She's On The Money

At 18, this week’s Money Diarist was approached at work by a man who told her she could make serious money at a club. Plot twist: it was a strip club.
She went from earning almost nothing to making hundreds of dollars an hour, and at one point tracked nearly $200,000 in cash earnings over a relatively short period. The problem? She was spending almost as quickly as she could earn it. Then life changed completely. She left the industry, became a mum in her early twenties and went from being fiercely financially independent to relying almost entirely on her partner. When that relationship eventually ended, she realised she had no savings, barely any super, very little career history and, at one point, just $11 to her name.Now 32, remarried with three children, she’s rebuilt things very differently. She earns $120,000 across two jobs, has helped turn her husband’s sole trader business into a company, started her own business, bought land for their future home and completely overhauled the way they manage money. It’s chaotic, incredibly candid and a pretty fascinating look at what happens when you’ve experienced both extremes of money, from earning thousands in a night to having almost nothing of your own. And perhaps the biggest lesson? Making a lot of money and actually building financial security are two very different things.
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Towards, away, or rotisserie-chicken style? It’s Friday Drinks time, and this week the gang are discussing all of the important issues; namely which direction they face in the shower.
Join Victoria, Jess and Bec for this week’s best Money Wins, Broke Tips and community dilemmas that you might find particularly useful if you’ve been sleeping on super. Hear from the gang about whether it’s most fruitful to salary sacrifice weekly or monthly and what to do if you find that you’ve got multiple super accounts. Come for the juicy superannuation tips, stay for a continental cucumber redux.
CLASS ACTIONS: Read ‘em and weep (happy tears, sad tears, you decide) over at the Fed list of current class actions fedcourt.gov.au/law-and-practice/class-actions/class-actions.
SEEK AND YOU SHALL FIND… LOST SUPER: The ATO Lost Super Lookup is here to help you be reunited with any lost super.
COMPARE YOUR SUPER: Select up to four comparable products to view side-by-side against your current situation over here: ato.gov.au/single-page-applications/yoursuper-comparison-tool
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.

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.

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.
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.

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)
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.