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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

32:16

High Pay vs Flexibility: What’s the Best Career Choice?

She"s On The Money ·

2026/03/05

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 the very real career trade-offs a lot of us are still navigating *and this episode comes with a content warning below*.So if one job offers a higher salary and paid parental leave… but almost zero flexibility. The other pays less, but gives you more freedom. With kids potentially on the horizon, which one actually sets you up better long

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37:34

Equity Explained: Is It Really the Shortcut to...

She"s On The Money ·

2026/03/03

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 properly, Victoria sits down with Mortgage Broking queen Jaclyn Walsh to breaking down equity properly. We're talking what it is, how much you can really get, why the bank doesn’t see it the way you do, and when using it can genuinely accelerate your wealth. Because yes, equity can be powerful... but it can also lock you

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44:23

She Bought Her First Home With a 2% Deposit on an...

She"s On The Money ·

2026/03/01

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 Diary is here to show you it’s possible without any of that.This time last year our diarist was in a share house that wasn’t great for her mental health, assuming she’d be renting forever. The decision to move back with her parents at 30 didn’t feel like a strategy, it felt like she was

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27:32

Why Owning Property Isn’t Always the Safety Net You...

She"s On The Money ·

2026/02/26

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)? Today we’re getting into the accidental landlord era. AKA what happens when your old home becomes an investment property, but you actually hate being a landlord? We’re talking profit maths, property managers, emergency funds, what “safety net” really means, and the truth about whether you could even move back in if

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49:57

The Questions Everyone Has About Investing in the...

She"s On The Money ·

2026/02/24

You’ve got investing questions… because wanting to build wealth and still being confused is completely normal. And instead of pretending we all have it figured out, we handed the show over to you, and let you pick Victoria’s brain on everything you’ve been wondering about shares. Does $10 a week actually matter? Is two ETFs enough? And how do you know if your strategy is completely off? We’re answering these and more, because if you’ve had a question, chances are

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36:43

Investing Diaries: How She Turned Early Investing...

She"s On The Money ·

2026/02/22

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 Dad and then it… didn’t perform. Instead of spiralling, she levelled up. She stopped chasing individual shares and started understanding what she was actually buying. She started automating her investing so emotions weren’t running the show (and she wasn't checking her app every 5 minutes). Now at 32, she has around

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39:15

Does Your HECS debt Really Matter? How to Set Money...

She"s On The Money ·

2026/02/19

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 HECS regret spiral. We chat through what banks actually care about (and what they don’t), whether HECS is really the villain in your home ownership story, and when paying extra off it is a smart move versus just an anxiety-driven one. Then we slide into a workplace dilemma that starts off generous and slowly gets… uncomfortable. It opens

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50:27

Nailing Your Finances in Your Single Era (and Beyond)

She"s On The Money ·

2026/02/17

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 are somehow expected to hold it all together. So this ep is all about ditching the idea that life (and finances) only get easier once you’re partnered, and giving you the tools to build something solid, confident, and completely your own so you thrive in your single era and beyond. Inside this ep:💅Why a man is not a

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31:30

The Move That Made Homeownership Possible

She"s On The Money ·

2026/02/15

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 the bank after the honeymoon, watching Sydney property prices climb while they were still trying to get ahead. So instead of accepting their fate as “forever renters,” they made a decision most people talk about, but don’t actually follow through on... they packed up and moved to a regional town. It meant leaving behind friends and

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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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