She's On The Money

ETFs Explained: Everything You Need to Know Before You Buy Your First One

19 May 2026

Contributed by Lukas

See omnystudio.com/listener for privacy information.

She Spent Hundreds of Thousands in 12 Months… Then Realised She Had No Idea Where Her Money Was Going

17 May 2026

Contributed by Lukas

This week’s Money Diary is one of those “wait… this is actually so relatable” conversations. She’s a newly admitte...

Your Paycheck Isn’t Stretching Like It Used To. We Asked The PM Why

16 May 2026

Contributed by Lukas

Okay… this one still feels a bit surreal to say out loud. Right after the federal budget dropped, I sat down with Australia’s Prime Minis...

“Can I Actually Afford My Life Right Now?” We Put Australia’s Ministers In The Hot Seat

15 May 2026

Contributed by Lukas

Right after the federal budget dropped, I sat down with some of Australia’s most powerful ministers and political voices to ask the questions ou...

Negative Gearing Is Dead, Unless You’re Already In. Jim Chalmers Explains Why Young Australians Miss Out

15 May 2026

Contributed by Lukas

The federal budget has dropped… and Australians have opinions. So Victoria sat down with Australia’s Treasurer, Jim Chalmers, immediately...

My Boyfriend’s Secret Debt + Should We Use Our Savings to Pay Off His Business Debt?

14 May 2026

Contributed by Lukas

Sometimes being nosey pays off. Other times, it reveals that your partner hasn’t paid off their $40k credit card debt. Stressy and a little scan...

The Costs of IVF: Financing Your Fertility Journey

12 May 2026

Contributed by Lukas

This episode is what happens when financial planning and family planning have a baby. Why is it that egg-freezing and IVF feel like buzzwords; distant...

BONUS: The 2026 Federal Budget Explained Without The Boring Bits

12 May 2026

Contributed by Lukas

The federal budget officially dropped at 7:30pm tonight, but we recorded this episode from inside Budget Lock-Up BEFORE the rest of the country got th...

Dropped Out of Uni Three Times… and Now Earns $140K Without a Degree

10 May 2026

Contributed by Lukas

Have you ever thought, “maybe I’ve missed my chance.” This weeks diarist started uni three separate times and dropped out every sing...

Take It or Leave It: Could Taking Stress Leave Affect My Insurances?

07 May 2026

Contributed by Lukas

It’s all too familiar. Work has you burning you out. And even your manager has suggested that you take some time off. So, why does it still feel...

Building The Dream: Jess Shares What She’s Learned (So Far)

05 May 2026

Contributed by Lukas

Manifesting home-ownership, but priced out of buying a house? Maybe building your own is the way to go. But where do you even begin? She’s on th...

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03 May 2026

Contributed by Lukas

See omnystudio.com/listener for privacy information.

'No Wedding Gifts Expected’... Then Why Do I Feel Guilty?

30 Apr 2026

Contributed by Lukas

Finding it hard to keep your cool when share prices are plummeting? Tap ‘play’ for instant relief from hasty portfolio decisions. In this ...

The RBA: Who’s Calling the Shots and How it Affects Your Rates

28 Apr 2026

Contributed by Lukas

The cash rate. It’s up. It’s down. Honestly, it’s giving ‘chaos’ when it comes to our everyday spending. Almost as if th...

From Debt and Divorce to Building Her Dream Home as a Single Mum

26 Apr 2026

Contributed by Lukas

She went from owing money to everyone… to building her dream home. This week’s Money Diary is a story about starting over. After having k...

Is It Lifestyle Creep… or Is Life Just Getting More Expensive?

23 Apr 2026

Contributed by Lukas

Be honest… are you actually spending more, or does it just feel that way?In this week’s Friday Drinks, we’re unpacking the very rea...

Should I Be Worried About My Money Right Now? What Global Uncertainty Actually Means for Your Portfolio

21 Apr 2026

Contributed by Lukas

If you’ve opened your investing app lately and immediately closed it again… this one’s for you. The share market has been all over ...

I Fell Pregnant at 30… While Single and Working 70-Hour Weeks

19 Apr 2026

Contributed by Lukas

This week’s Money Diary is from a 31-year-old nurse who fell pregnant at 30… while single and working 70-hour weeks. At the time, money w...

Salary Negotiation Gone Wrong + Are You Investing in the Same ETF Twice?

16 Apr 2026

Contributed by Lukas

This week’s Friday Drinks starts off fun… and ends in absolute chaos. Because what do you do when you get headhunted and try to negotiate...

Money hacks that actually make you cash (Real Ideas From Our Community)

14 Apr 2026

Contributed by Lukas

If you’ve been feeling like you need to make a bit more money right now… this episode is for you. This week, Jess and Bec are getting nos...

I Tried to Time the Market… But the Market Timed Me

12 Apr 2026

Contributed by Lukas

What actually happens when you start investing… and just figure it out as you go? In this week’s Investing Diary, we’re chatting to...

I Earn $280K… But I’m Completely Burnt Out and Trapped

09 Apr 2026

Contributed by Lukas

This week’s Friday Drinks is a little bit rogue… and we’re not mad about it. We’re diving into a money dilemma from someone e...

Trillions Wiped From the Share Market… What’s Actually Going On?

07 Apr 2026

Contributed by Lukas

If you’ve opened your phone this week and seen headlines about billions or even trillions being “wiped” from the share market&hellip...

I Was a Broke Single Mum with Bad Credit… Now I Own a Home and Invest

05 Apr 2026

Contributed by Lukas

What happens when you hit rock bottom with money… and decide to completely turn your life around? In this week’s Money Diary, we meet a S...

Debt That Got Out of Control… Can You Fix It?

