impossible. And for years, she bounced between worrying about money and avoiding it altogether. At 31, things look very different. She's earning around $130,000 a year in mining recruitment, has built her savings to $60,000, started investing, and is on track to hit $90,000 in savings by the end of the year. Not because she's perfect with money, but because she finally realised that financial security isn't about restriction. It's about choice. We chat about growing up in a household where money created tension, the spending habits that took years to unlearn, the pressure to buy property when everyone around you seems to be getting ahead, and why she's determined to create financial independence for herself, even while in a loving long-term relationship. This conversation felt like such an important reminder that your money story doesn't have to end where it started. 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. 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.

An inheritance? Slay. Inheriting shares but being prohibited from ever selling them? Err… help? This week, Victoria, Bec and Jess unpack Money Dilemmas and DMs galore. Our first stop: The difference between LICs and ETFs. Plus, a dread many of us know all too well; working at a job that literally sucks the life from you, while dreading the financial implications of leaving. Join us for another episode of Friday Drinks, where the gang covers burnout, pizza dimensions, and what we thought our lives would be like at 30. Like, did you also think you’d own a horse by now? Weird how things work out. WANT OUR ETF CHEAT SHEET? Head on over to our resources page to grab a copy. BRB, TUNING IN FROM THE BAHAMAS: Where are you listening from? Tag us on socials @shesonthemoneyaus BURNOUT IS REAL: If this episode brought up some issues for you, or if you’re looking for resources to support your mental health, please visit beyondblue.org.au/mental-health. 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.

So they have a Cartier bracelet, but no emergency fund. Or they own a home… but have a $5k monthly mortgage. What actually makes someone rich versus what makes them wealthy? This Deep Dive goes into some of Victoria and Bec’s earliest money memories to explore their first ideas of wealth and what it meant to be ‘rich’. They discuss clichéd wealth indicators from designer bags and luxury cars to who is allowed to be rich, whether there’s a difference to being wealthy and the realities of the upward comparison effect. This episode is less about ‘what the new rich looks like’ and more about the systemic beliefs we’re raised with versus realisations of what financial security and confidence actually feel like. Tune in for questions concerning acquired wealth, private school and boujee pencil cases. KNOW THYSELF: What’s your money mindset? Get acquainted with our quiz. MASTER YOUR MINDSET: A playlist to help you transform your relationship with money. HIT THE BLOG: Are they wealthy or are they just rich? We devoted a blog to this topic. 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.

A few years ago, she thought she had it all figured out. The house. The fiancé. The wedding. The future she'd spent six years building with the person she thought she'd spend the rest of her life with. Then, on a random Tuesday morning, she got a text message. He was leaving. Just six months before their wedding. What followed was a blur of heartbreak, a house sale, more than $30,000 in lost wedding deposits, and the very real task of rebuilding a life she never imagined she'd have to start over. But this isn't really a story about what she lost. It's a story about what happened after. Today she's a qualified dietitian, has over $150,000 in savings, a growing investment portfolio, and a level of financial independence she never knew she was capable of. We chat about combining finances in your early twenties, trusting your gut when something feels off, rebuilding after a major breakup, and why sometimes the plans falling apart end up making space for something much better. By the end of this episode, you'll be rooting for her harder than anyone. 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 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 - 4451289 See omnystudio.com/listener for privacy information.

POV: You outearn your partner. Should you be contributing more to things like shared costs, savings and goals because your income is higher? Or is there a more equitable way to split things? This week on Friday Drinks, Victoria, Bec and Jess discuss the ins and outs of relationship finances, especially when you have different attitudes towards money. From honest communication to the heavy money stories we carry, the gang explores how to build healthier financial behaviours while upholding the values of your partnership. Oh and we finally learn which of the Powerpuff Girls V, Jess and Bec would be if they could choose. This episode is for you if you ever felt heavy or ashamed for having debt, and want a way to overcome this feeling. Update: This episode was recorded before the Fuel Excise extension was announced. While the initial discount was higher (E.g. Rather than being taxed 52.6 cents/L we were paying 26.3 c/L in tax), we will now be seeing a 16 cent discount and paying 36.6 c/L in tax; saving around $11 per 65-litre tank. TRUSTED HOUSESITTERS: This platform was mentioned during Bec’s Broke Tips, check it out if you plan on making some extra coin while you travel – or finding a reputable sitter! A PLAYLIST FOR PAYING DEBT DOWN: Destroy that debt, baby. Here’s a playlist to help you learn how. HAVING DEBT DOESN’T MAKE YOU A FAILURE: And we’ve got a blog to prove it. 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.

