Victoria’s 2026 Investing Playbook If She Had to Start From Zero

Jan 6, 2026

Feeling stuck on investing? Dive into the conversation about how to build confidence and start small. Discover why investing is less about risk and more about strategy. Learn about affordable ways to enter the market and the importance of diversification. Victoria debunks common fears, emphasizing that consistent, tiny investments can lead to significant growth. Plus, find out why investing while managing a mortgage is smart. Get tips on overcoming analysis paralysis and the best first steps for a successful investment journey!

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ADVICE

Start Small And Automate

Do start investing even with tiny amounts because accessibility today lets you begin with as little as one cent.
Automate small regular contributions to build habit and momentum rather than waiting to have 'enough'.

INSIGHT

Investing Buys Future Freedom

Investing builds future cashflow while salary only funds the present, creating long-term freedom and choice.
Victoria frames investing as a tool for life choices, safety and reducing constant financial stress.

ADVICE

Use Beginner Playlists First

Do use curated beginner resources instead of drowning in content; follow beginner playlists and stepwise learning.
Narrow study to core topics so you learn enough to act rather than endlessly researching.

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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 breaks down exactly how she’d start investing in 2026 if she had to begin again with nothing.

Inside this ep:
📈Why waiting until you feel ready is the fastest way to never start
📈How starting small actually builds confidence quicker than going big
📈The difference between risk and panic (and why investing isn’t gambling)
📈What to focus on when you’re paralysed by too many options
📈How to invest without it becoming your entire personality
📈The important reason Victoria still prioritises investing over putting all her money into her mortgage

CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here.

INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.

SHARESIES CODE MENTIONED IN THE EP: Sign up for the investing platform Sharesies, use the code SOTM10 and deposit any amount and Sharesies will give you a bonus $10 to invest.

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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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