She's On The Money

Victoria Devine
  • 4.2 (94)
  • Investing

Australia’s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance.  It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.  

  1. 1d ago ·  Video

    How Does Parental Leave Work?

    Be honest. How much do you know about parental leave? Because for many of our listeners, it’s one of those things that you don’t really pay attention to, until you need to.  Welcome to a special solo episode of Deep Dive where Victoria takes us through the ins-and-outs of paid parental leave and what you might be entitled to, should you (and a partner) need it. This episode will introduce you to what the current status of Parental Leave Pay is in Australia, who’s responsible for it, and what happens if you’re employed… or self-employed. From describing how much time and money you might be eligible for, to whether your partner has any support throughout this whole process, we’ll unpack the current state of play. Whether you’re planning to have a family, or know someone navigating the process, V explains what entitlements to expect, when you’re expecting. And what to ask your employer should you need more support. DOWNLOAD OUR BABY BUDGET: Figuring out the costs of having a baby? Grab a free copy of our baby budget spreadsheet over on our resources page here: shesonthemoney.com/download-resources NEWBORN LIST: Prams, high-chairs, car seats. Check out our blog on some of the things you might be considering when budgeting for a baby. Search for ‘baby’ on the blog: shesonthemoney.com/blog IT COSTS HOW MUCH? Tune into Victoria’s Deep Dive episode about how much it cost her to have a baby through the private healthcare system over here: https://open.spotify.com/episode/2LF287iIFC143YjlgoCjg0?si=H-2PCKo1Qk2qDDtYIySV1g 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.

    How Does Parental Leave Work?

  2. 3d ago

    She Couldn’t Get a Credit Card as a Single Mum. It Became a Blessing in Disguise.

    She became a mum straight out of Year 12. Four years later, she had her second son and was raising two boys on her own. Money was tight. Really tight. She used to keep a Word document mapping out six weeks of expenses because she needed to know exactly what was coming in and exactly what had to go out. Some weeks, once the rent was paid, there was food in the cupboard and petrol in the car, she had $20 left. So they got hot chips. They camped in the backyard. Ate breakfast on the trampoline. Had treasure hunts around the house with a bowl of lollies waiting at the end. Years later, she asked her son whether he remembered growing up feeling like they had no money. He said no. He remembered having the best childhood ever. I think that tells you quite a lot about this Money Diarist. Today, at 44, those boys are adults and she’s in a completely different season of her financial life. She runs her own building design business, which turned over $220,000 last financial year. She’s put $50,000 into shares, has hit $200,000 in super and is preparing to buy into a home with her new partner. But she’s also trying to make up for lost time without treating the present like a waiting room for retirement. Because after spending so much of her life making sure everyone else was okay, she’s now working out what it looks like to build wealth, travel, enjoy her money and create the future she wants. Turns out, you can start later and still build something pretty bloody incredible. 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.

    She Couldn’t Get a Credit Card as a Single Mum. It Became a Blessing in Disguise.

  3. 6d ago

    Fight, Flight or freeze? How I Overcome Anxiety Around Investing.

    Lovers, we’re in a romance recession! :’[ Join Bec and Jess for a laid-back episode of Friday Drinks, featuring this week’s Money Wins and Broke Tips, plus a romantic Question of the Week (aww cute). While Victoria is away, these microphone mice will play, bringing you some casual yaps concerning community dilemmas and DMs.  Starting off, they’ll be discussing a relationship-related dilemma concerning superannuation and permanent residency. Then they’ll be rounding out the ep with a very relatable experience concerning an investing practice. Raise your hand if your share portfolio has ever put you in a state of fight, flight or freeze? Tune in if you want to feel less alone and more prepared for the highs, lows and realities of investing.  INVESTING CHEAT SHEET, INCOMING: Grab a copy of our investing cheat sheet over on our website shesonthemoney.com/download-resources. WTF IS COMPOUND INTEREST? Learn all about what folks have described as the eighth world wonder by searching for ‘compound interest’ on the blog: shesonthemoney.com/blog LOVE WINS: Whether you or your partner is pursuing a PR, learn all about your superannuation rights over at the ATO: https://www.ato.gov.au/individuals-and-families/coming-to-australia-or-going-overseas/coming-to-australia/returning-to-your-home-countryAnd https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/temporary-residents-and-superannuation/departing-australia-superannuation-payment-dasp#ato-HowDASPistaxed 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.

    Fight, Flight or freeze? How I Overcome Anxiety Around Investing.

  4. Sep 29 ·  Video

    How I Spend Smarter: Grocery Edition

    Unexpected savings in the bagging area. Tune into this week’s Deep Dive episode to hear how to spend smarter during challenging economic times. Join Bec and Victoria for a juicy episode dedicated to saving money on your grocery shop. Together, they’ll be providing us with some context to explain why things are so expensive RN, and how much things used to cost a decade ago. The gang will also be sharing how our everyday costs are impacted by economic factors like wages, inflation, supply chain disruptions and CPI. Come for actionable tips for saving money at the checkout, stay to finally find out the price of eggs. FAMILY GROCERIES COST HOW MUCH? Check out our article on how much Aussie families are spending on groceries (and how to save) by searching ‘grocery’ on the blog: www.shesonthemoney.com/blog/family-grocery-costs-and-tips  AN ENDLESS SOURCE OF MONEY WINS & BROKE TIPS? Say no more. Join the She’s on the Money Facebook Group to tap into the hive mind’s suggestions and thrifty tips at https://www.facebook.com/groups/ShesontheMoneyAUS JOIN SHOPBACK: Join Shopback and save on stuff you buy everyday at www.shopback.com.au  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.

