She's On The Money

Imagine receiving almost $1 million in insurance and realising it still might not be enough. At just 30, this week's Money Diarist's husband was forced to medically retire from his $250,000 tech career after developing a debilitating neurological condition. Suddenly, their plans for a future full of travel, financial freedom and enjoying their newly married life looked very different. Now she's supporting their household on her $85,000 salary while managing her own chronic health conditions, and the insurance payout they were so grateful for has to help replace decades of lost income. We're talking about the reality of claiming on income protection and TPD insurance, the one thing they wish they'd done differently, and why having insurance doesn't necessarily mean having enough of it. Because here's the thing: they actually did so much right. They had insurance, they'd updated their cover as their income grew, and it made an enormous difference. But their story raises a question I think we should all be asking ourselves. If something happened tomorrow and you couldn't work again, would the insurance you have today actually be enough?
SORT YOUR INSURANCE: If this week's Money Diary teaches us anything, it's that you never know when life is going to throw something completely unexpected your way. And by the time you need insurance, it's often too late to get it. A huge thank you to our long-standing partner Skye Wealth for bringing this episode to life. We only ever partner with people we genuinely trust, and if you've been putting off sorting your personal insurance, consider this your sign. Find out what cover you might need and get started here.

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 - 451289.
See omnystudio.com/listener for privacy information.

Imagine being 19 years old, earning $140,000 a year and feeling absolutely terrified every time you think about money. Sounds like a pretty good problem to have, right? Except when you're so overwhelmed by the responsibility of making the right decisions that you don't know where to start. It might sound unrelatable, but it's a conversation we can all learn from.
This week, we're helping a young woman who's earning more than most people twice her age but is struggling with serious money anxiety. She wants to set herself up financially, especially knowing she might not want to stay in her current job forever. So how do you stop being scared of money and start feeling confident about what to do with it?
Plus, a 31-year-old has finally checked her superannuation balance and realised it's much lower than she expected. After years of travelling, studying and working casually, she's worried she's fallen behind. Should she switch to a high-growth investment option to catch up, or is taking on more risk just asking for trouble? We're talking risk profiles, salary sacrificing and why being 31 doesn't mean you've missed your chance to build a comfortable retirement.
And because it's Friday Drinks, we're also celebrating some seriously impressive Money Wins, sharing Broke Tips that could save you a small fortune and debating which fictional universe we'd actually survive in. Apparently, some of us are heading to Whoville and others have much more questionable plans.
Grab a drink, friends. We're talking money fears, financial futures and why getting your finances together doesn't have to mean having everything figured out.
BREAK FREE: Ditch the Buy Now, Pay Later (BNPL) cycle for good. Here’s a blog to give your debt a run for its money. Search ‘BNPL’ at shesonthemoney.com/blog/
DEBT HACKS: Need a hand? Check out our article on avoiding and abolishing debt on the blog. Search ‘abolish debt’ shesonthemoney.com/blog/
YOUR MONEY PERSONALITY: Wanna buy a horse, but aren’t sure if it’s the right decision for you? Complete our Money Personality Quiz to figure out what actually matters to you over here: shesonthemoney.com/money-personality-quiz

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 - 451289.
See omnystudio.com/listener for privacy information.

