How a Year Making SOTM Completely Transformed Our Producer Emma’s Finances

Dec 7, 2025

After a year immersed in financial literacy, Emma shares how her mindset has shifted dramatically. She reveals a strategic cashflow move by downsizing to accelerate her investments. Discover her financial plans to retire at 55, including high-growth super strategies that could unlock $50k returns. Emma emphasizes that starting investment in your 40s is still viable, bolstered by her newfound clarity. Delve into her journey of overcoming emotional hurdles and setting up a family trust, proving that wealth requires action, not just saving.

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ANECDOTE

Producer's Financial Wake-Up Call

Emma joined She's On The Money at 40 after being thrown headfirst into financial literacy and producing 200+ episodes.
The experience transformed her mindset and made investing and planning tangible rather than theoretical.

ANECDOTE

From Townhouse To Country And Back

Emma and her husband bought a townhouse, moved to the country, then rented the townhouse when returning to Melbourne due to work and family needs.
Renting in Melbourne rose from $700/week and pressured cashflow, influencing later decisions to move back into the smaller townhouse.

ADVICE

Press The Button On Super Changes

Switch your super fund investment option to match your risk profile instead of procrastinating on 'life admin'.
Emma moved from Balanced to High Growth and saw roughly $2,000 extra in nine months.

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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 expected. And the investing strategy she used to overthink becomes the thing that finally gives her financial clarity.

Inside this ep:
💰The cashflow move her family is making to unlock wealth sooner
💰How she's investing to retire at 55, and what she's prioritising in her portfolio to get there
💰The emotional hurdle she had to get over before she could start investing at all
💰A tick box she ignored for years, but now it's unlocked the potential for a $50k return
💰Why starting in your 40s is absolutely not too late (and the maths that proves it)
💰What she learned from listening to your money stories every single week

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Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.

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