02 Apr 2026

Contributed by Lukas

It’s a Jess and Bec takeover this week (while V is still on mat leave… but don’t worry, she’s back very soon 👀). We kick t...

Travel Savings Hacks That Feel Illegal (But Aren’t)

31 Mar 2026

Contributed by Lukas

If you’ve ever looked at your bank account after booking a holiday and thought… “well, that was financially irresponsible” &m...

Made Redundant Twice… And Built a Profitable Business Anyway

29 Mar 2026

Contributed by Lukas

If you think being made redundant would completely derail your finances… this week’s Money Diary might change your mind. Our diarist is a...

Should You Sell Shares for a House Deposit? (+ Buying Property With Family)

26 Mar 2026

Contributed by Lukas

V is back in the studio (and yes… she brought Cami along for a very cute cam(i?)o because apparently she couldn’t stay away). If you hear...

The Investing Trends That Defined 2025 (And What They Mean For You)

24 Mar 2026

Contributed by Lukas

If you’ve been trying to make sense of what’s actually going on in the share market right now… this is your cheat sheet. In this we...

How One Mum Turned a Job Loss Into a Multi-Million Dollar Comeback

22 Mar 2026

Contributed by Lukas

See omnystudio.com/listener for privacy information.

Can You Actually Use Your Super To Buy Property? And Whose Responsibility Is It To Pay For Your Parents’ Funeral?

19 Mar 2026

Contributed by Lukas

See omnystudio.com/listener for privacy information.

Meet The Woman Getting Brands To Pay For Period Products Instead Of Women

17 Mar 2026

Contributed by Lukas

Period products are one of the most normalised monthly expenses in women’s lives… but have you ever stopped to ask why?Why is this someth...

Investing Diaries: ASX and the City

15 Mar 2026

Contributed by Lukas

Would you love to start and investing club with your friends? That’s exactly what this week’s Money Diarist did. Inspired by the...

Are You Actually Behind Financially? And the 12 Month Job Myth

12 Mar 2026

Contributed by Lukas

You're saving. You’re investing. You’re working towards your financial goals..... and yet somehow you’re still stuck in the exact sa...

How Being a Woman Changes Your Insurance (and Why We End Up Claiming More)

10 Mar 2026

Contributed by Lukas

What would actually happen if you couldn’t work tomorrow… and your income just stopped? Because here’s the uncomfortable truth: Ins...

The $110-a-Month Decision That Saved Her When the Worst Happened

08 Mar 2026

Contributed by Lukas

If you've ever asked yourself if personal insurance is really worth it... you need to listen to the episode! This week’s Money Diarist always co...

High Pay vs Flexibility: What’s the Best Career Choice?

05 Mar 2026

Contributed by Lukas

International Women’s Day is this weekend, and while we love celebrating incredible women, it also felt like the perfect time to talk about some...

Equity Explained: Is It Really the Shortcut to Getting Rich?

03 Mar 2026

Contributed by Lukas

Everyone keeps saying “just use your equity” like it’s some kind of cheat code to getting rich… but what does that actually m...

She Bought Her First Home With a 2% Deposit on an $86k Salary

01 Mar 2026

Contributed by Lukas

If you’ve ruled out owning property because you don’t have a 20% deposit… or you’re single… or your salary isn’t...

Why Owning Property Isn’t Always the Safety Net You Think... And the Relationship Red Flag That Has Us Concerned

26 Feb 2026

Contributed by Lukas

Property is supposed to be the ultimate safety net… so why does it sometimes just feel like stress (and a second full-time job you never applie...

The Questions Everyone Has About Investing in the Share Market, Finally Answered

24 Feb 2026

Contributed by Lukas

You’ve got investing questions… because wanting to build wealth and still being confused is completely normal. And instead of pretending ...

Investing Diaries: How She Turned Early Investing Mistakes Into a $100k Portfolio

22 Feb 2026

Contributed by Lukas

Have you been waiting to start investing because you’re scared you’ll get it wrong? This week’s Money Diarist started with a hot sto...

Does Your HECS debt Really Matter? How to Set Money Boundaries at Work

19 Feb 2026

Contributed by Lukas

You know that moment where you  see your HECS balance, and immediately reconsider every life choice you made at 18? This week we’re unpacki...

Nailing Your Finances in Your Single Era (and Beyond)

17 Feb 2026

Contributed by Lukas

Being single isn’t a money downgrade… it’s just a different rulebook. One where you’re covering the full cost of life, making...

The Move That Made Homeownership Possible

15 Feb 2026

Contributed by Lukas

Ever looked at house prices and thought that could never be me? This week’s Money Diarist had that exact moment. She was newly married, wit...

Are Bonds or ETFs the Better Investment Option? What to do When Your Tax Accountant is Being Dodgy

12 Feb 2026

Contributed by Lukas

You know you should be investing… You’ve heard the words bonds and ETFs.... but which one is going to make you better off? This week...

Debt Recycling 101: What It Actually Is and Whether It’s Right for You

10 Feb 2026

Contributed by Lukas

If you believe the finance bros on TikTok, debt recycling is the magic wealth building hack everyone with a home should already be using. But is it re...

How This 24 Year Old Without a Degree Earns $180k a Year (and Is on Track to Retire at 50)

08 Feb 2026

Contributed by Lukas

You don’t need a uni degree to earn $180k a year. This week’s Money Diary proves it. Oh and did we mention she’s only 24?!?! So of c...

Is a Guarantor on a Property Loan a Smart Move? Plus, When Using Your Super Early Makes Sense

05 Feb 2026

Contributed by Lukas

Have you ever been offered financial help that sounds generous… but you're worried if it comes with strings attached. This week’s Friday ...

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...