    How I Spend Smarter: Grocery Edition

  5. Sep 27

    She Did Everything ‘Right’ With Money. Now She Feels Completely Stuck.

    At 19, this week’s Money Diarist bought her first home. It was a very unglamorous $135,000 unit that she lovingly describes as looking like a retirement village. But while her friends were buying cars and spending their money elsewhere, she and her then-boyfriend decided property was the priority. And it changed what came next. They travelled. Lived overseas. Came home. Bought their family home. Went through IVF. Had their beautiful son. Survived a redundancy. Spent years with her husband working away while she essentially solo parented. And through all of it, they kept doing something remarkably unsexy but incredibly effective: living below their means. No flashy cars. No keeping up with the Joneses. No consumer debt. Then, at 41, her husband looked at their offset account and realised something. They didn’t owe anything on their mortgage anymore. Now they’re 42, completely debt-free and earning around $265,000 as a household. She owns part of the marketing agency she works in, they travel regularly and they finally have serious capacity to build wealth. There’s just one tiny problem. They’re terrified of getting it wrong. They’ve spent more than two decades becoming exceptionally good savers. Now they need to work out how to become investors. And I think this is the part of being “good with money” we don’t talk about enough. Because eventually, saving can only take you so far. 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.

    She Did Everything ‘Right’ With Money. Now She Feels Completely Stuck.

  6. Sep 24

    My Wedding Plans Are A People Pleaser’s Nightmare

    Riddle me this: why are people pleasers framed as the problem? Surely, we should be turning our focus back onto the boundary-pushers! This week on Friday Drinks, we’re coming in hot. Join Victoria, Jess and Bec to discuss the community’s best Money Wins, Broke Tips, and a Question of the Week that starts off bookish, but quickly gets… wild? You’ll have to hear it to believe it.  The gang also covers this week’s community dilemmas concerning Capital Gains Tax (CGT) on your primary residence, and a rather juicy DM from a bride-to-be who wants to know who actually has a say in her wedding plans. Fiscal and familial drama ensues.  WEDDING BUDGET: Here’s a link to V’s wedding spreadsheet to help you budget for yours, shesonthemoney.com/download-resources CHAT TO AN EXPERT: The key to making better financial decisions? Surround yourself with experts, like our team of mortgage brokers at Zella. Book at consultation at www.zella.com.au/book-consultation/  MYGOV’S CAPITAL GAINS TAX CALCULATOR: A handy tool that could be useful in your investmentswww.ato.gov.au/calculators-and-tools/capital-gains-tax-record-keeping-tool#ato-Gotothetool  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.

    My Wedding Plans Are A People Pleaser’s Nightmare

  7. Sep 22 ·  Video

    How To Pay Off Debt On a Low Income

    Credit cards. Personal loans. Buy Now, Pay Later. Australians are in debt in a big way. But, there’s always a way out. This Deep Dive is dedicated to helping you or someone you know eliminate debt and learn how to avoid it for good… and, all on a low income. Join Victoria for a special solo episode to firstly, shed the shame around borrowing money (by learning just how much everyone else has borrowed), then hear how to navigate your way out of debt using proven cashflow and budgeting tactics for low income earners.  We’ll cover why people get into debt in the first place, the dark design of repayments, and end on a few examples to demonstrate how you might escape debt for good. Get ready for the bounceback, ‘cause the recovery is real and always within reach. PAY IT DOWN: Here’s a playlist dedicated to the art of paying down debt https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=qOdbgLrBS3STvMzELWiAqg PERVE ON OTHER PEOPLE’S DEBT: Learn how much credit card debt other Aussies actually have by searching ‘debt’ on the blog: www.shesonthemoney.com/blog CONTACT THE NATIONAL DEBT HELPLINE: Visit the National Debt Helpline at ndh.org.au/financial-counselling/what-is-financial-counselling/ for free, confidential, and independent support for getting out of debt, gang.  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.

    How To Pay Off Debt On a Low Income

  8. Sep 20

    $40K Invested, a $1.7M Property at 26 and Still Scared to Spend Money

    At 26, this week’s Money Diarist has nearly $40,000 invested, $46,000 in super and has just bought a six-bedroom home on 25 acres with her mum and younger brother. There are horses. There are stables. There’s a riding arena. Honestly, she’s doing pretty well. But the interesting part of this story isn’t actually how much she’s managed to build. It’s how difficult it still feels to spend any of it. She grew up in a financially comfortable family until her parents separated when she was 10. Her father’s financial abuse left her mum working three jobs to keep life as normal as possible for her children. There were nights when there wasn’t enough money for dinner, but her mum somehow managed to turn those moments into childhood memories of going to friends’ houses for tea. As she got older and realised what had actually been happening, money became safety. Birthday money was hidden away for a rainy day. Unplanned purchases could send her spiralling with anxiety. And even now, with an emergency fund, investments and money specifically saved for something she needs, spending it can still feel incredibly uncomfortable. Today she’s a paramedic earning around $90,000 base and almost $130,000 last year with penalties and overtime. She invests $400 a fortnight, salary sacrifices another $200 into super and has just taken on a $1.57 million mortgage with her mum and brother. She’s done an incredible job learning how to save and invest. Now she’s learning that sometimes being good with money also means giving yourself permission to actually 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.

    $40K Invested, a $1.7M Property at 26 and Still Scared to Spend Money
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Hosts & Guests

4.2
out of 5
94 Ratings

About

Australia’s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and yes actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat, just way better for your bank balance.  It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.  

Information

  • Creator
    Victoria Devine
  • Years Active
    2019 - 2026
  • Episodes
    1K
  • Rating
    Clean
  • Copyright
    © 2026 Victoria Devine
  • Show Website
    She's On The Money

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