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PODCAST

She"s On The Money

Victoria Devine

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

business investing

All Episodes

47:43

Bougie on a Budget: 17 Hacks to Slash Your Christmas...

She"s On The Money ·

2025/12/09

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 thatlooks 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 thatseem fancy

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69:16

How a Year Making SOTM Completely Transformed Our...

She"s On The Money ·

2025/12/07

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

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36:12

Should You Push Through Burnout for Your Financial...

She"s On The Money ·

2025/12/04

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

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38:21

7 Sneaky Christmas Traps That Make You Blow Your...

She"s On The Money ·

2025/12/02

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

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34:37

Wait till You Hear What this 25 Year Old Has Built on...

She"s On The Money ·

2025/11/30

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

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47:34

Financial Confidence for Our First Nations Community...

She"s On The Money ·

2025/11/28

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,

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41:40

Is Crypto a Goldmine or a Gamble? And The Smartest...

She"s On The Money ·

2025/11/27

Ever seen a crypto bro promisingthis 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

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53:05

Emma Edwards Stopped Shopping for 365 Days and...

She"s On The Money ·

2025/11/25

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

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43:36

Investing Diaries: She Didn’t Invest for Two Years…...

She"s On The Money ·

2025/11/23

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

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39:10

DIY Investing vs Managed Portfolios: Which One Should...

She"s On The Money ·

2025/11/20

If you’ve ever heard “managed portfolio” and thought… okay but what actually arethey, this one’s for you. We break down what “managed” really means in practice, how they differ from your usual ETF mix, and the moments when outsourcing the mental load might make more sense than being your own fund manager. Then we get into a dilemma that had the whole office screaming: a partner who treats sales season like a competitive sport. The list is long, the logic is

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52:46

Your Superannuation Glow-Up Part 2: The Small...

She"s On The Money ·

2025/11/18

We all want a bigger super balance… but how do you actually make that happen in real life? Part 1 in our Super Glow-Up series got your foundations sorted, but part 2 is all about small things you can do to turbocharge your growth. We’re talking simple, realistic changes that add up to massive long-term results, even when life is expensive and you’re just trying to get through the week.In this ep:💸A $25-a-week habit that could snowball into 6 figures💸How a risk setting change

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39:04

Money Diaries Update: What Really Happens in a...

She"s On The Money ·

2025/11/16

This is the update you’ve all been waiting for… and a year later, she’s back to tell us what really went down. Last time we spoke, the separation was still fresh. Now the divorce is almost final, and everything that happened in between is the stuff every woman should know long before she ever needs to.We’re talking expectations versus reality, the loopholes no one warns you about, and the parts of the process that only make sense once you’re living them. She also

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40:16

Borrowing to Invest: Brilliant Move or Big Mistake?...

She"s On The Money ·

2025/11/13

You’re ready to start investing… and then someone suggests borrowing money to make your portfolio grow faster. It sounds genius in theory, but is it actually a smart move? This week we’re unpacking the financial advice one community member received about doing just that, and Victoria breaks down how these loans really work, why the maths can be seductive, and the little thing called a “margin call” that can throw your whole plan into chaos.Then we switch gears into

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28:42

Victoria & Brooke Reveal the Really Simple Framework...

She"s On The Money ·

2025/11/11

Want the inside scoop on the seriously simple strategy behind Victoria and Brooke's investment portfolios? This ep is all about the framework they both use today, and Victoria used with her high-wealth clients when she was a financial advisor. They're breaking down exactly how to structure a portfolio that quietly builds wealth without the 3am panic checks, how to balance steady growth with the spicy picks that keep it interesting, and why trying to beat the market is probably costing you more than

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49:23

She Cried Over a Holiday She Couldn’t Afford… Now...

She"s On The Money ·

2025/11/09

Have you ever wanted to see what would happen if you actually sat down and did that budget?This week’s Money Diarist actually did it and everything changed. After hitting rock bottom, the stress of trying to keep up finally broke her. One “yes” to a holiday with her partner she couldn’t afford turned into tears in the car and the realisation that something had to give. So she did what any of us would do, opened Google and typed “female finance book”. She came

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40:53

Should You Salary Sacrifice Into Super Or Save For a...

She"s On The Money ·

2025/11/06

What’s actually better for future you... adding more to your super, or growing that house deposit? This week we’re unpacking one of the biggest money dilemmas of adulthood and how to think about both goals without feeling like you’re failing at either.Turns out you don’t have to choose and there’s a smarter way to grow future-you’s money while still getting closer to those house keys. Then, things take a turn for the spicy. One community member's family drama has

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49:00

How Sammy Robinson Built the Cult Brand One Mile...

She"s On The Money ·

2025/11/04

You know that dream of starting something on your own... but the money part feels impossible? Sammy Robinson did it anyway. At 22, she took the savings most of us would use for a house deposit and built One Mile, the self-funded fashion label that’s become everyone’s quiet-luxury obsession (and yes, even Kendall Jenner’s worn it).In this episode, Victoria finds out how Sammy went from filming in her bedroom to running two Sydney boutiques and a multi-million-dollar label she still

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56:22

She Maxed Out Her $10K Credit Card Partying... Now...

She"s On The Money ·

2025/11/02

You know that feeling when you start earning your own money and suddenly everything feels possible... the festivals, the flights, the “let’s just go out”? This week’s Money Diarist lived that era hard. Working double shifts, saying yes to everything, and promising herself she’d deal with the debt later.Then later came… with a $10K maxed-out credit card, a $20K car loan, and a reality check that hit harder than the Monday shift after a Sunday sesh.But here’s

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40:48

Should You Invest While You're Still In Debt? And an...

She"s On The Money ·

2025/10/30

You’re smashing your financial goals, debt’s going down, confidence’s going up, and then that little voice pipes up: “Should I be investing too?” This week, we’re unpacking the guilt trip of the financially responsible. Can you actually build wealth while you still owe money? Victoria’s breaking down the maths and the mindset, and proving that sometimes the hottest ROI is just being a little bit boring. Then, an early-inheritance nightmare that’s

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37:16

How To Buy Property Without The Bank of Mum and Dad...

She"s On The Money ·

2025/10/28

If you’ve ever looked at house prices and thought, “I guess I’ll just marry rich or manifest an inheritance” this ep is for you! Victoria and Jess are here to prove youcan buy property without a trust fund, a partner, or a miracle. They’re breaking down the actually doable ways to get into the market... from decoding your borrowing power and super hacks to the spicy truth about LMI (spoiler: it’s not the villain). This isthe step-by-step playbook for anyone

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