Even some of the most successful people you know started at rock bottom like $60k in debt, no job, and pretending everything is totally fine. That was Jane Lu’s life… right before she built Showpo. And today, Jane is speaking candidly about it all.The pressure to pick the “good girl” career, the fear of disappointing her parents, the panic of feeling behind while everyone else looks like they’re sprinting ahead and the moment you realise you’ve built a life around other people’s expectations and now you have to undo it.  But interesting part is what came next, and nothing about it looked like the beginning of a global brand. Cofounders walked. Ideas fizzled. She was building websites in the State Library and quietly hoping no one noticed she was making it up as she went. And then, slowly, things shifted. A call she made out of instinct, a social moment went viral and she found a way of working that suited her Lazy CEO approach. This became the backbone of the business she’d grow into a company valued at more than $100 million.

In this ep:
✨Her mindset shifts about the "safe" career
✨How to rebuild when your confidence is shot and your bank account is judging you
✨The small (almost accidental) move that blew open her career
✨Lazy CEO rules that help you stop doing the absolute most
✨Why your messy chapter isn’t a setback, it’s leverage

JANE'S LINKS: Showpo's website, TikTok & Instagram
Her personal website, Tiktok & Instagram 

READ: Victoria's book The Business Bible just won the Entrepreneurship and Small Business Book of the Year at the 2025 Australian Business Book Awards. You can find it 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.

Some weeks it feels like you’re doing everything right with money… and still getting nowhere. If that’s been your energy lately, you’re not alone. This week we’re unpacking why that happens, what it means when your effort isn’t matching the outcome, and the practical ways to reset without throwing your whole plan in the bin. We also heard from someone in our community who’s feeling the annual Christmas tug-of-war: wanting to keep things simple and values-aligned, but also navigating grandparents who love a shopping spree and a partner who’s all in on the festive chaos. So we chat through how to set boundaries without being the Grinch, how to rethink “enough” at Christmas, and the small shifts that stop the season from steamrolling your sanity or your savings. Plus your money wins, unhinged broke-tips we never see coming, and the usual Friday fun to kick-off the weekend.

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.

If you want to wow your family with a fancy-looking Christmas feast while secretly spending way less, you need this episode. We called in our favourite bougie-on-a-budget queen, Chelsea Goodwin, to show us how to pull off a Christmas table that looks rich, festive and fabulous, while your actual grocery bill stays unbothered. Chelsea is dropping 17 genuinely clever hacks that will shrink your Christmas food spend. We’re talking the ingredient tricks that do double duty, the meats that seem fancy but aren’t, the sides that look like you catered, and the planning secrets that stop the Christmas Eve trolley panic. And yes, she brought her full under-$100 Christmas menu. It’s generous, it’s gorgeous, it’s chaos-proof and you’re absolutely allowed to steal it.

In this ep:
🎄A Chelsea's best hacks to help you save at the checkout this Christmas
🎄Which meat options create the most “expensive” looking centrepiece for the least money.
🎄Where to buy seafood for dramatically less than supermarket prices.
🎄Side upgrades that make cheap ingredients look professionally catered.
🎄Prep shortcuts that save money, oven space, and your stress levels.

DOWNLOAD: Chelsea's Full Christmas Menu For $100

CHELSEA'S LINKS: Website, Books, Instagram, Facebook Group

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.

A year after being thrown head first into financial litteracy and producing over 200 episodes of  She’s On The Money, our behind the scenes queen Emma is here to share exactly how her finances and money mindset has changed. This is what happens when real life, rising costs, and a very loud financial education collide. A home that wasn’t meant to be forever suddenly holds the key to a much bigger plan. One tiny change inside her super she'd been putting off ends up doing far more than she expected. And the investing strategy she used to overthink becomes the thing that finally gives her financial clarity.

Inside this ep:
💰The cashflow move her family is making to unlock wealth sooner
💰How she's investing to retire at 55, and what she's prioritising in her portfolio to get there
💰The emotional hurdle she had to get over before she could start investing at all
💰A tick box she ignored for years, but now it's unlocked the potential for a $50k return
💰Why starting in your 40s is absolutely not too late (and the maths that proves it)
💰What she learned from listening to your money stories every single week

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.

You’re trying to save, plan, be responsible, do the grown-up things, but underneath it you’re tired in a way that a weekend off doesn’t quite fix. If that’s you, this week we’re talking about the moments where your financial goals start clashing with your wellbeing, and how to tell when you’re pushing yourself for a dream versus pushing yourself past your limits. Plus, what does progress look like when you’re burnt out, and how do you protect the version of you you’re building all this for? Then we're diving into leaving a job without burnining bridges... and still getting a good reference. Whether things are a bit tense or fully toxic, navigating an exit in a small industry is tricky at best. So we explore the smarter ways to manage references, timing, expectations, and how to leave a workplace with your dignity and your options intact.

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.

Every December starts with good intentions and ends with the same sentence: how did I spend that much? Because Christmas has a way of turning even the most financially competent women into festive chaos elves… not because you’re “bad with money,” but because the whole season is engineered to hijack your brain. This week, Victoria unpacks the psychology behind Christmas overspending and the subtle mind games retailers play that make you feel generous when you’re actually being steered. This isn’t about being a Grinch. It’s about finally seeing the tricks for what they are, so you can have a Christmas that still feels magical, without the financial regret in January.

