She's On The Money

At 27, this week’s Money Diarist has two STEM degrees, earns $140,000 a year, has $90,000 in super and owns a townhouse two kilometres from the beach. And no, there wasn’t a giant cheque from Mum and Dad hiding somewhere in the background. After becoming financially independent young and spending her uni years juggling study and work, she and her partner made buying a home one of their first big goals after graduating. They used the First Home Super Saver Scheme and First Home Guarantee to buy a $650,000 townhouse with a $40,000 deposit in 2024. Two years later, it’s estimated to be worth around $810,000, their mortgage is down to $575,000 and their extra repayments have already shaved four years off the life of their loan. We talk about exactly how she used the First Home Super Saver Scheme, why they still have a housemate despite earning good money, her $30,000 HECS debt, salary sacrificing into super and the very cute joint account that basically tells her and her partner when they’re overdue for a date night. Because earning more is great. But building systems that mean the money actually goes somewhere? Even better.
Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au)
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 - 4451289
See omnystudio.com/listener for privacy information.

New intro, who dis? This week’s Friday Drinks is hosted by Victoria Devine, your favourite linen lover Jessica Ricci, and budding ceramicist Bec Syed.

During this episode, the gang will be bringing you the very best Money Wins, Broke Tips and polarising opinions of the week. They will be having a heated chat about superior sundae toppings and whether choc mint is ever a welcomed flavour sensation.
They’ll also be covering your Money Dilemmas concerning debt, and a mysterious deposit of *checks notes* $10k. Very saucy indeed. And we’re not just talking about the hot fudge in your sundae. Tune in for compelling arguments for putting your Mint Slice in the fridge, and validation for folks with misophonia (specifically an aversion to chewing sounds) but for food wrappers. #strawberrysundaegate
PAY IT DOWN, BABY: Debt diminishing episodes delivered straight to your ears over here and at https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3
SHOW ME THE MONEY: No rly, show us your coin collection over at our Facebook Group (Search for: ShesontheMoneyAUS) 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+.
HOW TO MAKE YOUR RICHES, MAKE RICHES: A lot of what the rich do is stuff that’s actually learnable. We break it down for you over here on the blog. Search ‘richer’ at shesonthemoney.com/blog
New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you.
Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au)
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 - 4451289
See omnystudio.com/listener for privacy information.

Endo. Chronic injury. Mental illness diagnoses. Updates to genetic testing. Let’s talk about it.
This episode comes at a time where the NDIS is being wound back for approx. 241,000 Australians. So, what does this mean if you are experiencing chronic illness, permanent injury or disability? And what financial support is in place to help you sustain a decent quality of life when government services are being pared back?
During this Deep Dive, we’ve invited friend of the pod, Phil from Skye Wealth to chat about the impact of chronic illness on our personal insurances. From stigma and stereotyping to the upcoming industry shifts that are happening around mental illness, join Victoria and Phil for an illuminating ep on what your options are in the year of our lord 2026.
CHAT WITH SKYE: Thanks again to our partners over at Skye Wealth for making this episode possible. If you're ready to chat to a professional about your personal insurance, we have a long standing referral partnership with Skye Wealth. Book your consult at https://www.skye.com.au/shesonthemoney
INSURANCE 101: Still grade yourself at about a B+ when it comes to money? Upgrade your knowledge with this playlist on personal insurance at https://open.spotify.com/playlist/1kdVBELk5klU7yzzFblSqe?si=F7bBhVGpShSQmgWf8R4kEQ
LOVE NUMBERS? Here are some stats on the various kinds of claims being paid out across Australia from 2024. Visit insurancewatch.com.au/insurance-claims-statistics.html for more info.
New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you.
Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au)
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 - 4451289.
See omnystudio.com/listener for privacy information.

Sometimes the biggest financial setbacks have nothing to do with money. After migrating to Australia from Malaysia, she watched her family go from a comfortable life to starting over from scratch. Money wasn't something anyone talked about, especially the women in her family, so when she entered her first serious relationships, she had no idea what financial abuse or manipulation could look like.
By 28, she'd lost thousands, moved back in with her parents and felt like she was starting all over again.
But instead of staying there, she got curious.
She started learning about money, bought her first home on her own, built a share portfolio worth $70,000, grew her super to more than $280,000, and carved out a career as an emergency veterinarian earning up to $250,000 a year. Along the way, she also met a partner who supports her goals instead of holding her back.
We chat about financial abuse, rebuilding your confidence after unhealthy relationships, migrating to Australia, buying a home solo, planning for a family, and why sometimes the best investment you can make is believing you're capable of creating a different future.
If you've ever felt like you've fallen behind because of the wrong relationship, this one's for you.
Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au)
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 - 4451289

See omnystudio.com/listener for privacy information.

Hypothetically, if you were offered a role abroad that you couldn’t refuse, but you’d finally saved enough for a house deposit, would you stick around and try to enter the property market or further your place in the career department?
This week on Friday Drinks, Victoria, Bec and Jess cover all the important topics: career aspirations, home ownership and relationships.
We find out where the gang would travel to if they had $2k to drop on a holiday, plus Money Wins and Broke Tips from the community. Tune in if you’re looking for ways to find referral codes on your next purchase… or if you need a good brow gel replacement.
HOW TO BUDGET FOR YOUR DREAM TRAVELS: Tune into our playlist to help you plan for your dream trip at https://open.spotify.com/playlist/6xbOfw6jTVlqfoAzEzYv6v?si=xq-uwfsqQn2DnVrV0cAL1A
WANNA MAKE SOME EXTRA COIN? Did you know that you can earn $ by writing for Medium? Learn over here at medium.com/membership
HOW TO: TRAVEL ON A BUDGET: Here are our tips for travelling on a budget, now on the blog over here and if you search ‘travel’ at https://www.shesonthemoney.com/blog
New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you.
Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au)
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 - 4451289
See omnystudio.com/listener for privacy information.