She's On The Money
Episodes
The Small Habits That Quietly Made Us Richer
03 Feb 2026
Contributed by Lukas
The biggest money glow-ups rarely come from one big decision. They come from the small changes you stack without realising how much they’re addi...
The $75k Property Nightmare We Didn’t See Coming
01 Feb 2026
Contributed by Lukas
This week’s Money Diary is a property rollercoaster. One that starts off feeling sensible… and then does a three loop-de-loops. Our diari...
Summer Starter Series: Get Your Superannuation Sorted
30 Jan 2026
Contributed by Lukas
You don’t need spare cash to make your future better. You just need to make sure the future fund you already have is working as hard as it can f...
What Will Make You Richer: Money in Your Offset Account or the Sharemarket? Plus, How To Handle Family Estate Disputes
29 Jan 2026
Contributed by Lukas
Which one makes more money sense? Smashing down your mortgage faster, or putting that money to work in shares? This week’s Friday Drinks opens w...
How to Invest in the Share Market for Kids (Without Losing It All to Tax)
27 Jan 2026
Contributed by Lukas
Everyone wants to give their kids the best start in life, and investing for them feels like the obvious answer… right up until the tax rules tu...
Not a Date to Celebrate with Clothing the Gaps
25 Jan 2026
Contributed by Lukas
January 26 isn’t just another public holiday. For many First Nations Australians, it marks the beginning of invasion and the impacts of colonisa...
Summer Starter Series: Protecting Yourself With Personal Insurance
23 Jan 2026
Contributed by Lukas
What would you do if you woke up tomorrow and couldn’t earn an income anymore? How long would it be before your safety net ran out? In the ...
Are Your Parents Risking Their Retirement? And a Spicy Wedding Bill Drama
22 Jan 2026
Contributed by Lukas
Do you ever worry your parents are making bad money decisions… or heading toward retirement totally unprepared? This week’s Friday Drinks...
What a Family Lawyer Wishes Every Woman Knew About Money and Relationships
20 Jan 2026
Contributed by Lukas
This is the episode every woman needs to hear. Because most of us think money in relationships will just sort itself out, or that breaking up is somet...
The $60k Debt Wake-Up Call That Changed Everything
18 Jan 2026
Contributed by Lukas
If you’ve ever looked at your debt and thought how did I even get here, this one’s for you. Because that’s exactly where our Money D...
Summer Starter Series: Making Saving Easier
16 Jan 2026
Contributed by Lukas
Saving money is one of those things we’re told should be simple, but somehow rarely feels that way. In this Summer Starter episode, we unpack wh...
Is a Bridging Loan Worth the Risk? And The Dating Money Red Flags We Can’t Ignore
15 Jan 2026
Contributed by Lukas
So who should actually pay on a date, and what are you meant to do when the bill arrives and someone suddenly gets a bit weird about it. This wee...
How to Buy Property in 2026: Everthing You Need to Know Before Getting a Mortgage
13 Jan 2026
Contributed by Lukas
If buying a home feels harder (and way more confusing) than it did a year ago, no, you’re not imagining it. The rules have changed, the competit...
Bec's Investing Confessions: Her First Year in the Share Market
11 Jan 2026
Contributed by Lukas
If you’ve ever told yourself investing is something you’ll get to later, when you have more money, more brain space, or a slightly more pu...
Summer Starter Series: Managing Debt
09 Jan 2026
Contributed by Lukas
If you’ve ever looked at your debts and thought… I know I need to deal with this, I just don’t know where to start, this episode is...
How Do You Know When It’s Time to See a Financial Advisor? And the Vet Bill Situation That's a Moral Minefield
08 Jan 2026
Contributed by Lukas
If you’ve ever thought you should see a financial advisor, but also wondered if it's a now or later thing… this one’s for you. We&r...
Victoria’s 2026 Investing Playbook If She Had to Start From Zero
06 Jan 2026
Contributed by Lukas
If you’ve been saying “I really should start investing" this episode is for you. Because wanting to invest and actually investing are two ...
From Financially Clueless to Confident With Money: How She Turned It All Around
04 Jan 2026
Contributed by Lukas
This Money Diary starts at the exact moment you realise… okay, I can’t keep doing money like this. Our diarist had spent a few years...
