She's On The Money

What would actually happen if you couldn’t work tomorrow… and your income just stopped? Because here’s the uncomfortable truth: Insurance isn’t gender neutral. Women experience more time out of the workforce, more chronic and reproductive health conditions, more mental health claims, and we live longer. This episode breaks down exactly how being a woman changes your insurance, why women claim more, and what that means for your safety net. If you’ve ever assumed your cover is “probably fine” because it’s in your super, this episode might change your mind. In this ep: 💸The uncomfortable stat behind why women claim more💸What a past mental health diagnosis really does to an application (and why it’s not always permanent)💸Why pregnancy, mat leave and part time work can affect your cover 💸How conditions like endometriosis, PCOS and family cancer history are actually assessed 💸Trauma vs income protection vs private health, and why they are not interchangeable💸When exclusions can be reassessed, reduced, or removed entirely💸Why DIY applications can accidentally make you uninsurableSORT 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. EVEN MORE EPISODES: Listen to our insurance playlist 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.

Natasha Bamblitt, a First Nations community member and finance student who faced stage four Hodgkin’s lymphoma. She recounts urgent scans and chemo, how a $110/month insurance choice led to a $124,000 trauma payout, and how financial planning and income protection let her focus on recovery. She also discusses shifting priorities, return-to-work planning, and how insurance changed what she could do next.

They debate choosing a high-paying job with generous parental leave versus a lower-paid role that offers real flexibility. They discuss the hidden costs of motherhood and how flexibility can shape long-term family plans. A listener story sparks a sensitive conversation about possible financial control in a friendship and how to offer supportive help. The community shares practical money wins and flexible income ideas.

Jaclyn Walsh, a mortgage broking pro who helps clients unlock property value, breaks down what equity really is. Short, punchy chat about how lenders value property, the 80% LVR rule, when tapping equity can speed up investing, and the risks of locking into more debt. Practical prompts on valuations, borrowing limits and when to pause before releasing funds.

If you’ve ruled out owning property because you don’t have a 20% deposit… or you’re single… or your salary isn’t over $100k, well this week’s Money Diary is here to show you it’s possible without any of that. This time last year our diarist was in a share house that wasn’t great for her mental health, assuming she’d be renting forever. The decision to move back with her parents at 30 didn’t feel like a strategy, it felt like she was going backwards. But her sister challenged her to use that time to her advantage instead of wasting it, so she did. She paid off her credit card, got intentional about saving, and instead of scrolling past it, she decided to properly understand the 2% Help to Buy scheme most people assume won’t apply to them. We chat what the government’s equity stake actually means in real life, and the practical moves that turned “that’s not realistic for me” into keys in her hand. If you’ve taken property off your vision board, this one might make you rethink what’s actually possible. 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 - 4451289See omnystudio.com/listener for privacy information.

Property is supposed to be the ultimate safety net… so why does it sometimes just feel like stress (and a second full-time job you never applied for)? Today we’re getting into the accidental landlord era. AKA what happens when your old home becomes an investment property, but you actually hate being a landlord? We’re talking profit maths, property managers, emergency funds, what “safety net” really means, and the truth about whether you could even move back in if things went sideways.Then it gets very spicy with a DM that asks: should you give your partner your banking password? They don’t live together, it’s not a shared account.... and suddenly we’re in full red-flag territory. We break down financial boundaries, fraud risks, what the banks actually say and the difference between transparency and handing over the keys to your emergency fund. Plus of course, your money wins, elite broke tips, and your classic Friday chaos. WANT TO INVEST IN PROPERTY WITHOUT BEING A LANDLORD?: Listen to our episode You Can Invest in Property With $5. Yes, Really. (A Beginner’s Guide to REITs)MORE MONEY & RELATIONSHIPS EPISODES: We've got a whole playlist 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 - 451289See omnystudio.com/listener for privacy information.

You’ve got investing questions… because wanting to build wealth and still being confused is completely normal. And instead of pretending we all have it figured out, we handed the show over to you, and let you pick Victoria’s brain on everything you’ve been wondering about shares. Does $10 a week actually matter? Is two ETFs enough? And how do you know if your strategy is completely off? We’re answering these and more, because if you’ve had a question, chances are the rest of the community has had it too!In this ep: 📉 The $10 a week habit that quietly builds wealth📉 The tax mistake that scares people off investing (and why it shouldn’t)📉 What actually happens when you hit “sell”📉 The short term investing trap that can cost you📉 Ethical investing, ESG, and the greenwashing grey zone📉 Why finance TikTok is not your research strategy… and what should be insteadCHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.SHARESIES CODE: Sign up for the investing platform Sharesies, use the code SOTM10 and deposit any amount and Sharesies will give you a bonus $10 to invest.  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 - 451289See omnystudio.com/listener for privacy information.

Anonymous Money Diarist, an early-career teacher and retail investor who built a diversified ~$100k share portfolio, shares her decade-long investing journey. She explains shifting from stock tips to ETFs, using dollar-cost averaging and automation, balancing mortgage/offset savings with investing, and why recurring orders became her best habit. Short, practical, and relatable investing stories.

They unpack the HECS regret spiral and whether that student debt really derails home buying. They explain what lenders care about and when paying extra on HECS is practical versus anxiety-driven. They tackle a workplace money dilemma about repeated unpaid lunch shouts and how to set clear financial boundaries with colleagues. Plus quick community money wins and cheap everyday hacks.

Practical tips for reworking your budget to cover all solo costs and avoid the singles tax. Concrete ideas to cut housing and grocery bills without sacrificing lifestyle. Strategies for building emergency funds, sinking funds and income streams while single. Guidance on making super, insurance and investing work when you carry finances solo.