You’re ready to start investing… and then someone suggests borrowing money to make your portfolio grow faster. It sounds genius in theory, but is it actually a smart move? This week we’re unpacking the financial advice one community member received about doing just that, and Victoria breaks down how these loans really work, why the maths can be seductive, and the little thing called a “margin call” that can throw your whole plan into chaos.

Then we switch gears into Christmas gifting season, which is currently giving drama. Someone asked for a $300 birthday present. Gift cards are in their controversial era. And half of you are quietly switching to Secret Santa because December is expensive enough already. If you’re feeling gifting guilt creeping in, this chat will help you set boundaries without losing your festive cheer.

LISTEN: To the Money Diaries episode where she is Debt Recycling here or search She Left Her Husband With $12K and Two Suitcases... Now She’s Worth Six Figures.

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Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

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