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 you!

Victoria and Jess are here to prove you can buy property without a trust fund, a partner, or a miracle. They’re breaking down the actually doable ways to get into the market... from decoding your borrowing power and super hacks to the spicy truth about LMI (spoiler: it’s not the villain). This is the step-by-step playbook for anyone who’s serious about owning property on their own terms.

🏡The real first step you need to take (and no, it’s not saving harder)
🏡 All the chats to have with your broker before you start scrolling listings
🏡 Hacks to build a deposit faster (no two-minute noodles required)
🏡 The tax move so good that it feels like it should be illegal (but it's not)
🏡 Surprising maths that makes “less than 20%” work in your favour

LISTEN: The Smart Homebuyer's Guide to Finding "The One"

Join our Facebook Group 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+.

And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

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 - 451289.

See omnystudio.com/listener for privacy information.

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 later, she married someone just like him. While she worked and saved, he spent, quit jobs on a whim, and left her holding the financial bag. At 30, she’d had enough. She packed two suitcases, took her last $12K, and started again. . Now building wealth on her own terms (complete with a partner who actually gets it) and even using debt recycling to make her mortgage work harder. This ep is proof that starting again doesn't equal failure... it’s a power move.

GET VICTORIA'S BUDGETING SYSTEM: Master your cashflow here.

Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now

Join our Facebook Group 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+.

And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. 

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

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 - 4

See omnystudio.com/listener for privacy information.

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, zero recognition, and a boss who extended her probation “just because.” She’s got a mortgage, $20K in savings, and one big question: is it smart or reckless to quit with nothing lined up? It’s a debate every burnt-out queen needs to hear... equal parts therapy and tough love. We're also tackling what to do when you can't get insurance. Victoria breaks down your options, the little-known loopholes, and why getting cover early is the real adult flex. Because it’s not the end of the week until we’ve shared a few money wins, a broke tip, and at least one questionable life choice.

Need the team’s take on your money dilemma? Send us a voicemail here.
Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. 

Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here.

Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. 

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

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 - 451289.

See omnystudio.com/listener for privacy information.

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 tourists out of your sunset pics. Well, on our recent trip to the NT, we realised we’ve been doing travel wrong. And because we don’t gatekeep at SOTM, this ep is all about our new fave travel hack. One that's completely changed how we think about timing, value, and what makes a holiday actually feel rich. In this Deep Dive, we unpack why we’ve all been trained to think this season is “the best,” the psychology that makes us pay more without realising, and the surprising perks of travelling when everyone else isn’t. This one is full of practical tips for planning smarter holidays, scoring better deals, and making your money further. 

In this ep:
✈️ Our bucket list trip without the bucket list prices
✈️ The travel trap that’s been quietly draining your bank account 
✈️ How to score luxe-for-less stays without feeling like you’re budgeting
✈️ Go-to tips for planning getaways that feel rich... not expensive

Today's episode was sponsored Tourism NT... 
See the full blog of our dreamy NT travel diaries right here.
Ready to plan your own trip? Find the amazing deals and experiences of the NT's Best Kept Season here

Join our Facebook Group 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+.

And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

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 - 451289.

 

 

 

See omnystudio.com/listener for privacy information.

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 drowning in student debt and instant noodles, she was saving, flying, and somehow adulting better than all of us. She bought a house in her early twenties, lived overseas for years, and came home with more life experience than any degree could buy. Spoiler: doing life “out of order” might’ve been the smartest move she ever made. Inside this diary, we get into skipping-uni guilt, working smarter than your parents planned for, and how to build a life that actually feels good, not just looks good on LinkedIn.

GET VICTORIA'S BUDGETING SYSTEM: Master your cashflow here.

Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now

Join our Facebook Group 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+.

And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. 

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

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 - 4

See omnystudio.com/listener for privacy information.

We all want to be the parent who “sets the kids up,” right? But between savings accounts, offsets, and “future nest egg” fantasies it's hard to know what to do. So this week we’re breaking down how to actually make your money work harder (for you and your mini-me). Then things get spicy with a DM that split the community: she’s saved $150K, he’s got $64K, and they both want to own the house 50/50. Do you still go halves? Do you lawyer up? Or do you just call it “love tax”? We get into what’s fair, what’s smart, and how to buy a house together without starting a civil war.Just another Friday of money wins, rogue broke tips, and a little financial drama to keep things spicy.