Summer Starter Series: Budgeting and Cash Flow
02 Jan 2026
Contributed by Lukas
This summer, we’re dropping a bonus foundations series for anyone who’s ready to feel more in control. Whether you’re brand new here...
The Fresh Start Your Money Actually Needs in 2026 (No Matter Where You’re Starting From)
01 Jan 2026
Contributed by Lukas
Want 2026 to be the year you get your money on track? This ep is the perfect place to start. It’s our very first Friday Drinks of the year and i...
Even More Unhinged Savings Hacks
30 Dec 2025
Contributed by Lukas
Sometimes a spreadsheet isn’t going to cut it. Sometimes the only thing standing between you and an impulse purchase is a genuinely unhinged obs...
A Love Letter to Everyone Who Survived 2025
28 Dec 2025
Contributed by Lukas
If December has you replaying the year in your head, thinking about the money choices you made, the goals that shifted, or why things didn’t qui...
THE SOTM EOY PARTY… Plus Should You Get a Credit Card & Is Building a Home Really Cheaper Than Buying?
25 Dec 2025
Contributed by Lukas
It's our biggest Friday Drinks of the year so we're throwing a party aka our year in review. The stats, the moments that surprised us, and the communi...
Our 5 Christmas Wishes For You (That’ll Make You Richer, Calmer & More Confident in 2026)
23 Dec 2025
Contributed by Lukas
This is the one conversation you need to hear before the year ends, because the way you think about money right now will shape how 2026 feels far more...
He Convinced Her To Buy Property With Her Inheritance… Then Tried to Take It in the Breakup
21 Dec 2025
Contributed by Lukas
This is one of those Money Diaries that starts with a decision that feels sensible at the time… and slowly reveals just how much weight it carr...
How to Navigate Different Family Money Values this Christmas... and a Very Relatable Bill-Splitting Drama
18 Dec 2025
Contributed by Lukas
Ever stared at the bill split amount and thought… sorry, why am I paying for food I did not eat? We’re unpacking a takeaway dilemma where...
You Can Invest in Property With $5. Yes, Really. (A Beginner’s Guide to REITs)
16 Dec 2025
Contributed by Lukas
If you’ve ever looked at property prices and thought, cool, guess I’ll just rent forever then, this episode is for you. Because while the ...
From $60k in Debt and Lying About Being Unemployed to Becoming the Lazy CEO Behind Showpo’s $100 Million Empire
14 Dec 2025
Contributed by Lukas
Even some of the most successful people you know started at rock bottom like $60k in debt, no job, and pretending everything is totally fine. That was...
You’re Doing Everything Right, So Why Do You Still Feel Behind? And The Pressure to Make Christmas Perfect
11 Dec 2025
Contributed by Lukas
Some weeks it feels like you’re doing everything right with money… and still getting nowhere. If that’s been your energy lately, yo...
Bougie on a Budget: 17 Hacks to Slash Your Christmas Food Bill with Chelsea Goodwin (Plus Her Menu For Under $100 You Can Steal)
09 Dec 2025
Contributed by Lukas
If you want to wow your family with a fancy-looking Christmas feast while secretly spending way less, you need this episode. We called in our favourit...
How a Year Making SOTM Completely Transformed Our Producer Emma’s Finances
07 Dec 2025
Contributed by Lukas
A year after being thrown head first into financial litteracy and producing over 200 episodes of She’s On The Money, our behind the scenes...
Should You Push Through Burnout for Your Financial Goals? And How To Quit Without Burning Bridges
04 Dec 2025
Contributed by Lukas
You’re trying to save, plan, be responsible, do the grown-up things, but underneath it you’re tired in a way that a weekend off doesn&rsqu...
031225 Deep Dive xmas overspending
02 Dec 2025
Contributed by Lukas
Every December starts with good intentions and ends with the same sentence: how did I spend that much? Because Christmas has a way of turning even the...
Wait till You Hear What this 25 Year Old Has Built on a Macca’s Paycheck
30 Nov 2025
Contributed by Lukas
If you’ve ever looked at your payslip and thought “there’s no way I can build anything on this,” this diary is the proof you n...
