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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

36:55

Are Bonds or ETFs the Better Investment Option? What...

She"s On The Money ·

2026/02/12

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 bonds and ETFs head to head. What they are, how they behave, and why it’s less about choosing a winner and what it's more about instead. The we help out a community member who's tax accountant is giving red flag behaviour. So we're chatting what’s normal, what’s absolutely not, and how to protect yourself if something

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48:35

Debt Recycling 101: What It Actually Is and Whether...

She"s On The Money ·

2026/02/10

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 really that simple? So, in this episode, we’re looking beyond the hype to explain what debt recycling actually is, how it works in the real world, when it can work well and why it’s not a shortcut or a strategy that suits everyone. In this ep: 💰Why debt recycling looks like a no brainer on TikTok💰What it actually means for your mortgage

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39:51

How This 24 Year Old Without a Degree Earns $180k a...

She"s On The Money ·

2026/02/08

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 gets pervy about how she actually got there. The career moves that paid off. The money habits that stuck. And what earning big this young really feels like when the stakes are high.We also unpack the full story behind the two properties she owns, including the one she bought with a friend. Spoiler. It did not end well. This episode goes

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36:39

Is a Guarantor on a Property Loan a Smart Move? Plus,...

She"s On The Money ·

2026/02/05

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 into one of those emotionally loaded money decisions: whether to let your parents go guarantor so you can get into the property market sooner, when you’re already worried about boundaries and control. We unpack what a guarantor loan really means (and what it doesn’t), why the 20% deposit rule isn’t as rigid as people

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28:44

The Small Habits That Quietly Made Us Richer

She"s On The Money ·

2026/02/03

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. So this episode is all about the small, low-effort money habits that have made our community richer. We talk about the tiny switches that stop impulse spending, the boring admin that pays you back, and the systems that run in the background so you don’t have to. If you like the idea of “lazy girl finance” but still want real

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40:42

The $75k Property Nightmare We Didn’t See Coming

She"s On The Money ·

2026/02/01

This week’s Money Diary is a property rollercoaster. One that starts off feeling sensible… and then does a three loop-de-loops. Our diarist bought, renovated, sold, and started building again while raising a family and spending long stretches on one income. Then a builder collapse meant she had to find $75k more to cover costs.She shares how she kept things steady when cash flow was tight, the calls she made to protect her family, and the point where she realised property didn’t

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41:14

Summer Starter Series: Get Your Superannuation Sorted

She"s On The Money ·

2026/01/30

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. Super is usualy one of the last things we think of when it comes to our finances. It’s boring, it’s confusing, and it feels like a future problem. But quietly? It’s one of the easiest places to make real impact without changing a single thing about your day to day life. This is the last episode of our Summer Starter Series

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38:11

What Will Make You Richer: Money in Your Offset...

She"s On The Money ·

2026/01/29

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 one of the most divisive money questions we get, and Victoria gets very honest about how she approaches it in her own life. She walks through what she prioritises when building wealth, the maths she actually uses to make sure every dollar is working it's hardest for her, and why the answer that feels obvious, isn’t always the one that makes

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55:57

How to Invest in the Share Market for Kids (Without...

She"s On The Money ·

2026/01/27

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 whole thing into a mental no go zone. So how do you set your kids up financially without accidentally handing a chunk of it to the ATO, overcomplicating your life, or creating a problem you’ll have to untangle later? This episode is all about how to invest in the share market for your kids in a way that actually makes sense. We talk

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57:48

Not a Date to Celebrate with Clothing the Gaps

She"s On The Money ·

2026/01/25

January 26 isn’t just another public holiday. For many First Nations Australians, it marks the beginning of invasion and the impacts of colonisation that are still felt today. That’s why we're interupting your normal Money Diaries programming to bring you this conversation, with very special guests Laura Thompson and Sarah Sheridan. Laura and Sarah are the co-founders of Clothing The Gaps, the Aboriginal led and controlled, and majority Aboriginal ownedbusiness andsocial enterprise

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56:31

Summer Starter Series: Protecting Yourself With...

