She's On The Money

Victoria Devine
  • 4.6 (74)
  • INVESTING
  • UPDATED SEMIWEEKLY

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. The $60k Debt Wake-Up Call That Changed Everything

    1D AGO

    The $60k Debt Wake-Up Call That Changed Everything

    If you’ve ever looked at your debt and thought how did I even get here, this one’s for you. Because that’s exactly where our Money Diarist found herself when she realised she was about $60,000 deep. There was a car. A wedding. Setting up a home. All the things that feel like you’re just meant to do as you build a life. Until one day she zoomed out and realised a life in debt wasn’t what she wanted for her family. Once she started learning how money actually works, everything shifted. She wasn’t bad with money like she’d always thought. She’d just never been taught. This episode is about what happens when financial literacy starts to click. How she tackled the debt without spiralling into shame. How a few strategic moves changed everything. And why when life later threw her a serious curveball, having those foundations already in place made all the difference. 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 sttanding referal patnership with Skye Wealth and only ever partner with people we trust. GET VICTORIA'S BUDGETING SYSTEM: Build a money system that actually works for you here. FREE MONEY TOOLS YOU'LL LOVE: All our best free resources in the 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.

    49 min
  2. Summer Starter Series: Making Saving Easier

    3D AGO

    Summer Starter Series: Making Saving Easier

    Saving money is one of those things we’re told should be simple, but somehow rarely feels that way. In this Summer Starter episode, we unpack why saving feels harder than it should, even when you understand the basics, and what actually needs to change for it to start working in real life. Victoria is joined by behavioural scientist Dr Lily Susman to explain how money habits form, why being tough on yourself often backfires, and how to build saving behaviours that align with your values and lifestyle. This episode will help you stop blaming yourself, see your money habits more clearly, and approach saving in a way that feels realistic, supportive, and sustainable. LISTEN TO EP 1: Budgeting and Cash FlowLISTEN TO EP 2: Managing DebtVISIT OUR BUDGET AND DEBT HUB: All our budget and debt rescources are here. FREEBIES: All our best free money resources in the one place 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.

    40 min
  3. Is a Bridging Loan Worth the Risk? And The Dating Money Red Flags We Can’t Ignore

    4D AGO

    Is a Bridging Loan Worth the Risk? And The Dating Money Red Flags We Can’t Ignore

    So who should actually pay on a date, and what are you meant to do when the bill arrives and someone suddenly gets a bit weird about it. This week’s Friday Drinks tackles a DM from someone newly back in the dating world who’s trying to work out whether she’s being too picky, or whether she’s just finally noticing the stuff she used to brush past, like the keeping score, the silence that feels like a test, and the little gold digger jokes that aren’t really jokes. We talk through what’s a fair preference, what’s an early warning sign, and how to be clear about your money values without turning dinner into a negotiation, and we asked the community what they think is normal early on because honestly the answers are revealing. We're also talking bridging loans, which always sound simple until you’re the one trying to buy before you sell and you realise how much of it comes down to timing, pressure, and having a plan if things don’t happen as quickly as you hoped. Victoria breaks down what they actually are, when they can make sense, and where the risk really sits, and as always we’ve got community money wins and broke tips that are both useful and unhinged at the same time.  THE BEST SOTM FREEBIES: Your 2026 Fresh Start: Free Money Tools You’ll Love Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram.  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.

    32 min
  4. How to Buy Property in 2026: Everything You Need to Know Before Getting a Mortgage

    6D AGO

    How to Buy Property in 2026: Everything You Need to Know Before Getting a Mortgage

    If buying a home feels harder (and way more confusing) than it did a year ago, no, you’re not imagining it. The rules have changed, the competition has changed, and suddenly everyone is talking about 5% deposits like they’re either your golden ticket or the end of the world. Lucky for us, mortgage queen Jaclyn Walsh is here to break down what’s actually going on in the property market heading into 2026. We unpack the headline changes everyone’s yelling about, what they mean in real life, and Jac’s inside scoop on how banks are really assessing and approving loans right now. Plus we answer the biggest property finance questions straight from our community. This episode is all about putting yourself in the strongest possible position to buy, without spiralling, second-guessing every move, or making rushed decisions you regret later.In this ep: 🏡 Why buying with five percent feels easier and more stressful at the same time 🏡 What banks have changed behind the scenes… and why it matters to you 🏡 The mistake first home buyers are making before they even start looking 🏡 How to buy without panic-bidding, overcommitting, or regretting it later 🏡 Why Victoria isn’t racing to pay off her mortgage (on purpose) 🏡 Hacks that shave years and thousands off your mortgage For all your mortgage and refinancing needs, you can contact Zella here.MORE EPISODES WITH JAC: Want to Buy Property in 2025? Here's How to Get PreparedCan Refinancing Really Save You Thousands?EVEN MORE PROPERTY EPISODES: Our full property playlist is here. FREEBIE: Get our She's on the Money Mortgage rate calculator 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.

