Hypothetically, if you were offered a role abroad that you couldn’t refuse, but you’d finally saved enough for a house deposit, would you stick around and try to enter the property market or further your place in the career department?

This week on Friday Drinks, Victoria, Bec and Jess cover all the important topics: career aspirations, home ownership and relationships. 

We find out where the gang would travel to if they had $2k to drop on a holiday, plus Money Wins and Broke Tips from the community. Tune in if you’re looking for ways to find referral codes on your next purchase… or if you need a good brow gel replacement.

HOW TO BUDGET FOR YOUR DREAM TRAVELS: Tune into our playlist to help you plan for your dream trip at https://open.spotify.com/playlist/6xbOfw6jTVlqfoAzEzYv6v?si=xq-uwfsqQn2DnVrV0cAL1A

WANNA MAKE SOME EXTRA COIN? Did you know that you can earn $ by writing for Medium? Learn over here at medium.com/membership

HOW TO: TRAVEL ON A BUDGET: Here are our tips for travelling on a budget, now on the blog over here and if you search ‘travel’ at https://www.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.

Something we hear super often is, “How do I invest now, to prepare for a comfortable retirement later on?”. To which we say, “That depends…” 

In this week’s Deep Dive, Victoria and Bec unpack what you might need to invest each month to reach $1m by the time you reach retirement. Better than that, they’ll break it down by life stage so that there are relatable and actionable things to consider for you whether you’re in your 20s, 30s, 40s and beyond. 

Rather than simply telling you to earn or save more, or get better at budgeting, the team shares considerations around things like investing habits, superannuation, and salary sacrificing that scale with the characteristics of your assets. 

Rather than rushing in or feeling left out, this episode is about reframing your approach to investing over a lifetime.

GET YOUR FREE INVESTING CHEAT SHEET: It’s yours for the taking over at https://www.shesonthemoney.com/download-resources

HIGH-INTEREST SAVINGS ACCOUNTS: We’ve compiled a list of some of Australia’s most competitive high=interest savings accounts over on the blog. Search ‘high-interest’ at www.shesonthemoney.com/blog 

TUNE IN, TURN UP THE DIVIDENDS: Stream our investing playlist over at https://open.spotify.com/playlist/7iWOxtjWXFzTMLU6mtru2I

BROOKE'S FIRE PLAN: Learn how SOTM team member Brooke is investing to retire before 35, over at https://www.youtube.com/watch?v=NsuXtMcFLM8

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.

Growing up, her mum believed in spending now and worrying later. Her dad was the complete opposite. He planned ahead, saved where he could, and quietly showed her what financial security could look like.

After her parents separated, everything changed.

By 14, she'd landed her first job and was handing over every pay cheque, believing it was going straight into savings. It wasn't. When she finally asked for the money back, there was barely anything left.

That moment shaped everything that came next.

She worked three jobs while studying full-time, bought her first home on her own, met her now husband, and together they've built the life they'd always dreamed of. Today they're raising two little girls in their forever home on acreage, growing their investments and already thinking about the money lessons they'll pass on to the next generation.

We chat about growing up between two completely different money mindsets, buying a home solo in your twenties, building wealth as a family, finding a partner who champions your financial goals, and why sometimes the biggest gift a parent gives you isn't money. It's showing you the kind of person you want to become.

This conversation is equal parts heartbreaking, hopeful and incredibly empowering. And honestly? You're going to fall a little bit in love with her dad.
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.

Join Victoria and Bec for this week’s edition of Friday Drinks, filled with Broke Tips, Money Wins and a Question of the Week which puts our shower routines in the spotlight.

As always, the crew will be answering your Money Dilemmas, this time concerning income-protection insurance and whether a community member is being medically gaslit by their workplace. 

They also chat about how one listener might invest their inheritance for the best outcome. Hear what it sounds like to be humbled by the community’s grooming habits, and give us crispy shower towels or give us death.