GP appointments, vitamins, and not to mention the added snack budget; having a baby sounds expensive. So, we asked our very own VD just how much it cost her… with receipts. This week’s Deep Dive episode unpacks the costs associated with having a baby in modern times. Victoria shares receipts and line items from weeks 4 till 40, with a trimester-by-trimester breakdown of exactly how much she spent, how far the Medicare rebates went and whether private health insurance provided enough coverage throughout. If you’ve been thinking about family planning or simply wanted to compare notes on out-of-pocket costs, this is the episode for you (or the parent-to-be in your life). GET OUR BABY BUDGET: Budgeting for a new arrival? Grab ours. READ THE BLOG: Check out our write-up on things to consider when preparing for a baby. RETHINKING YOUR INSURANCE? Check out our playlist devoted to choosing the right insurances for you. 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.

Our diarist this week went from being a flat-broke uni student who could barely afford rent to paying off a $25,000 car loan on a graduate salary in less than a year. She built her emergency fund, started investing, got serious about her money and completely transformed her financial situation. But now there's a new problem. Every time she spends money, she feels guilty. We chat about moving away from home at 19, being the only person in her share house paying her own rent, paying off debt, building wealth in regional Australia, dating someone with four investment properties, and the surprising money mindset shift that came after getting her finances under control. Because sometimes getting good with money isn't the hard part. Sometimes it's learning how to enjoy it. 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. 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.

Happy 1,000th episode, friends! On his very special episode of She’s on the Money, we’re celebrating this huge milestone in true Friday Drinks fashion, complete with festive hats. Join Victoria, Bec and Jess for a stroll down memory lane. We’ll be sharing mic drop moments from the She’s on the Money socials, updates from a returned Money Diarist from season one, sharing our favourite things (which you can win via our socials!) and rewarding some very loyal contributors across our community. Plus, we’re releasing our final codeword for She’s Stashed the Cash: a 1,000th episode giveaway where our most sleuthy listeners will have the chance to win $1,000 cash. Tune in for earnest chats, moments from Money’s past, and us fangirling over the internet’s best money community (you 🥹💘). ENTER SHE’S STASHED THE CASH: Head to https://sotm.typeform.com/stashedthecash and submit your five-word entry NOW! Entries close at 5:59 am (AEST) Saturday 4th July, 2026. Conditions apply. UPDATE: congrats to our winner, Hayley! WIN OUR FAVOURITE THINGS: Head to the giveaway tile over @shesonthemoney for your chance to win one of our favourite things. Entries close at the end of July! Conditions apply. THROWBACK: Behold! A link to Jess’ first episode (https://open.spotify.com/episode/4obX1XVC2Niml4n4lYNzIz?si=Dj1ZGF3XQGmBH1l7rNUBlg)🥹 If you aren't already, 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.

Spoiler: Our goal-setting habits are broken. But, it’s not your fault. It’s the psychology we’re raised with. It’s Deep Dive time! And this financial new year, Victoria and Jess are here to help you get out of your own way, so you can start ticking off those EOFY resolutions nice and early. How? By revisiting the psychology behind setting and sustaining financial goals for the year. During this episode, the girls share insights about how current approaches to budgeting, investing and general goal-setting might actually be limiting our capabilities, plus ways we might overcome this with practical advice from authors Adam Grant and Angela Duckworth. This is less about one quick fix for your best year yet, and more about setting goals you’ll actually stick to. Controversial opinion: They don’t fall apart because the journey is hard, they crumble because the journey is boring. P.S. Please share your goals with us, so we can a) hold you accountable, and b) celebrate you! BONUS READING: Love the theories introduced in this ep? Check out Think Again: The Power of Knowing What You Don't Know, and Hidden Potential: The Science of Achieving Greater Things Adam Grant. THAT TED TALK: Watch this iconic TED talk by author Angela Duckworth titled, Grit: The Power of Passion and Perseverance. MINDSET RESET: Stream our playlist on How To Change Your Money Mindset over here. STUDY WITH US: Looking for a course to keep you accountable? Check out Your Best Year Yet (victoriadevine.com.au/your-best-year-yet) 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.

This week's Money Diary starts with what should have been a straightforward hospital visit. Her husband was 32, healthy, active, and recovering from glandular fever when doctors spotted something completely unexpected on a scan. A few months later, they received the news nobody expects to hear: it was cancer. What followed was months of waiting, uncertainty and trying to keep life moving while living in limbo. But there's another part of this story that really stuck with me. Just over a year earlier, after hearing countless conversations about money, they finally decided to sort out their personal insurances. Not because they thought they'd need them. Just because it felt like the responsible thing to do. Thank goodness they did. We talk about the diagnosis that changed everything, navigating a trauma insurance claim in your 30s, what financial security really means when life throws you something completely unexpected, and why this experience changed the way they think about money forever. It's a conversation about planning for the things you hope never happen, and why sometimes the most boring financial decisions end up being the most important ones. 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. 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.