    39 min
  5. Bec's Investing Confessions: Her First Year in the Share Market

    JAN 11

    Bec's Investing Confessions: Her First Year in the Share Market

    If you’ve ever told yourself investing is something you’ll get to later, when you have more money, more brain space, or a slightly more put-together life… this episode is about to ruin all of those excuses in the best way. Today, the one and only Bec Syed has volunteered to jump into the Investing Diaries seat so we can get pervy on her first year as an investor (and yes, it’s exactly as Bec-coded as you’d expect). She walks us through how she went from not really understanding what investing even was, to building an almost $1,500 investment portfolio in the background of her very normal, but very chaotic life. (Yep, we're so proud of her too!) We get into what it actually looks like to invest when you don’t have heaps of spare cash, why round-ups and automation are a game changer, and how seeing tiny wins along the way completely changed how money feels. In her lovable Bec way she's honest about the confusion, the questionable decisions, the accidental wins, and the fact that she still very much learning as she goes. It’s proof that you don't have to have it all figured out when it comes to investing, you just need to start. And if Bec can do it… honestly, so can you. 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 sttanding referal patnership with Skye Wealth and only ever partner with people we trust.  SHARESIES CODE: Sign up to Sharesies, deposit any amount and get a bonus $10 to invest, T&Cs apply.VISIT OUR INVESTING HUB: You'll find all our investing freebies, resources, courses & podcast playlists here.FREE MONEY TOOLS YOU'LL LOVE: All our best free resources in the 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.

    40 min
  6. Summer Starter Series: Managing Debt

    JAN 9

    Summer Starter Series: Managing Debt

    If you’ve ever looked at your debts and thought… I know I need to deal with this, I just don’t know where to start, this episode is for you. This is the next step in our Summer Starter Series, where we’re going back to the foundations that help you get on top of your money, in a way that actually feels manageable. In episode one we got ontop of our 4 most important numbers to know... what you earn, spend, own and owe, and today we're making a plan for that last one. We talk through how to prioritise your debts when you have more than one, how to choose a repayment strategy that fits your personality, and how to get out of that frozen, head in the sand feeling that keeps so many people stuck for way longer than they need to be. Victoria breaks down why some debt feels heavier than others, why paying the “wrong” one first can kill your motivation, and how to build momentum with your repayments. If debt has been stressing you out, this episode will help you feel clearer, calmer, and ready to take your next step.LISTEN TO EP 1: Budgeting and Cash FlowFURTHER LISTENING: How to pay off debt podcast playlist VISIT OUR BUDGET AND DEBT HUB: All our budgeting and debt rescoources are here. FREEBIES: All our best free money resources in the one place 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.

    42 min
  7. How Do You Know When It’s Time to See a Financial Advisor? And the Vet Bill Situation That's a Moral Minefield

    JAN 8

    How Do You Know When It’s Time to See a Financial Advisor? And the Vet Bill Situation That's a Moral Minefield

    If you’ve ever thought you should see a financial advisor, but also wondered if it's a now or later thing… this one’s for you. We’re chatting about that stage so many of us sit in. You want to do the right thing with your money, but you’re not sure whether a financial advisor makes sense for your current situation. We talk through when financial advice can really help, when it’s probably not necessary, and the other ways you can get clarity without spending a small fortune. Then things turn into a moral mine field... What do you do when you’re watching a situation unfold that doesn’t sit right with you, and you don’t actually have the authority to fix it? This week we dive into a DM from someone who’s deeply worried about a dog that’s been injured, emergency care paid for, but follow-up vet visits that keep getting pushed back. It opens up a really uncomfortable conversation about caring more than the person responsible, where the line is between helping and overstepping, and how hard it is to sit with concern when the final decision isn’t yours. Plus, as always, we’ve got community money wins, broke tips that are actually useful, and the kind of Friday chat that reminds you you’re not alone in any of this.$10 meals with Chelsea: Visit her website here and listen to her episode with us here.  THE BEST SOTM FREEBIES: Your 2026 Fresh Start: Free Money Tools You’ll Love Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram.  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.

    44 min
  8. Victoria’s 2026 Investing Playbook If She Had to Start From Zero

    JAN 6

    Victoria’s 2026 Investing Playbook If She Had to Start From Zero

    If you’ve been saying “I really should start investing" this episode is for you. Because wanting to invest and actually investing are two very different things. And for most of us, it’s not laziness or lack of ambition that keeps us stuck. It’s the quiet spiral of I don’t know enough yet... or I don’t have enough money... or what if I pick the wrong thing... and what if I mess it up. This episode takes all of that and changes it to confidence, because Victoria is breaks down exactly how she’d start investing in 2026 if she had to begin again with nothing.  Inside this ep:📈Why waiting until you feel ready is the fastest way to never start📈How starting small actually builds confidence quicker than going big📈The difference between risk and panic (and why investing isn’t gambling)📈What to focus on when you’re paralysed by too many options📈How to invest without it becoming your entire personality📈The important reason Victoria still prioritises investing over putting all her money into her mortgage 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.SHARESIES CODE MENTIONED IN THE EP: Sign up for the investing platform Sharesies, use the code SOTM10 and deposit any amount and Sharesies will give you a bonus $10 to invest.  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.

    1h 4m
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Hosts & Guests

4.6
out of 5
74 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
    923
  • Rating
    Clean
  • Copyright
    © 2026 Victoria Devine
  • Show Website
    She's On The Money

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