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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

51:32

She Left Her Husband With $12K and Two Suitcases......

She"s On The Money ·

2025/10/26

They say you end up with someone like your dad... and for this week’s diarist, that was the problem. Her dad was reckless with money, and years later, she married someone just like him. While she worked and saved, he spent, quit jobs on a whim, and left her holding the financial bag. At 30, she’d had enough. She packed two suitcases, took her last $12K, and started again. . Now building wealth on her own terms (complete with a partner who actually gets it) and even usingdebt recycling to

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36:29

Should You Quit A Toxic Job Without a Backup Plan?...

She"s On The Money ·

2025/10/23

Ever had a job so toxic it makes your morning coffee taste like dread? This week, a community member wrote in ready to walk... 60-hour weeks, zero recognition, and a boss who extended her probation “just because.” She’s got a mortgage, $20K in savings, and one big question: is it smart or reckless to quit with nothing lined up? It’s a debate every burnt-out queen needs to hear... equal parts therapy and tough love.We're also tackling what to do when you can't get insurance

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28:30

We Accidentally Found the Travel Hack That Saves You...

She"s On The Money ·

2025/10/21

You scrimp, save, and finally book your dream trip… only to spend it fighting for a pool lounger, paying peak rates for accom, and cropping 100 tourists out of your sunset pics.Well, on our recent trip to the NT, we realised we’ve been doing travel wrong. And because we don’t gatekeep at SOTM, this ep is all about our new fave travel hack. One that's completely changed how we think about timing, value, and what makes a holidayactually feel rich.In this Deep Dive, we unpack why

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54:44

She Skipped Uni, Travelled for 4 Years… and Still...

She"s On The Money ·

2025/10/19

Ever done something just because it’s what you’re supposed to do? Well, this week's diarist did the opposite. While everyone else was drowning in student debt and instant noodles, she was saving, flying, and somehow adulting better than all of us. She bought a house in her early twenties, lived overseas for years, and came home with more life experience than any degree could buy. Spoiler: doing life “out of order” might’ve been the smartest move she ever made. Inside

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33:36

How to Set Up Your Kids (Without Losing Your...

She"s On The Money ·

2025/10/16

We all want to be the parent who “sets the kids up,” right? But between savings accounts, offsets, and “future nest egg” fantasies it's hard to know what to do. So this week we’re breaking down how to actually make your money work harder (for you and your mini-me).Then things get spicy with a DM that split the community: she’s saved $150K, he’s got $64K, and they both want to own the house 50/50. Do you still go halves? Do you lawyer up? Or do you just call

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51:05

The Daily Edited & In The Roundhouse: How Alyce Tran...

She"s On The Money ·

2025/10/14

What if your "little side-hustle" became the next big brand everyone’s talking about? That’s exactly what happened to Alyce Tran, the ex-lawyer who turned a $5K side project into The Daily Edited, built stores in New York and Singapore. Then, because one cult brand wasn’t enough, she launchedIn The Roundhouse, the tableware label making dinner look like a fashion moment. In this ep Victoria finds out exactly how Alyce went fromcorporate girlie with a creative itch to a serial

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51:23

The Teen Mum Who Went From Centrelink to a Six-Figure...

She"s On The Money ·

2025/10/12

Ever feel like everyone else’s life is speeding ahead while you’re stuck in the slow lane? This week’s Money Diarist knows that feeling too well. While her friends were off travelling, she was juggling uni deadlines and midnight feeds.At 17, she was pregnant and kicked out of school for being a “bad example.” Instead of giving up, she finished Year 12 through TAFE, raised her baby, went to uni, and rebuilt her life from scratch, all while living on Centrelink.Fast

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40:47

How Much Should You Actually Save Before Having a...

She"s On The Money ·

2025/10/09

Ever feel like your money goals are at war with your life goals? Like one minute you’re saving for a house… and the next you’re convincing yourself a Euro summer is “an investment in personal growth”?This week’s DM came from someone stuck right there... her partner’s all-in on buying a home, while she’s eyeing flights. And honestly? We get it. Because trying to choose betweenliving life and getting ahead feels like an impossible math problem.So

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45:51

Brooke’s FIRE Plan: How She’s Investing to Retire at 35

She"s On The Money ·

2025/10/07

Retiring early is the ultimate dream... so when Brooke casually dropped that she’s on track to do it by 35 (without the Bank of Mum and Dad), you all screamed a collective “HOW?!” So of course, Victoria had to get her back in the studio to spill everything... and more importantly, share what the rest of us can steal from her strategy without living on two-minute noodles. Turns out, it’s not magic, she started on a $50K salary and built it dollar by dollar with smart habits,

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32:24

Money Confessions: What It Actually Costs to Launch a...

She"s On The Money ·

2025/10/05

Ever wondered what it really costs to turn a light-bulb moment into something real? This week’s Money Diarist is a mum of two who did exactly that. She created a world-first product that launched just two weeks ago, and now she’s here to do what most founders wouldn’t: spill on every dollar it took to make it happen. From losing out to a dodgy sourcing agency to somehow pulling together $200K through pure determination, she’s laying it all out... the risks and the real-world

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46:10

Should you use equity in your home to buy a car? And...