Financial Confidence for Our First Nations Community with Leah Bennett
28 Nov 2025
Contributed by Lukas
This special episode was created for our First Nations community members. Victoria invited Leah Bennett from the First Nations Foundation on the show ...
Is Crypto a Goldmine or a Gamble? And The Smartest Way to Use Your Spare Cash
27 Nov 2025
Contributed by Lukas
Ever seen a crypto bro promising this coin is going to be the next big thing and thought… okay but what if? Well this week we got a DM fro...
Emma Edwards Stopped Shopping for 365 Days and Accidentally Fixed Her Finances (Plus Her Relationship With Money and Herself)
25 Nov 2025
Contributed by Lukas
You know when you’re standing in front of your overflowing wardrobe, absolutely drowning in clothes, and still somehow convincing yourself you h...
Investing Diaries: She Didn’t Invest for Two Years… and Her Portfolio Grew $20K Anyway
23 Nov 2025
Contributed by Lukas
Our very first Investing Diary has landed, and she is the perfect reminder that investing is absolutely for women like us. Before she ever opened an a...
DIY Investing vs Managed Portfolios: Which One Should You Choose? And How to Avoid a Black Friday Budget Blowout
20 Nov 2025
Contributed by Lukas
If you’ve ever heard “managed portfolio” and thought… okay but what actually are they, this one’s for you. We brea...
Your Superannuation Glow-Up Part 2: The Small Add-Ons That Could Make You a Millionaire
18 Nov 2025
Contributed by Lukas
We all want a bigger super balance… but how do you actually make that happen in real life? Part 1 in our Super Glow-Up series got your foundati...
Money Diaries Update: What Really Happens in a Divorce Settlement (And Where She Ended Up)
16 Nov 2025
Contributed by Lukas
This is the update you’ve all been waiting for… and a year later, she’s back to tell us what really went down. Last time we spoke, ...
Borrowing to Invest: Brilliant Move or Big Mistake? And How To Survive Christmas Gifting Season (Without Going Broke)
13 Nov 2025
Contributed by Lukas
You’re ready to start investing… and then someone suggests borrowing money to make your portfolio grow faster. It sounds genius in theory...
Victoria & Brooke Reveal the Really Simple Framework Behind Their Investment Portfolios
11 Nov 2025
Contributed by Lukas
Want the inside scoop on the seriously simple strategy behind Victoria and Brooke's investment portfolios? This ep is all about the framework they bot...
She Cried Over a Holiday She Couldn’t Afford… Now She’s on Track to Retire by 40
09 Nov 2025
Contributed by Lukas
Have you ever wanted to see what would happen if you actually sat down and did that budget?This week’s Money Diarist actually did it and everyth...
Should You Salary Sacrifice Into Super Or Save For a House? Plus a Spicy Sibling Debate About Financial Fairness
06 Nov 2025
Contributed by Lukas
\What’s actually better for future you... adding more to your super, or growing that house deposit? This week we’re unpacking one of the b...
How Sammy Robinson Built the Cult Brand One Mile (With Her Own Savings)
04 Nov 2025
Contributed by Lukas
You know that dream of starting something on your own... but the money part feels impossible? Sammy Robinson did it anyway. At 22, she took the saving...
She Maxed Out Her $10K Credit Card Partying... Now She Owns Two Properties
02 Nov 2025
Contributed by Lukas
You know that feeling when you start earning your own money and suddenly everything feels possible... the festivals, the flights, the “let&rsquo...
Should You Invest While You're Still In Debt? And an Early Inheritance Dilemma
30 Oct 2025
Contributed by Lukas
You’re smashing your financial goals, debt’s going down, confidence’s going up, and then that little voice pipes up: “Should I...
How To Buy Property Without The Bank of Mum and Dad (or a 20% Deposit)
28 Oct 2025
Contributed by Lukas
If you’ve ever looked at house prices and thought, “I guess I’ll just marry rich or manifest an inheritance” this ep is for yo...
She Left Her Husband With $12K and Two Suitcases... Now She’s Worth Six Figures
26 Oct 2025
Contributed by Lukas
They say you end up with someone like your dad... and for this week’s diarist, that was the problem. Her dad was reckless with money, and years ...
