She's On The Money
Victoria Devine
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.
It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.
Episodes
Mentioned books
Dec 9, 2025 • 48min
Bougie on a Budget: 17 Hacks to Slash Your Christmas Food Bill with Chelsea Goodwin (Plus Her Menu For Under $100 You Can Steal)
Chelsea Goodwin, a budget-cooking expert and author, shares her secrets for an impressive holiday feast without breaking the bank. She reveals 17 clever hacks to cut costs, from choosing affordable yet fancy meats to elevating simple sides that impress. Chelsea also provides a full Christmas menu for under $100, featuring a roast chicken centerpiece and stunning desserts. Plus, she discusses thrifty gift-giving and the importance of planning to avoid waste, ensuring your festive celebrations stay both delicious and budget-friendly.
Dec 7, 2025 • 1h 9min
How a Year Making SOTM Completely Transformed Our Producer Emma’s Finances
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.
Dec 4, 2025 • 36min
Should You Push Through Burnout for Your Financial Goals? And How To Quit Without Burning Bridges
Struggling with burnout while chasing financial goals? The hosts explore the clash between ambition and wellbeing, helping listeners identify when to push through and when to rest. They dive into navigating job exits gracefully, keeping your dignity intact, and securing good references. Plus, hear community wins and thrifty tips that inspire smarter money management. Tune in for insightful advice on prioritizing mental health and handling career dilemmas tactfully!
Dec 2, 2025 • 38min
7 Sneaky Christmas Traps That Make You Blow Your Budget (and How to Beat Them)
December brings festive fun but often leads to budget chaos. Explore how social media triggers FOMO and influences spending habits. Learn about the 'Vibe Tax' and how retailers use ambiance to encourage you to spend more. Discover the emotional traps of generosity and why people overspend to impress. Gain insights on making intentional purchases with practical gift ideas and avoiding last-minute panic buys. This is your guide to navigating holiday spending without regret!
Nov 30, 2025 • 35min
Wait till You Hear What this 25 Year Old Has Built on a Macca’s Paycheck
The guest is a young pharmacist and Money Diarist who achieved a remarkable $1.5 million property portfolio by 25. She started her career at 14, earning $8 an hour at McDonald's, and saved diligently to buy her first townhouse at 19. The conversation delves into her disciplined saving habits, prioritizing long-term goals over instant gratification, and leveraging home equity for further investments. She shares the importance of budgeting and the benefits of starting small, while also exploring future investments, including possibly owning a pharmacy.
Nov 28, 2025 • 48min
Financial Confidence for Our First Nations Community with Leah Bennett
Leah Bennett, a Proud Wiradjuri woman and expert in financial services, leads the First Nations Foundation, focusing on culturally informed financial literacy. In this discussion, she explores how historical context and institutional mistrust impact financial confidence for First Nations communities. Leah shares valuable insights on budgeting, setting boundaries with kinship obligations, and navigating the complexities of superannuation. She emphasizes the importance of tailored financial education and access to culturally safe support for empowering communities.
Nov 27, 2025 • 42min
Is Crypto a Goldmine or a Gamble? And The Smartest Way to Use Your Spare Cash
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!
Nov 25, 2025 • 53min
Emma Edwards Stopped Shopping for 365 Days and Accidentally Fixed Her Finances (Plus Her Relationship With Money and Herself)
Emma Edwards, founder of The Broke Generation, shares her transformative year-long no-shopping challenge that reshaped her financial habits and body image. She candidly discusses the emotional triggers of impulse spending and the influence of her 'fantasy self' on purchases. Emma reveals how the challenge reignited her creativity and sewing skills, allowing her to appreciate her wardrobe in new ways. With insights on mindful shopping and personal style, she offers listeners practical tips for their own no-buy journeys.
Nov 23, 2025 • 44min
Investing Diaries: She Didn’t Invest for Two Years… and Her Portfolio Grew $20K Anyway
In this enlightening discussion, an anonymous Investing Diarist shares her transformational journey from skepticism to success in the investing world. Once believing it was a male-dominated sphere, she discovered finance content during lockdown that changed her perspective. Despite taking a two-year break from investing, her portfolio surprisingly grew by $20,000! She delves into her gradual shift from micro-investing to a diversified approach, highlights key investments like Wesfarmers, and emphasizes that anyone can succeed in investing with the right mindset.
Nov 20, 2025 • 39min
DIY Investing vs Managed Portfolios: Which One Should You Choose? And How to Avoid a Black Friday Budget Blowout
Dive into the world of managed portfolios and discover what they really are, plus how they differ from DIY investing. The hosts tackle the chaotic challenge of navigating Black Friday sales, discussing intentional spending and budget-setting amidst the marketing frenzy. They also share community money wins, clever shopping hacks, and practical tips to maintain spending boundaries. Expect laughs, lessons, and insightful money dilemmas throughout!