She"s On The Money ·

2025/10/02

Have you ever wondered if you can use home equity to buy something else you need… like a car? The low interest rate makes it sound like the ultimate hack, but would it really be the money win it feels like... or are you just turning a car loan into a decades-long debt trap? We’ve got the receipts.And just when we thought we’d seen it all, a community member slid into our DMs with a first-birthday invite that came with a twist: instead of saying no presents, it asked for something

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40:25

Your Superannuation Glow-Up Part 1: The $0 Tweaks...

She"s On The Money ·

2025/09/30

You’ve listened to our episode about how much super you really need… but knowing your number is only half the story. The real question? How do you actually get there. Enter our Superannuation Glow-Up series. Part 1 is all about getting the right foundations in place for you and Victoria is serving up the $0 tweaks that could completely shift the trajectory of your retirement.💸 A quick “pay check” that could expose if you’re missing money💸 The free tool that makes

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55:21

She Was Told She’d Never Make It. 200 Rejections...

She"s On The Money ·

2025/09/28

What do you do when you’ve applied for hundreds of jobs and all you’ve got is rejection emails? This week’s Money Diarist knows the answer.... because she kept going. But this episode isn’t just about the knock-backs. It’s about grit, glow-ups, and the moment everything finally flipped. From small-town “you’ll never make it” whispers to proving every single doubter wrong, this one will hit every nerve if you’ve ever felt stuck, behind, or ready

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37:40

How Much Does HECS Really Affect Your Borrowing...

She"s On The Money ·

2025/09/25

We’ve all heard HECS is a deal-breaker for your borrowing capacity… but is it really the villain it's made out to be? We’ve got the tea on how much your HECS actually matters when you’re trying to get a loan... and let’s just say, the maths might surprise you. And because Fridays love a little family drama, we’re also talking about the stress of parents making very questionable financial moves. Do you bite your tongue, or pull out the calculator and stage an

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51:49

How to Cash in on Your Hobby (and Start a Business...

She"s On The Money ·

2025/09/23

Ever wondered if the hobby that you love could be the thing that pays your rent? That’s the story of Alice (Miss Trixie Drinks Tea) and Alisha (Sweet Bakes), two women who turned frosting and fun into booming businesses. And after fangirling over each other on socials and becoming baking besties IRL, they did what most of us only joke about... they started a business together. From side-hustle beginnings to sold-out retreats in France, brand collabs, and even launching their own pastel-pink

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10:13

Dear SOTM Community: You’re Not Behind (Even If It...

She"s On The Money ·

2025/09/21

Surprise! No Money Diary today... V has hijacked your Monday feed for something different. Think of this one as a little love note from her to you (with a side of tough-love pep talk).Because if you’ve ever scrolled past someone’s new house, new ring, new six-figure job and thought “cool, I’m officially behind on life”… this episode is basically your antidote. Victoria is here to rip up the money timeline, call BS on hustle culture, and admit that success might

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33:19

Is a Joint Investment Account a Good Idea? And...

She"s On The Money ·

2025/09/18

Ever wondered if sharing an investment account is romantic… or just risky business? This week we’re unpacking whether it’s the smartest way to build wealth together, or if there are easier (and safer) options. Then, we dive into a community DM that gets a lot heavier: when your partner’s choices put your financial security at risk, how do you protect yourself?Of course, it wouldn’t be Friday without the rest of the chaos; clever money wins, broke tips you’ll

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38:39

AMA: Jess & V Answer Your Biggest Money Questions

She"s On The Money ·

2025/09/16

We handed over control of the show to you this week and said: ask us ANYTHING. From how to finally get ahead on your goals, to spotting when you’re leaving free money on the table, to breaking the cycle of self-sabotage spending... nothing was off limits. If you’ve ever wished you could pick Jess and V’s brains over a coffee, this is that episode.In this ep:❓ The surprising career path that landed Jess where she is today❓ How to actually save for mat leave, with bonus tips for when

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58:04

My Investment Property Dream Became a Financial...

She"s On The Money ·

2025/09/14

We’ve all been told property is the “safe” investment. But this week’s Money Diarist learned the hard way that’s not always true. She thought she was making the smart move buying a second investment property. Instead, she ended up with a building so dodgy it dragged her through years of court battles, left her with no rental income, and forced her to sell the first house she loved just to stay afloat. Now she’s picking up the pieces, rebuilding from zero and now

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38:32

Should You Wait For The Property Market To Drop? And...

She"s On The Money ·

2025/09/11

Should you hold off on buying until the property market cools… or is waiting the real mistake? We’ve all heard the classic “just wait two years, prices will drop” advice, but what if that never actually happens and you’ve in a worse position? This week we’re unpacking the market peak panic and what it actually means for you if you’re trying to buy right now. Then, we dive into a community DM about a partner with $40k of debt and zero urgency to pay it down

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925 results

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