Should You Quit A Toxic Job Without a Backup Plan? And What To Do If You Can’t Get Insurance
23 Oct 2025
Contributed by Lukas
Ever had a job so toxic it makes your morning coffee taste like dread? This week, a community member wrote in ready to walk... 60-hour weeks, ze...
We Accidentally Found the Travel Hack That Saves You Serious Cash
21 Oct 2025
Contributed by Lukas
You scrimp, save, and finally book your dream trip… only to spend it fighting for a pool lounger, paying peak rates for accom, and cropping 100...
She Skipped Uni, Travelled for 4 Years… and Still Built Her Dream Life
19 Oct 2025
Contributed by Lukas
Ever done something just because it’s what you’re supposed to do? Well, this week's diarist did the opposite. While everyone else was drow...
How to Set Up Your Kids (Without Losing Your Benefits)…And What to Do When You’re Putting in More for the House Than Your Partner
16 Oct 2025
Contributed by Lukas
We all want to be the parent who “sets the kids up,” right? But between savings accounts, offsets, and “future nest egg” fanta...
The Daily Edited & In The Roundhouse: How Alyce Tran Turned a $5K Side Hustle Into Global Brands (and Landed Hailey Bieber as a Fan)
14 Oct 2025
Contributed by Lukas
What if your "little side-hustle" became the next big brand everyone’s talking about? That’s exactly what happened to Alyce Tran, the ex-l...
The Teen Mum Who Went From Centrelink to a Six-Figure Life
12 Oct 2025
Contributed by Lukas
Ever feel like everyone else’s life is speeding ahead while you’re stuck in the slow lane? This week’s Money Diarist knows that feel...
How Much Should You Actually Save Before Having a Baby? And Balancing Travel Dreams Vs Buying a Home
09 Oct 2025
Contributed by Lukas
Ever feel like your money goals are at war with your life goals? Like one minute you’re saving for a house… and the next you’re con...
Brooke’s FIRE Plan: How She’s Investing to Retire at 35
07 Oct 2025
Contributed by Lukas
Retiring early is the ultimate dream... so when Brooke casually dropped that she’s on track to do it by 35 (without the Bank of Mum and Dad), yo...
Money Confessions: What It Actually Costs to Launch a World-First Product (While Juggling 2 Kids and a Mortgage)
05 Oct 2025
Contributed by Lukas
Ever wondered what it really costs to turn a light-bulb moment into something real? This week’s Money Diarist is a mum of two who did exactly th...
Should you use equity in your home to buy a car? And Is Asking for Trust Fund Cash the New First-Birthday Trend?
02 Oct 2025
Contributed by Lukas
Have you ever wondered if you can use home equity to buy something else you need… like a car? The low interest rate makes it sound like the ult...
Your Superannuation Glow-Up Part 1: The $0 Tweaks That Could Change Your Retirement
30 Sep 2025
Contributed by Lukas
You’ve listened to our episode about how much super you really need… but knowing your number is only half the story. The real question? H...
She Was Told She’d Never Make It. 200 Rejections Later, She Proved Them Wrong.
28 Sep 2025
Contributed by Lukas
What do you do when you’ve applied for hundreds of jobs and all you’ve got is rejection emails? This week’s Money Diarist knows the ...
How Much Does HECS Really Affect Your Borrowing Capacity? And Handling Your Parents Bad Financial Decisions
25 Sep 2025
Contributed by Lukas
We’ve all heard HECS is a deal-breaker for your borrowing capacity… but is it really the villain it's made out to be? We’ve got the...
How to Cash in on Your Hobby (and Start a Business With Your Bestie) with Sweet Bakes & Miss Trixie
23 Sep 2025
Contributed by Lukas
Ever wondered if the hobby that you love could be the thing that pays your rent? That’s the story of Alice (Miss Trixie Drinks Tea) and Alisha (...
Dear SOTM Community: You’re Not Behind (Even If It Feels Like You Are)
21 Sep 2025
Contributed by Lukas
Surprise! No Money Diary today... V has hijacked your Monday feed for something different. Think of this one as a little love note from her to you (wi...
Is a Joint Investment Account a Good Idea? And Protecting Your Money From Your Partners Gambling Fallout
18 Sep 2025
Contributed by Lukas
Ever wondered if sharing an investment account is romantic… or just risky business? This week we’re unpacking whether it’s the smar...
