She's On The Money

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

January 18, 2026 49 mins

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 Diarist found herself when she realised she was about $60,000 deep. There was a car. A wedding. Setting up a home. All the things that feel like you’re just meant to do as you build a life. Until one day she zoomed out and realised a life i...

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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 why saving feels harder than it should, even when you understand the basics, and what actually needs to change for it to start working in real life. Victoria is joined by behavioural scientist Dr Lily Susman to explain how money habits form, why being ...

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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 week’s Friday Drinks tackles a DM from someone newly back in the dating world who’s trying to work out whether she’s being too picky, or whether she’s just finally noticing the stuff she used to brush past, like the keeping score, ...

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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 competition has changed, and suddenly everyone is talking about 5% deposits like they’re either your golden ticket or the end of the world. Lucky for us, mortgage queen Jaclyn Walsh is here to break down what’s actually going on in the property m...

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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 put-together life… this episode is about to ruin all of those excuses in the best way. Today, the one and only Bec Syed has volunteered to jump into the Investing Diaries seat so we can get pervy on her first year as an investor (and yes, it’s exactly as Bec-coded as you&rs...

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January 9, 2026 41 mins

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 for you. This is the next step in our Summer Starter Series, where we’re going back to the foundations that help you get on top of your money, in a way that actually feels manageable. In episode one we got ontop of our 4 most important numbers...

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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’re chatting about that stage so many of us sit in. You want to do the right thing with your money, but you’re not sure whether a financial advisor makes sense for your current situation. We talk through when financial advice can really hel...

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If you’ve been saying “I really should start investing" this episode is for you. Because wanting to invest and actually investing are two very different things. And for most of us, it’s not laziness or lack of ambition that keeps us stuck. It’s the quiet spiral of I don’t know enough yet... or I don’t have enough money... or what if I pick the wrong thing... and...

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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 doing exactly what she wanted to do. Enjoying life, making memories, prioritising experiences. And then came the realisation that while she didn’t regret any of it, she needed a different plan going forward. In this episode, she walks through ...

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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, or you’ve been listening for years and want a reset, this series is about getting you back to the basics that actually work. In this episode, we walk through how to actually see your money clearly for the first time. What’s coming in, w...

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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 instead of doing the usual wins and broke tips, we asked the community two big questions. What was your biggest money learning last year? And what small change did you make that had the biggest impact on your finances? The answers are the perfect inspo you need if you’re feeling ...

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December 30, 2025 28 mins

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...

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December 28, 2025 11 mins

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...

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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...

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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...

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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...

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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...

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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...

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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...

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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 ...

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