She"s On The Money ·

2026/01/23

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 episode in our Summer Starter Series, the conversation tackles the foundation most people skip, even though it’s just as important as budgeting, saving, or managing debt. Because every money plan relies on one thing first. Your ability to earn money.In this episode, Victoria breaks down why protecting your income is non-negotiable if you actually

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34:05

Are Your Parents Risking Their Retirement? And a...

She"s On The Money ·

2026/01/22

Do you ever worry your parents are making bad money decisions… or heading toward retirement totally unprepared? This week’s Friday Drinks starts with the situation where you love your parents, they’re adults, and you’re still lying awake wondering whether someone is taking them for a ride. We talk about how to raise money concerns without lecturing or burying your head in the sand. And how to live with the reality that sometimes, even when you say everything right, the

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57:06

What a Family Lawyer Wishes Every Woman Knew About...

She"s On The Money ·

2026/01/20

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 something that happens to other people. Sorry to burst that love bubble, but today is here to show you this mindset can cost you everything… and how to protect yourself (while still building a life together). To do that, we’re joined by special guest Claire Walczak, a family law expert who sees the reality of this every day. She walks us

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49:15

The $60k Debt Wake-Up Call That Changed Everything

She"s On The Money ·

2026/01/18

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 herself when she realised she was about $60,000 deep. There was a car. A wedding. Setting up a home. All the things that feel like you’re just meant to do as you build a life.Until one day she zoomed out and realised a life in debt wasn’t what she wanted for her family.Once she started learning how money actually works,

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39:46

Summer Starter Series: Making Saving Easier

She"s On The Money ·

2026/01/16

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 saving feels harder than it should, even when you understand the basics, and what actually needs to change for it to start working in real life. Victoria is joined by behavioural scientist Dr Lily Susman to explain how money habits form, why being tough on yourself often backfires, and how to build saving behaviours that align with your values and

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31:48

Is a Bridging Loan Worth the Risk? And The Dating...

She"s On The Money ·

2026/01/15

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 Friday Drinks tackles a DM from someone newly back in the dating world who’s trying to work out whether she’s being too picky, or whether she’s just finally noticing the stuff she used to brush past, like the keeping score, the silence that feels like a test, and the little gold digger jokes that aren’t really jokes. We talk

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38:52

How to Buy Property in 2026: Everything You Need to...

She"s On The Money ·

2026/01/13

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 has changed, and suddenly everyone is talking about 5% deposits like they’re either your golden ticket or the end of the world. Lucky for us, mortgage queen Jaclyn Walsh is here to break down what’s actually going on in the property market heading into 2026. We unpack the headline changes everyone’s yelling about, what they mean

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40:20

Bec's Investing Confessions: Her First Year in the...

She"s On The Money ·

2026/01/11

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 life… this episode is about to ruin all of those excuses in the best way. Today, the one and only Bec Syed has volunteered to jump into the Investing Diaries seat so we can get pervy on her first year as an investor (and yes, it’s exactly as Bec-coded as you’d expect). She walks us through how she went from not really

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41:58

Summer Starter Series: Managing Debt

She"s On The Money ·

2026/01/09

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 the next step in our Summer Starter Series, where we’re going back to the foundations that help you get on top of your money, in a way that actually feels manageable. In episode one we got ontop of our 4 most important numbers to know... what you earn, spend, own and owe, and today we're making a plan for that last one. We talk

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44:16

How Do You Know When It’s Time to See a Financial...

She"s On The Money ·

2026/01/08

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 that stage so many of us sit in. You want to do the right thing with your money, but you’re not sure whether a financial advisor makes sense for your current situation. We talk through when financial advice can really help, when it’s probably not necessary, and the other ways you can get clarity without spending a

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