She's On The Money Is Crypto a Goldmine or a Gamble? And The Smartest Way to Use Your Spare Cash
Nov 27, 2025
Delve into the world of crypto as the hosts dissect its allure and the thin line between investing and gambling. They tackle a listener's dilemma on what to do with extra cash after paying off a loan, offering a framework for saving versus investing based on personal goals. Learn about the persuasive power of crypto influencers and why caution is key in this volatile market. Plus, enjoy a roundup of community money wins, budget-friendly hacks, and plenty of laughs along the way!
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Prioritise By Timeline Before Splitting Cash
- Zoom out and list your priorities and timelines before deciding to save or invest.
- Use that clarity to split new spare cash toward each goal in proportions that match urgency and timelines.
Put House Deposit Money In High-Interest Savings
- Put the bulk of newly freed cash into a high-interest savings account if a house deposit is the main goal.
- Direct a smaller portion to investments so long-term growth doesn't drop off your radar.
Match Investment Type To Time Horizon
- Investing suits goals with time horizons of ten years or more due to market variability.
- Short-term goals like a near-term house deposit or IVF shouldn’t rely on volatile investments.