AMA: Jess & V Answer Your Biggest Money Questions
16 Sep 2025
Contributed by Lukas
We handed over control of the show to you this week and said: ask us ANYTHING. From how to finally get ahead on your goals, to spotting when you&rsquo...
My Investment Property Dream Became a Financial Nightmare
14 Sep 2025
Contributed by Lukas
We’ve all been told property is the “safe” investment. But this week’s Money Diarist learned the hard way that’s not alw...
Should You Wait For The Property Market To Drop? And What If Paying Off a Big Debt Isn’t Their Priority
11 Sep 2025
Contributed by Lukas
Should you hold off on buying until the property market cools… or is waiting the real mistake? We’ve all heard the classic “just wa...
Money Talk With the Prime Minister: Anthony Albanese on Housing, Childcare and the Cost of Living Squeeze
10 Sep 2025
Contributed by Lukas
We finally got to do it... sit down with Prime Minister Anthony Albanese and ask the money questions that actually matter to you. Not the political th...
Victoria & Brooke’s Investing Watch List: The Shares, ETFs and Trends They're Tracking
09 Sep 2025
Contributed by Lukas
Victoria and Brooke are always swapping notes on the shares and ETFs they’re watching... so we thought, why not let you in on the chat? This isn...
How She Went From High School Dropout to $750k Net Worth
07 Sep 2025
Contributed by Lukas
Have you ever wanted to pack a bag, vanish from your old life? That’s exactly what this week’s Money Diarist did when her world flipped up...
What Should You Really Do With Your Tax Return? And a Spicy WFH Energy Bills Debate
04 Sep 2025
Contributed by Lukas
Tax time always feels like free money season… but is it really? This week we’re debating whether your refund should go straight into savi...
The Smart Home Buyer’s Guide to Finding “The One”
02 Sep 2025
Contributed by Lukas
House hunting in 2025 feels... chaotic. That’s why this week’s Deep Dive is your playbook for finding "The One". Because the perfect prope...
She Took a Risk on a Seachange… and Accidentally Made the Best Money Move of Her Life
31 Aug 2025
Contributed by Lukas
Every money story has a sliding door moment... the decision that could go either way. Stay safe, or risk it all. This week’s Money Diarist chose...
How Much Should You Really Have in Savings? And What To Do If Your Financial Advice Feels Wrong
28 Aug 2025
Contributed by Lukas
So… what is the magic number you should have when it comes to savings? Is it a neat percentage, a chunky dollar figure, or three months of bill...
Michelle Battersby’s Playbook for Career Moves, Confidence, and Thriving in Tech
26 Aug 2025
Contributed by Lukas
Ever wondered how people actually know when it’s time to quit, pivot, or back themselves in a huge career move? Well Michelle Battersby's career...
How a Former Pro Athlete Really Manages Her Money
24 Aug 2025
Contributed by Lukas
Have you ever had to say no to something you couldn’t afford... and it completely changed your life? This week’s Money Diarist has. She wa...
Is a Car Novated Lease a Smart Money Move? And the Passion Vs Pay Cheque Career Debate
21 Aug 2025
Contributed by Lukas
Is it really a money hack if it leaves you wondering whether you’re saving money… or just signing up for a fancier kind of debt? This wee...
How Victoria Devine Went From Hiding $40k Debt to Financial Freedom (And Lessons You Can Steal)
19 Aug 2025
Contributed by Lukas
You know Victoria Devine as your finance hype girl… but for the first time ever, she’s sharing the part of her story you’ve never h...
Why Women Need to Work 50 Extra Days to Earn the Same As Men... And How to Push Back
18 Aug 2025
Contributed by Lukas
Women need to work 50 extra days just to earn what men made last financial year… and today, August 19, marks those extra days. It’s calle...
My New Husband Had $40k of Secret Debt. I Paid It, Then He Divorced Me.
17 Aug 2025
Contributed by Lukas
What would you do if after your wedding you found out your husband was hiding $40,000 of secret debt? Well, this week's Money Diarist rolled up her sl...
Is this Giving MLM Vibes? And the Hidden Cost of Being Financially Responsible
14 Aug 2025
Contributed by Lukas
If it looks like an MLM and quacks like an MLM… is it an MLM? That's the big dilemma our community member needs help with this week. Her b...