CHAT TO SKYE WEALTH: Get a second opinion when it comes to your personal insurances over at www.skye.com.au/shesonthemoney

TUNE INTO OUR INSURANCE PLAYLIST: Run it back with episodes dedicated to insurance. Search ‘How to choose the right insurance’ on Spotify.

CRAVING MORE FRIDAY DRINKS INSPO? Look no further, we’ve made an entire playlist just 

for you. Search ‘Friday drinks motivation’ on Spotify.

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.

In favour of frivolity, we’ve given Victoria a week off from Deep Dive to bring you another acclaimed edition of Q&A with B&J! 

Bec and Jess are back to answer all of your fun community questions, including what reality TV shows they’d each do well at. (Give Jess the glass cake stand already!)

Tune in for a lighthearted episode with your two fave co-hosts covering casual yaps about fave weird flavour combos, things to consider if you’re thinking about leaving your 9-5 and what they’ve learned since working with SOTM. Vote Bec for Big Brother 2027.

B&J’s POD CAMEO LIST: Science Vs, Betrayal Weekly, Everyone Has An Ex, Diary of a CEO.

BEAN SOUP THEORY: ICYMI, here’s some TikTok lore about the Bean Soupification of the internet and how what-about-me-isms are making the internet homogenous. https://www.tiktok.com/@skylermapes/video/7568181892260941087

LIKE WHAT YOU HEAR? Here’s another ep brought to you by Bec & Jess. Search Building the Dream’ wherever you get your podcasts.

SHOUTOUT TO BERNIE’S: Fitzroy North represent. This is the queer bar mentioned in the pod, or search for Bernie’s Fitzroy North if you’re in Naarm.

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.

This week's Money Diary starts with a sentence I don't think I've ever heard before.

"I think I accidentally became rich."

Growing up, money was something her family never really talked about. She was raised by a single mum, grew up on Centrelink, won a scholarship to a private school, and didn't realise just how little they had until she was much older.

Fast forward to today and she's 34, has more than $100,000 invested, over $218,000 in super, a full year's worth of expenses sitting in her emergency fund, and recently quit her full-time consulting job to work on her own terms.

And here's the part I loved most.

She bought a house... then decided she actually didn't want one.

Instead, she's chosen a life built around flexibility, travel and financial independence, proving that building wealth doesn't have to look the same for everyone.

We chat about growing up without financial literacy, becoming obsessed with investing, why she contributes up to $2,000 a week to ETFs while the income is there, turning down home ownership, and what "enough" really looks like when you're designing a life you actually want.

This conversation is a reminder that there isn't one right way to build wealth. Sometimes the smartest financial decision is the one that gives you the most freedom.
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.

Which school do you fall into? Karaoke-forward or karaoke-averse? 

This week on Friday Drinks, Victoria, Bec and Jess are bringing you all the best Broke Tips and Money Wins from our community, plus money dilemmas that tread the investment line. 

They’ll discuss the pros and cons of lumped contributions versus dollar-cost averaging and whether you can make a relationship work if you’ve got opposing money values. What should we put on our She’s on the Karaoke playlist?

CANCEL YOUR SUBS: Another rogue $9.99 charge on your card? Can-it, with our blog to walk you through it all. Search ‘subscriptions’ over at www.shesonthemoney.com/blog

INVESTMENT CALCULATOR: Here’s a link to the calculate V mentions on the pod, https://investcalc.github.io/

FREE INVESTMENT CHEAT SHEET: Grab your copy of our investment cheat sheet over here: www.shesonthemoney.com/download-resources

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.

What do financial advisers actually do? Am I ready for financial advice? $10k has landed in my account, what do I do?!

On this week’s Deep Dive, Victoria invites friend-of-the-pod Daisy Egan, financial adviser with Everest Wealth to answer all of your pressing (and pure unhinged) financial questions. And sure, while some of them are normal and fine and reasonable, others verge on despicable. 