If you’ve spent this year hearing about AI stocks, huge IPOs and people supposedly getting rich overnight, and you’ve felt more confused than confident about investing… this one’s for you.
In this week’s Deep Dive, Victoria flies solo to share eight investing rules that have survived every crash, boom, bubble and “this time it’s different” moment for decades. One of them is more than 500 years old. They come from some of the most respected investors in history, including Warren Buffett, Benjamin Graham, Peter Lynch and Bob Farrell, and she tests each one against real moments in market history.
We chat:
📈Why compounding is the closest thing investing has to magic (and the 500-year-old Rule of 72)
📈Building in a “margin of safety” so you’ve got room to be wrong
📈Why owning lots of Aussie shares doesn’t automatically mean you’re diversified
📈 The fee maths that could cost you hundreds of thousands over your lifetime
📈 Why time in the market beats timing the market (every time)
📈 How markets always snap back, like a stretched rubber band
📈Being fearful when others are greedy… and greedy when others are fearful
📈 And why “there are no new eras” (unless you’re a Swifty)
This isn’t an episode about which shares or ETFs to buy. It’s one to bookmark and come back to whenever the media gets loud and confusing, so you can stay steady, invested. Because sometimes, quiet and “boring” beats loud and “exciting”
Whether you’re yet to make your first investment or you’ve been building a portfolio for years, there’s something in this episode that could change the way you build your wealth, starting today!
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.
Ready to invest? Sign up for Sharesies, use the code SOTM10 and deposit any amount and Sharesies will give you a bonus $10 to invest. T&Cs apply
READ MORE: Want to go straight to the source? Check out The Intelligent Investor by Benjamin Graham, One Up on Wall Street by Peter Lynch, and Bob Farrell’s 10 Market Rules to Remember.
NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money 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.

Imagine spending your entire life working towards your dream career, only to have your health take it all away. At 35, this week’s Money Diarist has been through more than most people could imagine. After developing debilitating chronic illnesses, she was forced to leave her dream job as a scientist, became bedbound and financially dependent on her partner, only to discover he’d been cheating on her for four years. She lost her home, her relationship and the independence she’d worked so hard for, all while fighting a four-year battle for her income protection and TPD insurance claims. But her story doesn’t end there. Today, she’s mortgage-free, owns her own home, runs her own business and is slowly reclaiming the life she thought she’d lost. We’re talking about the financial reality of chronic illness, why personal insurance matters so much and what rebuilding your life can actually look like when everything falls apart. This one is heartbreaking, hopeful and such an important reminder that financial independence can mean so much more than having money in the bank.
SORT YOUR INSURANCE: If this week's Money Diary teaches us anything, it's that you never know when life is going to throw something completely unexpected your way. And by the time you need insurance, it's often too late to get it. A huge thank you to our long-standing partner Skye Wealth for bringing this episode to life. We only ever partner with people we genuinely trust, and if you've been putting off sorting your personal insurance, consider this your sign. Find out what cover you might need and get started here.

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 - 451289.
See omnystudio.com/listener for privacy information.

Apparently, saving for a house deposit now means saying goodbye to dinners with your friends, takeaway and basically anything that makes your twenties fun. But does it actually have to be that way?
This week, we're helping a 29-year-old who's earning a decent salary, living alone and feeling like she's doing everything wrong with money. Between rent, groceries and trying to maintain a social life, there's barely anything left to save. She's tried being incredibly strict with her budget, but ended up miserable and giving up altogether. So how do you save for your future without feeling like you're sacrificing your entire present?
Plus, with everyone talking about the AI bubble, one listener wants to know whether her superannuation could be caught up in the hype. Could an AI crash affect her retirement savings? And can you actually choose to keep AI investments out of your super?
And because it's our Halloween Friday Drinks, we're also getting a little spooky. We're debating which of us would make the worst serial killer, sharing some surprisingly morbid family history, celebrating your Money Wins and finding some genuinely clever ways to save money.
Grab a drink, friends. We're talking financial fears, questionable budgeting habits and a few things that might actually keep you up at night.
BREAK FREE: Ditch the Buy Now, Pay Later (BNPL) cycle for good. Here’s a blog to give your debt a run for its money. Search ‘BNPL’ at shesonthemoney.com/blog/
DEBT HACKS: Need a hand? Check out our article on avoiding and abolishing debt on the blog. Search ‘abolish debt’ shesonthemoney.com/blog/
YOUR MONEY PERSONALITY: Wanna buy a horse, but aren’t sure if it’s the right decision for you? Complete our Money Personality Quiz to figure out what actually matters to you over here: shesonthemoney.com/money-personality-quiz

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 - 451289.
See omnystudio.com/listener for privacy information.