She's On The Money

Growing up this week's money diarist remembers boiling water on the stove for baths because the gas had been disconnected, landlords turning up at the front door looking for unpaid rent, and feeling like she never quite fit in because everyone else seemed to have things her family couldn't afford.
Determined to create a different life for herself, she worked hard, saved aggressively, finished university and built what she thought was her dream future with her long-term partner.
Then, two months before their wedding, she received a message request from his ex-girlfriend.
The kind that starts with: "I know you're about to get married, but..."
What happened next changed the entire course of her life.
We talk about calling off a wedding, navigating a breakup during COVID, buying a home on her own at 28, becoming a mum sooner than expected, and the money lessons that finally clicked after discovering the She's on the Money community.
This conversation is about resilience, second chances, and learning that sometimes the life falling apart is actually making room for something much better. By the end of this episode, you'll be very glad she never made it down that aisle.

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 (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.

Say it with me: equal isn’t always equitable.
On Friday Drinks, Jess and Bec cover a very juicy DM concerning inheritances, where one sister has received a lifetime of financial support, while the other is fighting for what she believes is her fair share of the will. Is it considered equal for the more independent child to get a larger share in the end or is there more to it than that?
This episode is also packed with insights for the side hustlers and how they might allocate their earnings. Do you split it into particular percentages (e.g. bills, investments, play) or is it all simply ‘fun money’? Tune in for Broke Tips, Money Wins, how you might split your pizza and the beginnings of Bec’s merch line(!?).
KICKING OFF A SIDE HUSTLE? Check out our playlists to help you get started.
RESET YOUR MONEY MINDSET: But first, figure out where you’re at by taking this quiz.
REBUILD YOUR SAFETY NET: Depleted your emergency fund? Here’s how to build it back up.
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.

You’ve started your investing journey (yay!), but you’re oblivious about how your portfolio is going to be taxed during this financial year (boo!).
If this year’s budget convos about Capital Gains Tax (CGT) have you sweating, strap in for a deliciously informative Deep Dive.
In this episode, Victoria and Jess discuss how shares and ETFs are taxed, explaining the difference between dividends, distributions and franking credits, plus how to offset your earnings or your income when completing your tax return.
Learn how to make the most of your investing platforms, why it pays to play the long game, and when to hand things over to a professional (read: your accountant). Soon you too will have a clear understanding of how each asset class is taxed, and why sticking it out is smarter than you think.
This episode is brought to you by our friends at Sharesies. Visit Sharesies.com.au to learn how to kick off (or supercharge) your investing journey.
INVESTING CHEAT SHEET: You heard me. Download our Investing Cheat Sheet and kick off the new FY, flying.
START INVESTING: Not yet begun your investment journey? Check out this episode on how to start.
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 (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.

She's 25, owns her home, has paid off her HECS debt, has more than $50,000 in super, is building an investment portfolio and somehow still rated herself a B- when I asked how she felt about her money habits.
Growing up in regional Victoria, she got her first job at 14 and never really slowed down. While most of us were spending our weekends hanging out with friends, she was working supermarket shifts, saving for her future and helping her parents renovate investment properties.
That work ethic followed her everywhere.
Through nursing placements, night shifts, university, a mortgage in her early 20s and a long-distance relationship that somehow survived Melbourne lockdowns.
Now she's built a life that's incredibly solid, but what I loved most about this conversation wasn't the numbers.
It was her mindset.
The way she talks about money feels refreshingly simple. Work hard. Save consistently. Make your money work for you. Repeat.
We chat about buying a home at 21, paying off her HECS debt, starting her investing journey, the money lessons she learnt from her parents and grandparents, and why she's already thinking about the financial life she wants to build long before she starts a family.
Honestly, this episode is proof that wealth isn't always built through big dramatic decisions.
Sometimes it's built one supermarket shift, one mortgage repayment and one very stubborn financial goal at a time.
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 (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.

Be honest. Has money ever got in the way of a friendship? Sure. It’s nice when everyone you know has the same money values as you, but it’s far more likely that your earnings, spending habits, and beliefs are just as different as your birth charts!
This week on Friday Drinks, Bec and Jess answer your pressing questions around pausing investments to pay for a wedding, fast food preferences and what happens when your friends are in their spend-now-worry-later era.
While V’s away, we’re bringing you some cheeky Broke Tips plus your marvellous Money Wins of the week. Budgeting boundaries, financially outgrowing your friends, and what actually makes a fry a fry (when it’s really a chip), join us as we cover all the important topics.
CURB YOUR SPENDING: Dopamine spending is real. If you’re looking for tips to help you cut back, look no further.
CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here.
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.