Come to learn about the largest portfolio size Daisy’s ever managed (Spoiler: there are many zeroes involved). Stay for the spicier q’s including: ‘I’m waiting for my nan to pass away. What things do I need to put in place tax-wise?’, ‘Have you ever told someone that they can’t afford to have a child?’. And ‘What are some sneaky tips to help me financially prepare to leave my husband?’.

Nosy parkers, assemble!

EVEREST PRIVATE WEALTH: Like what you’ve heard? Reach out to Daisy and the Everest Wealth team to book your consult at everestwealthgroup.com.au/booking

INVESTING Q’S? Here’s a blog dedicated to all of the investing questions you were too afraid to ask. Search ‘investing’ at shesonthemoney.com/blog.

TAKE CHARGE: Your personal finances won’t control themselves. Here’s a playlist to help you do it: https://open.spotify.com/playlist/3Q7i1EuswTgUAZL4pLSPaQ?si=-8Ej6rqdR4GEquJRHFgGBQ

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.

This week's Money Diary proves there isn't just one way to build wealth.

Growing up in a working-class family, she didn't inherit financial advice, a house deposit or a roadmap. So she made one herself.

From 18 to 25, she skipped renting altogether, house-sitting her way across Melbourne, looking after other people's homes and pets while quietly saving every dollar she could. It wasn't glamorous, but it helped her buy her first home on her own in her twenties.

Fast forward to today and she's 36, single, earns $177,000 a year, owns a home worth around $1.2 million, has more than $250,000 in super and is slowly building an investment portfolio, all without relying on a partner to get there.

We chat about climbing the corporate ladder while completing a master's and PhD, navigating redundancies, why she's still not convinced she deserves an A for her money habits, and the reality of building financial security on your own.

It's a conversation about doing things differently, trusting yourself, and remembering that building wealth doesn't have to look the same as everyone else's.

See omnystudio.com/listener for privacy information.

Just when you think you’ve paid it down, debt has this pesky way of rearing its ugly head. But why?

It’s Friday Drinks time, and this week Victoria and Bec are taking on money dilemmas big and small. One community member questions where her tax return is best spent repaying her HECS debt or salary sacrificing into super. While another questions why she keeps finding herself in debt-y situations when she’s never missing a payment. 

Tune in if you’ve ever wanted to understand the psychology behind debt and how you might finally get on top of things. With Money Wins, Broke Tips, and tools from the team, you’ll be leaving this episode with a spring in your step… and maybe with the Eurythmics in your ear?
THERE MUST BE AN ANGEEEEL 🎵If She’s on the Money had a theme song what would it be? Do you have a theme song for every member of the pod? What are our colours?! Share your suggestions in the comments!

PAY IT DOWN, BABY: We’ve got a whole playlist dedicated to debt reduction over here and at open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=NalcTJLaSiKjo8H9dyuaAg 

WAIT, IS THIS NORMAL? Here’s a blog on just how much credit card debt our community is in. You aren’t alone, and there is a way out. Search ‘debt’ at shesonthemoney.com/blog/.

BOOST YOUR SUPER: With this video right here over at youtu.be/o0dYWW4e5mg

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.

Inflation highs, SpaceX selloffs and IPO rumours. Welcome to our first market update for the new financial year, where Victoria and Bec take a closer look at inflation, its impact on the stock market and what predictions we might have for FY27. 

If you feel a little overwhelmed by it all, we’ll be breaking down what various market indicators mean for your money, plus what to keep an eye on in the months to come. Tune in to hear how some of the more popular ETFs have performed as of June, and why the Great SpaceX Selloff might be a test run for more trillion-dollar launches to come. 

OUR CHEAT CODE FOR ETFS: They’re all yours at shesonthemoney.com/download-resources.

THE IMPORTANT OF REGULAR INVESTMENTS: Read about the pros of consistent contributions over reactive investing on the blog. Look up ‘regular-contributions’ on the shesonthemoney.com/blog

WANT REGULAR MONEY UPDATES? Sign up for SOTM News delivered straight to your inbox via shesonthemoney.com/sotm-newsletter-signup.

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.