How Do You Know When It’s Time to See a Financial Advisor? And the Vet Bill Situation That's a Moral Minefield

Jan 8, 2026

Ever wondered when it's the right time to consult a financial advisor? The hosts break down when to invest in financial advice versus utilizing budget-friendly alternatives. Then, they tackle a listener’s dilemma about an injured dog left with delayed vet care, sparking a deep moral conversation about responsibility and the limits of intervention. The discussion offers practical advice on navigating concerns for pets and touches on community insights and emotional challenges, reminding listeners they're not alone in complex situations.

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ADVICE

See An Advisor For Complex Goals, Not Basics

Don't wait for a magic balance; see an advisor when you have a clear, complex goal you can't confidently implement yourself.
If you only need simple guidance, use lower-cost tools or learnable steps first.

ADVICE

When To Hold Off On Full Financial Advice

Avoid paying $5k–$7k for holistic advice unless you truly need specialist help you cannot do yourself.
Use cheaper options first: budget templates, courses, insurance-only advisors, or free resources.

INSIGHT

High Cost Of Holistic Advice Cuts Reach

Holistic financial advice can create huge long-term gains but costs enough to deplete useful savings.
Sometimes DIY financial education yields larger social impact than working as a paid adviser.

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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 small fortune. Then things turn into a moral mine field... What do you do when you’re watching a situation unfold that doesn’t sit right with you, and you don’t actually have the authority to fix it? This week we dive into a DM from someone who’s deeply worried about a dog that’s been injured, emergency care paid for, but follow-up vet visits that keep getting pushed back. It opens up a really uncomfortable conversation about caring more than the person responsible, where the line is between helping and overstepping, and how hard it is to sit with concern when the final decision isn’t yours. Plus, as always, we’ve got community money wins, broke tips that are actually useful, and the kind of Friday chat that reminds you you’re not alone in any of this.

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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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