
She's On The Money
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 giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat—just way better for your bank balance.
It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.
Latest episodes

Jun 8, 2025 • 32min
It’s Never Too Late For a Financial Glow-Up
She thought she was good with money. Her salary was solid. Her bills were paid. She was even traveling. Life looked fine... until it wasn’t. This week’s Money Diary is all about the slow realisation that earning well doesn’t mean you’re building wealth. After a divorce, a court battle, and two lost properties, she hit financial rock bottom. But what really shook her? Watching a $20K bonus disappear, and not being able to say where it went. That was the moment everything changed. She started tracking every dollar and bought a place to call her own doing the work to build a future she's proud of. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Natarsha 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. See omnystudio.com/listener for privacy information.

Jun 5, 2025 • 50min
Should You Save or Invest Right Now? And a Spicy Inheritance Dilemma
This discussion dives into the crucial decision of whether to save or invest your hard-earned cash. Listeners are guided through personal dilemmas and practical strategies for aligning financial moves with life goals. The conversation takes a spicy turn with a relatable inheritance dilemma involving family dynamics and expectations. With humor and candid insights, the hosts tackle the emotional complexities of money, urging open communication about finances in families and the importance of financial independence.

Jun 3, 2025 • 37min
Can Refinancing Really Save You Thousands?
In this discussion, Jaclyn Walsh, a seasoned mortgage finance expert from Zella Money, reveals how your loyalty to banks might be costing you big bucks. She explains the refinancing process and spotlights when it’s the right time to act. Listeners learn why cashback deals can be misleading, the critical role a mortgage broker plays, and how to evaluate your loan options effectively. Jaclyn also breaks down common myths about refinancing, helping homeowners explore their financial potential without being tethered to bad rates.

Jun 1, 2025 • 43min
We Left Australia for a Startup Dream in San Fransico
Imagine leaving a secure job, moving countries while pregnant, and betting on a partner's startup dream. A bold family shares their journey from Australia to San Francisco, navigating high rents and American healthcare. They tackle the emotional and financial complexities of this life upheaval, juggling impending parenthood and new financial responsibilities. Listen as they reveal how risk can lead to unexpected rewards and the lessons learned along the way.

May 29, 2025 • 47min
The Financial Anxieties of Your Parents' Retirement & Winter Energy Bills
Have you ever wondered if your parents are set up for retirement? And what that might mean if they’re not? This week on Friday Drinks, we’re unpacking a dilemma that’s hitting way too many millennials right now... the quiet stress of realising your parents might not be financially ready for the future, and the pressure of what happens next. Plus, it’s starting to get colder, and that means heater wars, passive-aggressive group chats, and winter power bills that could wreck your budget faster than you can say “"put a jumper on". It’s a classic Friday Drinks: a little bit unhinged, a whole lot real, and full of the money convos no one else is having... but we definitely should be.Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Natarsha 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.See omnystudio.com/listener for privacy information.

May 27, 2025 • 57min
The Fast Track to Earning More: Use the Skills You Already Have to Pivot and Get Paid
You’ve skipped the oat lattes, cut back on everything that sparks joy, and you’re still not getting ahead. Maybe it’s not about spending less... it’s about earning more? This week, we’re talking about the power of a strategic pivot, because you might already have 87% of the skills you need to switch things up. Whether you're ready for a role that pays more or offers flexibility, we’re showing you how to back yourself before you tick every box. Victoria shares how to make a pivot without starting from scratch, how to turn side skills into job-ready assets, and why your cover letter might just be the strongest tool in your job hunt, if you actually use it properly. In This Episode:💼 Why earning more can be your most powerful money move💼 What a strategic pivot actually looks like💼 How to use skills you already have that could boost your income💼 How to make your resume results-driven and recruiter-proof💼 Why your cover letter is your ultimate power move DOWNLOAD: Your resume and cover letter guide here. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Natarsha 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. See omnystudio.com/listener for privacy information.

May 25, 2025 • 49min
This Is What They Don’t Tell You About Having a Financial Safety Net
A resilient journey unfolds as a woman navigates unexpected health challenges while managing a family and finances. She reflects on the realities of living with less and learning to rebuild without burnout. The episode offers candid insights into property ownership, coping with loss, and balancing dreams with financial stability. Amidst the hurdles, there are light-hearted tales of adventurous toddlers and practical advice on fostering a financial safety net. This relatable narrative resonates with anyone facing life's unpredictable turns.

May 22, 2025 • 34min
Would You Pour Your Savings Into a House That’s Not Yours? And Is Chasing Money Really Worth the Burnout?
What would you do if you had the chance to build your dream home, but your name wasn’t on the title? This week, we’re unpacking a dilemma that’s equal parts dream opportunity and legal nightmare. Plus, we hear from a listener who is pushing herself to the limit because the money is just that good. But what happens when the hustle leaves you physically unwell, emotionally drained, and one shift away from total burnout? It’s a classic Friday Drinks: a little bit unhinged, a whole lot real, and packed with the kind of fun that still makes you smarter with your money. Sort your insurances with Skye Wealth. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Natarsha 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.See omnystudio.com/listener for privacy information.

May 20, 2025 • 46min
Broken Brains: Nobody Prepares You for This Financial Emergency
Join best-selling author Jamila Rizvi and comedian Rosie Waterland as they candidly navigate the complexities of financial emergencies born from health crises. They share their personal battles with illness and trauma, revealing the hidden costs of being unwell and the stark reality of financial instability. The duo discusses the emotional toll these experiences take, the importance of community support, and even tackles the humorous side of their struggles. It's a heartfelt conversation filled with raw honesty and resilience.

May 18, 2025 • 31min
She Was Avoiding Her Bank App and Blowing Her Budget... Now She’s Saved $60K
Ever felt trapped by emotional spending while aiming for financial dreams? One individual shares her transformative journey from secret 500-dollar splurges to saving 60,000 dollars. With therapy and a smart savings plan, she tackled her budgeting challenges. The conversation dives into the realities of a 1.1 million dollar mortgage, balancing career ambitions with financial goals, and the fine line between wants and investments, like that designer handbag. Remember, change is always possible!