She's On The Money

Which one makes more money sense? Smashing down your mortgage faster, or putting that money to work in shares? This week’s Friday Drinks opens with one of the most divisive money questions we get, and Victoria gets very honest about how she approaches it in her own life. She walks through what she prioritises when building wealth, the maths she actually uses to make sure every dollar is working it's hardest for her, and why the answer that feels obvious, isn’t always the one that makes you richer. Then things get spicy. Like, properly spicy. A community member slid into our DMs convinced her late father-in-law’s partner is lying about his will and the real cost of the funeral. We unpack what really happens when someone dies without a will, where money goes first, how estates are handled, and what to do when your gut says something’s off but the situation is already emotionally loaded. And because it's Friday we’ve got all the usual fun and chaos you love to start the weekend the right.FURTHER LISTENING: What happens to your money when you die? WEDDING BUDGET: Get the SOTM wedding budget here.THE BEST SOTM FREEBIES: Your 2026 Fresh Start: Free Money Tools You’ll 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.

Practical ways to set up share market investing for children without tripping over tax rules. Clear comparisons of account types and trustee roles for minors. How choosing growth-focused ETFs over high-yield shares can reduce taxable distributions. A real worked example showing long-term compounding and why scary minor-tax rates often have minimal impact. Tips on teaching kids financial confidence alongside investing.

Laura Thompson, Gunditjmara co-founder with public health and community-led activism experience, and Sarah Sheridan, co-founder of a First Nations-led social enterprise focused on economic empowerment, discuss Clothing The Gaps and the Not A Date To Celebrate campaign. They talk about using fashion for social impact, public health framing of apparel, economic empowerment, running a purpose-led retailer, and concrete ways listeners can support the campaign.

Phil Thompson, CEO of Skye Wealth and personal insurance specialist, explains why income protection is the foundation of any money plan. He covers types of cover like life, TPD, trauma and income protection. Conversations include waiting and benefit periods, why default super cover can fall short, and how specialising makes advice more affordable and practical.

Worried about your parents' financial choices as they approach retirement? The hosts explore how to address money concerns without nagging. They also dive into a spicy wedding drama where a bridal party is grappling with unpaid accommodation costs. The discussion touches on fairness, responsibility, and the emotional fallout from unexpected expenses. Plus, tune in for community money wins and savvy hacks to stretch your budget further!

In this insightful discussion, guest Claire Walczak, an accredited family law specialist with over 13 years of experience, sheds light on critical financial issues in relationships. She reveals the often-overlooked consequences of assuming money will sort itself out and how this mindset predominantly affects women. Claire discusses the importance of binding financial agreements, debunks myths about property and superannuation, and emphasizes the significance of early financial behaviors. Listeners gain practical insights on safeguarding their finances while nurturing healthy relationships.

Marnie, a community member and Money Diarist, shares her transformative journey from being $60,000 in debt to financial stability. She reflects on her lack of financial education despite a comfortable upbringing and how impulsive spending led to her debt. Discover how she learned financial literacy through resources and overcame challenges, including her child's health crisis, by tapping into emergency funds for early intervention. Now, she's building savings, investing, and embracing an abundance mindset while advising others to take small steps towards financial freedom.

Dr. Lily Susman, a behavioural scientist and Chief Strategy Officer at WISER, shares insights on making saving money easier. She discusses how money taboos create shame and why understanding personal values is crucial for effective behavior change. Lily emphasizes the importance of self-compassion over self-criticism and advocates for small, manageable steps to bridge the gap between intentions and actions. Additionally, she highlights the role of financial health beyond just income and the need for products that support positive financial habits.

This week, the hosts tackle the tricky dynamics of paying on dates, exploring red flags like scorekeeping and awkward silences. They discuss practical ways to navigate bill-splitting and how money behaviors can reveal deeper issues of respect. The conversation then shifts to bridging loans, unpacking what they are, their risks, and essential factors to consider when buying before selling. With community insights on money wins and quirky broke tips, listeners get both valuable advice and a touch of humor.

Navigating the property market has become increasingly complex. Discover why the 5% deposit scheme is both a blessing and a curse. Learn how banks are changing their processes, with tougher assessments impacting approvals. Find out the common mistakes first-time buyers make before even starting their search. Get expert tips on avoiding panic-bidding and making well-informed decisions. Plus, explore strategies to reduce your mortgage life and whether to prioritize repayment or investing.