In this ep:
🎁How one tiny purchase sets off a December domino effect you won’t notice till January. 
🎁The invisible cost of trying to look generous, thoughtful, or “like you’ve got it together.”
🎁 Emotional hooks retailers use to convince you you’re being generous… when you’re actually being played.
🎁 The exact moment most regrettable Christmas buys happen (and why you don’t see it coming).
🎁 How this mindset reset that breaks the Christmas spending spell and gives you back control.

LISTEN TO: A Very SOTM Christmas Playlist.The soundtrack for keeping the Christmas magic high and the spending urges low. Think twinkly lights, cosy nostalgia, and zero retail manipulation. Press play every time you’re tempted to add one more present to cart... You've got Christmas at home.  

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.

If you’ve ever looked at your payslip and thought “there’s no way I can build anything on this,” this diary is the proof you need. Our Money Diarist started on eight dollars an hour at Macca’s, saved like a girl with a plan, and built a foundation that most of us don’t hit until our thirties.... and she did it before she could legally rent a car. This episode is packed with the stuff that actually matters when you’re starting small. The tiny habits that added up to her first thirty thousand dollars. The mindset that kept her choosing long-term wins over short-term fun. The discipline she built on a low wage that turned out to be her biggest superpower once her income jumped. If you’ve been telling yourself you’ll start saving “when you earn more,” this diary will change your whole perspective, and maybe your next pay cycle too. If you want the motivation to start with what you’ve got, this diary will light that fire. 

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.

This special episode was created for our First Nations community members. Victoria invited Leah Bennett from the First Nations Foundation on the show to talk through the realities, pressures and systems that shape money confidence for First Nations people today.

Leah shares how history, culture and community responsibilities influence financial literacy, why trust in institutions can be hard to build, and the practical steps that can help you feel more in control. They also discuss superannuation, humbugging, accessing ID, and where to go for free and culturally safe support.

Inside this episode:
• The importance of culturally informed financial education
• How history and systems impact money confidence today
• Practical steps to start building financial security
• What to know about super, beneficiaries and early access
• Support available through financial counsellors and Indigenous banking teams
• Understanding humbugging and setting boundaries that feel right for you

FIrst Nations Foundation Website

FOLLOW: Leah Bennett on Instagram here.
First Nations Foundation on Instagram here.
Rich Blak Women om Instagram here.
First Nations Foundation  on Youtube here

LINK: We have created a blog with links for resources, support and education here. 

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.

Ever seen a crypto bro promising this coin is going to be the next big thing and thought… okay but what if? Well this week we got a DM from someone whose partner has fallen for the hype hard. So we're taking a closer look at crypto is, what it isn’t, why it feels so convincing online, and how to tell the difference between investing and straight-up gambling. We're also answering what to do when you’ve paid off a loan and suddenly have an extra $1,000 a week. Save it? Invest it? Split it? We talk through the simple framework that helps you figure out what actually makes sense for your timeline and goals. Plus we've got all your fave money wins, broke tips and the usual Friday chaos.

LAST DAYS: Want to learn how to invest (or just get your money sorted)? Our Bundle Sale is live! Up to 30% off our most-loved courses and tools, to help you feel clear, confident, and in control. Check it out here.

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.

You know when you’re standing in front of your overflowing wardrobe, absolutely drowning in clothes, and still somehow convincing yourself you have nothing to wear? Today’s guest knew that feeling all too well… until she decided she wasn’t buying a single new item of clothing for a whole year. Yes, Emma Edwards did the thing a lot of us love conceptually but would never have the courage, discipline, or emotional stability to actually commit to. Jess Ricci is self-admittedly in that group, so she decided to give Victoria the day off, and invite Emma into the studio to find out all about it. They dive into how what started as a “maybe this will calm my spending” experiment ended up rewiring Emma’s confidence, her habits, her body image, and the way she understood her own self-worth. Turns out the problem wasn’t the wardrobe… it was the stories she’d been telling herself every time she added something to her cart.

Inside this ep:
👗 The sneaky emotional loops that make you impulse spend
👗 Why your fantasy self has way too much influence over your actual budget
👗 The mindset shift that makes old clothes feel brand new again
👗 How to rebuild a wardrobe you genuinely love wearing 
👗 The inner peace that hits when the parcels stop
👗 What happens when your style finally aligns with your identity
👗 How redefining her identity reshaped her finances

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.

Our very first Investing Diary has landed, and she is the perfect reminder that investing is absolutely for women like us. Before she ever opened an app, she genuinely believed investing was a world reserved for men on Wall Street. Then lockdown hit, the algorithm gods did their thing, and suddenly she was seeing finance content from women who actually looked and sounded like her. One rabbit hole later… her entire money story flipped. What started as curiosity turned into a full investing era. She binged podcasts, graduated from micro investing, and built herself a portfolio with a set-and-forget energy. Then life did what life does. First home. Wedding. New job. So she stepped back from investing and honestly forgot about her portfolio altogether. Two years later she logs back in… and realises it has grown by $20,000 while she invested exactly nothing. Inside this ep, Victoria gets pervy about it all: the ETFs doing the heavy lifting, the direct shares she bought because she could see their value, and the “accidental strategy” that is actually outperforming her partners. This one is proof that you do not need to be a man in a suit on Wall Street to grow your money in the sharemarket. You just need to start.

LEARN TO INVEST (& GET VICTORIA'S BUDGETING SYSTEM) FOR UP TO 30% IN OUR  BUNDLE SALE. 

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.