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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

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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64:07

Victoria’s 2026 Investing Playbook If She Had to...

She"s On The Money ·

2026/01/06

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 different things. And for most of us, it’s not laziness or lack of ambition that keeps us stuck. It’s the quiet spiral of I don’t know enough yet... or I don’t have enough money... or what if I pick the wrong thing... and what if I mess it up. This episode takes all of that and changes it to confidence, because Victoria is

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49:11

From Financially Clueless to Confident With Money:...

She"s On The Money ·

2026/01/04

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 what she wanted to do. Enjoying life, making memories, prioritising experiences. And then came the realisation that while she didn’t regret any of it, she needed a different plan going forward. In this episode, she walks through the exact things that helped her go from avoiding her finances to feeling genuinely confident with them. The

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28:30

Summer Starter Series: Budgeting and Cash Flow

She"s On The Money ·

2026/01/02

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 listening for years and want a reset, this series is about getting you back to the basics that actually work. In this episode, we walk through how to actually see your money clearly for the first time. What’s coming in, where it’s going, and why it can feel like you’re doing all the right things but still not

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39:01

The Fresh Start Your Money Actually Needs in 2026 (No...

She"s On The Money ·

2026/01/01

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 of doing the usual wins and broke tips, we asked the community two big questions. What was your biggest money learning last year? And what small change did you make that had the biggest impact on your finances? The answers are the perfect inspo you need if you’re feeling like you want to do better this year but don’t want to overhaul

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28:11

Even More Unhinged Savings Hacks

She"s On The Money ·

2025/12/30

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, like freezing your credit card in a bowl of water and letting time do the work. And because our first Unhinged Hacks episode became one of the most replayed of the year, Bec took that as a sign, went rogue, booked the studio, brought Jess along, and recorded round two with absolutely no supervision.TThis episode sounds ridiculous on purpose. But

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11:27

A Love Letter to Everyone Who Survived 2025

She"s On The Money ·

2025/12/28

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 land the way you thought they would back in January, you’re not alone. A lot of us get to this point feeling tired, reflective, and a little unsure how to sum it all up.This episode is a chance to look at the year differently. Not through the lens of what you achieved or didn’t, but through the stuff you carried, adapted to, and figured

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46:33

THE SOTM EOY PARTY… Plus Should You Get a Credit Card...

She"s On The Money ·

2025/12/25

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 community wins that honestly deserve more airtime... and of course your favourite blooper reel. Plus we get into which is cheaper, building vs buying a home. Building can look cheaper, especially online, but the reality is a lot messier. We talk about where the costs sneak in, why timelines matter, and why this decision feels very different depending on where

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42:23

Our 5 Christmas Wishes For You (That’ll Make You...

She"s On The Money ·

2025/12/23

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 than any goal you set in January. So instead of rules or end-of-year pressure, Victoria and Bec share the five things they genuinely wish every person in this community would focus on before heading into 2026. These are the five big things that actually shape how money feels day to day, how confident you are making decisions, and how much energy you

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29:22

He Convinced Her To Buy Property With Her...

She"s On The Money ·

2025/12/21

This is one of those Money Diaries that starts with a decision that feels sensible at the time… and slowly reveals just how much weight it carries. When her partner suggested using her inheritance to buy property together, it felt like the right next step. The grown up one. The kind you make when you’re building a future with someone.Then the relationship ended, and that decision didn’t disappear with it.In this episode, she walks us through what happens next. The parts of

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31:20

How to Navigate Different Family Money Values this...

She"s On The Money ·

2025/12/18

Ever stared at the bill split amount and thought… sorry, why am I paying for food I did not eat? We’re unpacking a takeaway dilemma where one person orders like it’s their last supper and everyone else is expected to split it evenly. What do you actually do in that moment? Do you say something, suck it up, or quietly build resentment? We talk through the options, the social risk, and how to handle it differently next time without blowing up the friendship.Then things get

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44:53

You Can Invest in Property With $5. Yes, Really. (A...

She"s On The Money ·

2025/12/16

If you’ve ever looked at property prices and thought, cool, guess I’ll just rent forever then, this episode is for you. Because while the white picket fence dream might feels further away than ever, that doesn’t mean property investing is completely off the table. This ep is your DIY guide to becoming a trust fund baby... a real estate investment trust fund baby. Victoria is breaks down the other way to get property exposure without a mortgage, stamp duty, or a single call about a

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38:34

From $60k in Debt and Lying About Being Unemployed to...

She"s On The Money ·

2025/12/14

Even some of the most successful people you know started at rock bottom like $60k in debt, no job, and pretending everything is totally fine. That was Jane Lu’s life… right before she built Showpo. And today, Jane is speaking candidly about it all.The pressure to pick the “good girl” career, the fear of disappointing her parents, the panic of feeling behind while everyone else looks like they’re sprinting ahead and the moment you realise you’ve built a life

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31:08

You’re Doing Everything Right, So Why Do You Still...

She"s On The Money ·

2025/12/11

Some weeks it feels like you’re doing everything right with money… and still getting nowhere. If that’s been your energy lately, you’re not alone. This week we’re unpacking why that happens, what it means when your effort isn’t matching the outcome, and the practical ways to reset without throwing your whole plan in the bin. We also heard from someone in our community who’s feeling the annual Christmas tug-of-war: wanting to keep things simple and

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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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