Need the team’s take on your money dilemma? Send us a voicemail here.
Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. 

Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here.

Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. 

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

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 - 451289.

See omnystudio.com/listener for privacy information.

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-lawyer who turned a $5K side project into The Daily Edited, built stores in New York and Singapore. Then, because one cult brand wasn’t enough, she launched In The Roundhouse, the tableware label making dinner look like a fashion moment. In this ep Victoria finds out exactly how Alyce went from corporate girlie with a creative itch to a serial founder of cult-status brands. You'll here the actual money story of how she bootstrapped both brands without investors, made big collab moves on a budget, and learned that million-dollar months don’t magically cure the “not enough” feeling.

💼 How a corporate lawyer accidentally built a global empire 
💼 The $5K startup story that proves you don’t need investors
💼 Her influencer strategy that landed Hailey Bieber 
💼 Perfectionism, profit, and the myth of “having it all”
💼 Her playbook for building brands people obsess over 
💼 How she's made her work feel nothing like "work"

ALYCE'S LINKS: Follow Alyce on Tiktok.
Shop In The Round House and follow their dreamy Instagram.

Join our Facebook Group 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+.

And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

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 - 451289.

 

See omnystudio.com/listener for privacy information.

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 feeling too well. While her friends were off travelling, she was juggling uni deadlines and midnight feeds. At 17, she was pregnant and kicked out of school for being a “bad example.” Instead of giving up, she finished Year 12 through TAFE, raised her baby, went to uni, and rebuilt her life from scratch, all while living on Centrelink. Fast forward a decade and she’s earning six figures, owns her home, and has cleared every cent of personal debt. But getting here meant facing down shame, comparison, and that constant feeling of being “behind”… so this ep is full of the real talk we all need to hear. This episode is your reminder that it doesn’t matter where you start, you can still build something incredible from right where you are.

GET VICTORIA'S BUDGETING SYSTEM: Master your cashflow here.

Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now

Join our Facebook Group 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+.

And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. 

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

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 - 4

See omnystudio.com/listener for privacy information.

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 convincing yourself a Euro summer is “an investment in personal growth”? This week’s DM came from someone stuck right there... her partner’s all-in on buying a home, while she’s eyeing flights. And honestly? We get it. Because trying to choose between living life and getting ahead feels like an impossible math problem. So we’re unpacking whether travel really sets you back… or if it’s just a different kind of wealth that doesn’t show up in your net worth. Victoria's breaking down how to make those big-money decisions (trips, weddings, babies, the whole lot) without losing sight of Future You, or resenting Current You for having fun. And speaking of big milestones… we’re also getting real about how to actually prep for parental leave. From test-driving life on one income to building a “sanity fund” that actually covers what you’ll really need, not just the boring stuff. Plus, it's Friday so there's all the money wins, broke tips and money goss you love. 

Need the team’s take on your money dilemma? Send us a voicemail here.
Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. 

Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here.

Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. 

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

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 - 451289.

See omnystudio.com/listener for privacy information.

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), you all screamed a collective “HOW?!”

So of course, Victoria had to get her back in the studio to spill everything... and more importantly, share what the rest of us can steal from her strategy without living on two-minute noodles. Turns out, it’s not magic, she started on a $50K salary and built it dollar by dollar with smart habits, steady investing, and a money plan that’s more about options than obsession. Think of this as your crash course in Financial Independence, Retire Early (FIRE) for people who still love a little bit of fun money. Because the real flex isn’t retiring early, it’s having the kind of financial independence that lets you choose what your dream life looks like.

Inside this ep:
📈 What a “FIRE number” actually is (and how to figure out yours)
📈 Why “Barista FIRE” could be the soft-life version of early retirement
📈 Super vs shares: how to choose the smarter move for your future
📈 Mindset shifts that totally changed the game for her
📈 The small money systems Brooke swears by (and how to copy them)
📈 Why even a 1% change in your savings rate can shift your whole future

LEARN TO INVEST CONFIDENTLY: Our Investing Masterclass is open, enroll here.

Join our Facebook Group 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+.

And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

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 - 451289.

 

See omnystudio.com/listener for privacy information.