She's On The Money
Australia’s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and —yes—actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt— all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat—just way better for your bank balance. It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.
Episodes
Sometimes a spreadsheet isn’t going to cut it. Sometimes the only thing standing between you and an impulse purchase is a genuinely unhinged obstacle, like freezing your credit card in a bowl of water and letting time do the work. And because our first Unhinged Hacks episode became one of the most replayed of the year, Bec took that as a sign, went rogue, booked the studio, brought Jess alo...
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 quite land the way you thought they would back in January, you’re not alone. A lot of us get to this point feeling tired, reflective, and a little unsure how to sum it all up. This episode is a chance to look at the year differently. Not thro...
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 community wins that honestly deserve more airtime... and of course your favourite blooper reel. Plus we get into which is cheaper, building vs buying a home. Building can look cheaper, especially online, but the reality is a lot messier. We talk about wher...
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 than any goal you set in January. So instead of rules or end-of-year pressure, Victoria and Bec share the five things they genuinely wish every person in this community would focus on before heading into 2026. These are the five big things that actu...
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 carries. When her partner suggested using her inheritance to buy property together, it felt like the right next step. The grown up one. The kind you make when you’re building a future with someone. Then the relationship ended, and that decisio...
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 one person orders like it’s their last supper and everyone else is expected to split it evenly. What do you actually do in that moment? Do you say something, suck it up, or quietly build resentment? We talk through the options, the social risk...
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 white picket fence dream might feels further away than ever, that doesn’t mean property investing is completely off the table. This ep is your DIY guide to becoming a trust fund baby... a real estate investment trust fund baby. Victoria is breaks down the other way to get proper...
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 Jane Lu’s life… right before she built Showpo. And today, Jane is speaking candidly about it all.The pressure to pick the “good girl” career, the fear of disappointing her parents, the panic of feeling behind while everyone else looks like they’re sprin...
Some weeks it feels like you’re doing everything right with money… and still getting nowhere. If that’s been your energy lately, you’re not alone. This week we’re unpacking why that happens, what it means when your effort isn’t matching the outcome, and the practical ways to reset without throwing your whole plan in the bin. We also heard from someone in our ...
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 favourite bougie-on-a-budget queen, Chelsea Goodwin, to show us how to pull off a Christmas table that looks rich, festive and fabulous, while your actual grocery bill stays unbothered. Chelsea is dropping 17 gen...
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 queen Emma is here to share exactly how her finances and money mindset has changed. This is what happens when real life, rising costs, and a very loud financial education collide. A home that wasn’t meant to be forever suddenly holds the key ...
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’t quite fix. If that’s you, this week we’re talking about the moments where your financial goals start clashing with your wellbeing, and how to tell when you’re pushing yourself for a dream versus pushing yourself past your limi...
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 most financially competent women into festive chaos elves… not because you’re “bad with money,” but because the whole season is engineered to hijack your brain. This week, Victoria unpacks the psychology behind Christmas ove...
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 need. Our Money Diarist started on eight dollars an hour at Macca’s, saved like a girl with a plan, and built a foundation that most of us don’t hit until our thirties.... and she did it before she could legally rent a car. This episo...
This special episode was created for our First Nations community members. Victoria invited Leah Bennett from the First Nations Foundation on the show to talk through the realities, pressures and systems that shape money confidence for First Nations people today.
Leah shares how history, culture and community responsibilities influence financial literacy, why trus...
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 from someone whose partner has fallen for the hype hard. So we're taking a closer look at crypto is, what it isn’t, why it feels so convincing online, and how to tell the difference between investing and straigh...
You know when you’re standing in front of your overflowing wardrobe, absolutely drowning in clothes, and still somehow convincing yourself you have nothing to wear? Today’s guest knew that feeling all too well… until she decided she wasn’t buying a single new item of clothing for a whole year. Yes, Emma Edwards did the thing a lot of us love conceptually but would never have the courage, discipline, or emot...
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 app, she genuinely believed investing was a world reserved for men on Wall Street. Then lockdown hit, the algorithm gods did their thing, and suddenly she was seeing finance content from women who actually looked and sounded like her. One rabbit hole ...
If you’ve ever heard “managed portfolio” and thought… okay but what actually are they, this one’s for you. We break down what “managed” really means in practice, how they differ from your usual ETF mix, and the moments when outsourcing the mental load might make more sense than being your own fund manager. Then we get into a dilemma that had the whole office screaming: a partner who t...
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 foundations sorted, but part 2 is all about small things you can do to turbocharge your growth. We’re talking simple, realistic changes that add up to massive long-term results, even when life is expensive and you’re just trying to get through the week.
In this ep:
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