She's On The Money

The guest is a young pharmacist and Money Diarist who achieved a remarkable $1.5 million property portfolio by 25. She started her career at 14, earning $8 an hour at McDonald's, and saved diligently to buy her first townhouse at 19. The conversation delves into her disciplined saving habits, prioritizing long-term goals over instant gratification, and leveraging home equity for further investments. She shares the importance of budgeting and the benefits of starting small, while also exploring future investments, including possibly owning a pharmacy.

Leah Bennett, a Proud Wiradjuri woman and expert in financial services, leads the First Nations Foundation, focusing on culturally informed financial literacy. In this discussion, she explores how historical context and institutional mistrust impact financial confidence for First Nations communities. Leah shares valuable insights on budgeting, setting boundaries with kinship obligations, and navigating the complexities of superannuation. She emphasizes the importance of tailored financial education and access to culturally safe support for empowering communities.

Delve into the world of crypto as the hosts dissect its allure and the thin line between investing and gambling. They tackle a listener's dilemma on what to do with extra cash after paying off a loan, offering a framework for saving versus investing based on personal goals. Learn about the persuasive power of crypto influencers and why caution is key in this volatile market. Plus, enjoy a roundup of community money wins, budget-friendly hacks, and plenty of laughs along the way!

Emma Edwards, founder of The Broke Generation, shares her transformative year-long no-shopping challenge that reshaped her financial habits and body image. She candidly discusses the emotional triggers of impulse spending and the influence of her 'fantasy self' on purchases. Emma reveals how the challenge reignited her creativity and sewing skills, allowing her to appreciate her wardrobe in new ways. With insights on mindful shopping and personal style, she offers listeners practical tips for their own no-buy journeys.

In this enlightening discussion, an anonymous Investing Diarist shares her transformational journey from skepticism to success in the investing world. Once believing it was a male-dominated sphere, she discovered finance content during lockdown that changed her perspective. Despite taking a two-year break from investing, her portfolio surprisingly grew by $20,000! She delves into her gradual shift from micro-investing to a diversified approach, highlights key investments like Wesfarmers, and emphasizes that anyone can succeed in investing with the right mindset.

Dive into the world of managed portfolios and discover what they really are, plus how they differ from DIY investing. The hosts tackle the chaotic challenge of navigating Black Friday sales, discussing intentional spending and budget-setting amidst the marketing frenzy. They also share community money wins, clever shopping hacks, and practical tips to maintain spending boundaries. Expect laughs, lessons, and insightful money dilemmas throughout!

Discover how small changes can significantly boost your superannuation balance over time. Learn about a $25 weekly habit that could lead to six-figure savings. Find out how adjusting your risk settings might double your balance and explore the potential government bonuses you might qualify for. Get the scoop on salary sacrificing and how even a slight difference in returns can add up to hundreds of thousands by retirement. Plus, tips on automating contributions for a brighter financial future!

This is the update you’ve all been waiting for… and a year later, she’s back to tell us what really went down. Last time we spoke, the separation was still fresh. Now the divorce is almost final, and everything that happened in between is the stuff every woman should know long before she ever needs to. We’re talking expectations versus reality, the loopholes no one warns you about, and the parts of the process that only make sense once you’re living them. She also shares the lessons she wishes she’d known sooner, how she’s navigating the big conversations with her kids, and the mindset shift that changed everything.LISTEN: To her first ep with us here. SEE OUR BUNDLE SALE FOR UP TO 30%: Where you can get Victoria's budgeting system & learn to invest.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 - 451289.See omnystudio.com/listener for privacy information.

Is borrowing money to invest a clever strategy or a risky gamble? Discover the ins and outs of margin loans and the potential pitfalls of margin calls that could derail your plans. As the Christmas gifting season approaches, tackle the stress of high-cost gift requests and the growing debate over gift cards versus personalized presents. The hosts share smart strategies like budget-setting and Secret Santa to help ease financial pressure while keeping the festive spirit alive.

Brooke Green, a disciplined retail investor, joins to share her practical approach to building an investment portfolio. She and Victoria discuss the surprisingly simple core-and-satellite strategy that fosters steady growth while allowing for exciting, riskier picks. They reveal how to avoid the common traps of trying to beat the market and stress the importance of a well-structured core to reduce investment stress. Brooke also shares a clever hack to fund her fun investments without dipping into her paycheck!