She's On The Money

You know that moment where you see your HECS balance, and immediately reconsider every life choice you made at 18? This week we’re unpacking that HECS regret spiral. We chat through what banks actually care about (and what they don’t), whether HECS is really the villain in your home ownership story, and when paying extra off it is a smart move versus just an anxiety-driven one. Then we slide into a workplace dilemma that starts off generous and slowly gets… uncomfortable. It opens up a much bigger conversation about money boundaries, being the “nice” one, and how easily financial habits between people can get blurry if you don’t reset them early. Plus we've got all your money wins, your broke tips, and the usual Friday chaos.

NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money 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.

Being single isn’t a money downgrade… it’s just a different rulebook. One where you’re covering the full cost of life, making every decision solo, and are somehow expected to hold it all together. So this ep is all about ditching the idea that life (and finances) only get easier once you’re partnered, and giving you the tools to build something solid, confident, and completely your own so you thrive in your single era and beyond.
Inside this ep:
💅Why a man is not a financial plan
💅How to reset your budget for solo living
💅Smarter ways to handle “the singles tax”
💅Financial planning that actually works on one salary and real life
💅The mindset shift that turns being single into financial advantage

FURTHER LISTENING: How Much Super Do You Really Need

MORE SINGLE MONEY INSPO: Our single finances playlist

FREEBIE: Download Chelsea’s $10 meal plan

INVESTING CODE MENTIONED: Sign up to Sharesies, use our code SOTM10, deposit any amount and get $10 to invest. T&Cs apply.

SORT YOUR INSURANCES: With Skye Wealth here. We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust.
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 - 45128
See omnystudio.com/listener for privacy information.

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, with $50 in the bank after the honeymoon, watching Sydney property prices climb while they were still trying to get ahead. So instead of accepting their fate as “forever renters,” they made a decision most people talk about, but don’t actually follow through on... they packed up and moved to a regional town. It meant leaving behind friends and family, and starting again in a place where they didn’t know anyone. And no, it wasn’t instant success. There were setbacks, second guesses, and plenty of moments where they wondered if they’d made a huge mistake. If you’ve ever felt locked out of home ownership, this one might just shift your entire perspective.
SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust.

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

NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money 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 - 4451289.
See omnystudio.com/listener for privacy information.

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 we’re putting bonds and ETFs head to head. What they are, how they behave, and why it’s less about choosing a winner and what it's more about instead. The we help out a community member who's tax accountant is giving red flag behaviour. So we're chatting what’s normal, what’s absolutely not, and how to protect yourself if something feels off. Plus, we've got all your fave money wins, your broke tips, and the Friday chaos to kick of the weekend the right way.

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.
LISTEN: Podcast episode on bonds
Our full investing playlist
FIND A FINANCIAL ADVISOR OR ACCOUNTANT: Get matched with a financial advisor or accountant that matches your situation here.

NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money 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.

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 really that simple? So, in this episode, we’re looking beyond the hype to explain what debt recycling actually is, how it works in the real world, when it can work well and why it’s not a shortcut or a strategy that suits everyone.

In this ep:
💰Why debt recycling looks like a no brainer on TikTok
💰What it actually means for your mortgage (and your cash flow)
💰The risks of the strategy finance bros don’t talk about
💰How to tell if it’s smart move for you, or a stress bomb waiting to go off
💰The foundations you need before even thinking about it
💰When debt recycling can build wealth and when it can backfire

**Note: This episode was recorded last year in preparation for Victoria’s maternity leave, so it was recorded before last week’s cash rate rise. If you’re wondering what that change might mean for your mortgage, we’ve got a free mortgage tracker you can use here.

FIND A FINANCIAL ADVISOR: Get matched with a financial advisor that matches your situation here.

NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money 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 - 45128
See omnystudio.com/listener for privacy information.