She's On The Money

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
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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.