Investing Diary: How This SOTM Team Member Built Her Portfolio (And Could Retire At 35)
12 Aug 2025
Contributed by Lukas
You guys have been BEGGING for a pervy look at the SOTM team’s money stories… and we finally have a volunteer. Brooke is not just respons...
She Quit Her 9-to-5 and Pulled Off the Ultimate Career Glow-Up
10 Aug 2025
Contributed by Lukas
Ever dreamed about walking out of your 9–5 and building something completely different... something that changes your life and other people...
Raising Money-Smart Kids & Feeling Stuck in a Joint Mortgage
07 Aug 2025
Contributed by Lukas
What do you do when your financial goals clash with the people closest to you? This week, we’re diving into the messy, emotional side of shared ...
The Rich Girl Mindset (And How to Get It)
05 Aug 2025
Contributed by Lukas
Wanna know the #1 thing rich people do differently? It’s not their salary. It’s not their savings. It’s their mindset... and it&rsqu...
When the Unimaginable Happens
03 Aug 2025
Contributed by Lukas
What happens when life changes in an instant, and the world expects you to carry on? This week’s Money Diarist had everything in motion: a new h...
Is It Time To Sell Your Property? And Can You Say You're Broke if You're Just Out of Fun Money?
31 Jul 2025
Contributed by Lukas
How do you know when it’s time to sell a property? Whether it’s your investment, your starter home, or just the one with the dodgy plumbin...
Your Future Self is Begging You To Listen to This Episode (Let's Talk How Much Super You'll Really Need)
29 Jul 2025
Contributed by Lukas
Trying to figure out how much super you actually need? Yep, it’s confusing. With all the numbers, charts, and retirement buzzwords flying around...
How She Went From Centrelink to $100k Investment Portfolio and Multiple Properties
27 Jul 2025
Contributed by Lukas
She grew up on Centrelink. Now she’s got $240K in super, six figures in shares, and two properties... all before 35. This week’s Money Dia...
Should You Change Careers? And a Wedding Budget Blowout Drama
24 Jul 2025
Contributed by Lukas
Ever felt like your job’s covering the bills but slowly crushing your soul, and caught yourself wondering, surely there’s more to life tha...
Troy Benjamin On How Backing Yourself And Asking For Help Can Really Pay Off
22 Jul 2025
Contributed by Lukas
Ever felt like you’re one ask away from changing your whole life? Well, this episode is inspiration you need to shoot your shot. This week Victo...
When the Cost of Living Hits Hard
20 Jul 2025
Contributed by Lukas
Feeling the cost of living squeeze? This week’s Money Diarist is too. She’s a vet, a mum of two, and part of a household doing all the &ld...
Should You Wait to Lodge Your Tax For the 20% HECS Discount? And a Spicy DM About Unequal Pay
17 Jul 2025
Contributed by Lukas
The HECS 20% discount has the whole community buzzing, and we’ve been getting so many DMs asking whether you need to wait to lodge your tax...
The Insurances I Would Never Buy... From an Insurance Expert
15 Jul 2025
Contributed by Lukas
If you've ever been offered insurance at the checkout and thought, “Wait… do I actually need this?” this ep is for you. From phone ...
My Husband Left Me 6 Months After Having Twins.... And We Had A $50k Debt
13 Jul 2025
Contributed by Lukas
Ever felt like your whole life got flipped without warning? Like one minute you're managing work, babies, bills... and the next, everything's on fire?...
Is This the Biggest Financial Decision You'll Make?
10 Jul 2025
Contributed by Lukas
It’s the finance hot take that’s everywhere right now, but is your partner really the biggest financial decision you'll ever make? Th...
I'm Bored. Give Me Your Most Unhinged Money Saving Hacks...
08 Jul 2025
Contributed by Lukas
If you’ve spent five minutes on TikTok lately (okay, five hours), you’ve probably stumbled on the “most unhinged hack” trend.....
We Chose a Long-Distance Marriage For 2 Years to Build Our Future
06 Jul 2025
Contributed by Lukas
What would you sacrifice for your long-term financial goals? In this week’s Money Diary, we meet someone who made a bold, unconventional choice....