She's On The Money
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She's On The Money
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 actuall...
Episodis Recents
947 episodis
Are You Actually Behind Financially? And the 12 Month Job Myth
You're saving. You’re investing. You’re working towards your financial goals..... and yet somehow you’re still stuck in the exact same place? This wee...
How Being a Woman Changes Your Insurance (and Why We End Up Claiming More)
What would actually happen if you couldn’t work tomorrow… and your income just stopped? Because here’s the uncomfortable truth: Insurance isn’t gender...
The $110-a-Month Decision That Saved Her When the Worst Happened
If you've ever asked yourself if personal insurance is really worth it... you need to listen to the episode! This week’s Money Diarist always consider...
High Pay vs Flexibility: What’s the Best Career Choice?
International Women’s Day is this weekend, and while we love celebrating incredible women, it also felt like the perfect time to talk about some of th...
Equity Explained: Is It Really the Shortcut to Getting Rich?
Everyone keeps saying “just use your equity” like it’s some kind of cheat code to getting rich… but what does that actually mean? To break it all down...
She Bought Her First Home With a 2% Deposit on an $86k Salary
If you’ve ruled out owning property because you don’t have a 20% deposit… or you’re single… or your salary isn’t over $100k, well this week’s Money Di...
Why Owning Property Isn’t Always the Safety Net You Think... And the Relationship Red Flag That Has Us Concerned
Property is supposed to be the ultimate safety net… so why does it sometimes just feel like stress (and a second full-time job you never applied for)?...
The Questions Everyone Has About Investing in the Share Market, Finally Answered
You’ve got investing questions… because wanting to build wealth and still being confused is completely normal. And instead of pretending we all have i...
Investing Diaries: How She Turned Early Investing Mistakes Into a $100k Portfolio
Have you been waiting to start investing because you’re scared you’ll get it wrong? This week’s Money Diarist started with a hot stock tip from her Da...
Does Your HECS debt Really Matter? How to Set Money Boundaries at Work
You know that moment where you see your HECS balance, and immediately reconsider every life choice you made at 18? This week we’re unpacking that HEC...
Nailing Your Finances in Your Single Era (and Beyond)
Being single isn’t a money downgrade… it’s just a different rulebook. One where you’re covering the full cost of life, making every decision solo, and...
The Move That Made Homeownership Possible
Ever looked at house prices and thought that could never be me? This week’s Money Diarist had that exact moment. She was newly married, with $50 in th...
Are Bonds or ETFs the Better Investment Option? What to do When Your Tax Accountant is Being Dodgy
You know you should be investing… You’ve heard the words bonds and ETFs.... but which one is going to make you better off? This week we’re putting bon...
Debt Recycling 101: What It Actually Is and Whether It’s Right for You
If you believe the finance bros on TikTok, debt recycling is the magic wealth building hack everyone with a home should already be using. But is it re...
How This 24 Year Old Without a Degree Earns $180k a Year (and Is on Track to Retire at 50)
You don’t need a uni degree to earn $180k a year. This week’s Money Diary proves it. Oh and did we mention she’s only 24?!?! So of course Victoria get...
Is a Guarantor on a Property Loan a Smart Move? Plus, When Using Your Super Early Makes Sense
Have you ever been offered financial help that sounds generous… but you're worried if it comes with strings attached. This week’s Friday Drinks dives...
The Small Habits That Quietly Made Us Richer
The biggest money glow-ups rarely come from one big decision. They come from the small changes you stack without realising how much they’re adding up....
The $75k Property Nightmare We Didn’t See Coming
This week’s Money Diary is a property rollercoaster. One that starts off feeling sensible… and then does three loop-de-loops. Our diarist bought, reno...
Summer Starter Series: Get Your Superannuation Sorted
You don’t need spare cash to make your future better. You just need to make sure the future fund you already have is working as hard as it can for you...
What Will Make You Richer: Money in Your Offset Account or the Sharemarket? Plus, How To Handle Family Estate Disputes
Which one makes more money sense? Smashing down your mortgage faster, or putting that money to work in shares? This week’s Friday Drinks opens with on...
How to Invest in the Share Market for Kids (Without Losing It All to Tax)
Everyone wants to give their kids the best start in life, and investing for them feels like the obvious answer… right up until the tax rules turn the...
Not a Date to Celebrate with Clothing the Gaps
January 26 isn’t just another public holiday. For many First Nations Australians, it marks the beginning of invasion and the impacts of colonisation t...
Summer Starter Series: Protecting Yourself With Personal Insurance
What would you do if you woke up tomorrow and couldn’t earn an income anymore? How long would it be before your safety net ran out? In the forth episo...
Are Your Parents Risking Their Retirement? And a Spicy Wedding Bill Drama
Do you ever worry your parents are making bad money decisions… or heading toward retirement totally unprepared? This week’s Friday Drinks starts with...
What a Family Lawyer Wishes Every Woman Knew About Money and Relationships
This is the episode every woman needs to hear. Because most of us think money in relationships will just sort itself out, or that breaking up is somet...
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 herse...
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 savi...
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 F...
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 ha...
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 l...
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 t...
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 th...
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 differe...
From Financially Clueless to Confident With Money: How She Turned It All Around
This Money Diary starts at the exact moment you realise… okay, I can’t keep doing money like this. Our diarist had spent a few years doing exactly wha...
Summer Starter Series: Budgeting and Cash Flow
This summer, we’re dropping a bonus foundations series for anyone who’s ready to feel more in control. Whether you’re brand new here, or you’ve been l...
The Fresh Start Your Money Actually Needs in 2026 (No Matter Where You’re Starting From)
Want 2026 to be the year you get your money on track? This ep is the perfect place to start. It’s our very first Friday Drinks of the year and instead...
Even More Unhinged Savings Hacks
Sometimes a spreadsheet isn’t going to cut it. Sometimes the only thing standing between you and an impulse purchase is a genuinely unhinged obstacle,...
A Love Letter to Everyone Who Survived 2025
If December has you replaying the year in your head, thinking about the money choices you made, the goals that shifted, or why things didn’t quite lan...
THE SOTM EOY PARTY… Plus Should You Get a Credit Card & Is Building a Home Really Cheaper Than Buying?
It's our biggest Friday Drinks of the year so we're throwing a party aka our year in review. The stats, the moments that surprised us, and the communi...
Our 5 Christmas Wishes For You (That’ll Make You Richer, Calmer & More Confident in 2026)
This is the one conversation you need to hear before the year ends, because the way you think about money right now will shape how 2026 feels far more...