Victoria Devine
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 l...
Author
Victoria Devine
Category
Podcast website
Latest episode
Jul 9, 2026
Where to listen?
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Episodes
“Can I Actually Afford My Life Right Now?” We Put Australia’s Ministers In The Hot Seat 15.05.2026 1:14:30
Right after the federal budget dropped, I sat down with some of Australia’s most powerful ministers and political voices to ask the questions our community actually cares about. Not the polished political talking points… the real stuff. Housing affordability, childcare costs, rising bills, negative gearing, fuel prices, domestic violence support, women’s financial security and w...
Negative Gearing Is Dead, Unless You’re Already In. Jim Chalmers Explains Why Young Australians Miss Out 15.05.2026 16:44
The federal budget has dropped… and Australians have opinions. So Victoria sat down with Australia’s Treasurer, Jim Chalmers, immediately after the budget announcement to ask the questions everyone actually wants answered. From negative gearing and capital gains tax changes to the cost of living crisis, fuel prices, housing affordability, tax cuts and why blueberries suddenly cost wha...
My Boyfriend’s Secret Debt + Should We Use Our Savings to Pay Off His Business Debt? 14.05.2026 35:42
Sometimes being nosey pays off. Other times, it reveals that your partner hasn’t paid off their $40k credit card debt. Stressy and a little scandalous, this week’s episode of Friday Drinks covers a Money Dilemma about whether a listener should use their reno savings to help pay off her partner’s business debt. All $140,000 of it. And, is debt worse if it’s a secret? T...
The Costs of IVF: Financing Your Fertility Journey 12.05.2026 1:01:04
This episode is what happens when financial planning and family planning have a baby. Why is it that egg-freezing and IVF feel like buzzwords; distant things that are only relevant once we (or the people we care about) start to consider the options? This changes now. Joining us on this week’s Deep Dive is sought-after fertility specialist and friend of the pod, Doctor Nicole Hope. The Medica...
BONUS: The 2026 Federal Budget Explained Without The Boring Bits 12.05.2026 1:09:33
The federal budget officially dropped at 7:30pm tonight, but we recorded this episode from inside Budget Lock-Up BEFORE the rest of the country got their hands on it. At 6pm, while the internet was still speculating and journalists were speed-reading hundreds of pages of announcements and fine print, we sat down inside Parliament House to unpack the headlines we think actually matter to our commun...
Dropped Out of Uni Three Times… and Now Earns $140K Without a Degree 10.05.2026 36:11
Have you ever thought, “maybe I’ve missed my chance.” This weeks diarist started uni three separate times and dropped out every single one. Worked 50-hour weeks in retail management for minimum wage. Genuinely believed that without a degree, there was a limit to what she’d ever earn or achieve. Relatable. Then life happened. A baby. A relocation. A partner changing car...
Take It or Leave It: Could Taking Stress Leave Affect My Insurances? 07.05.2026 48:10
It’s all too familiar. Work has you burning you out. And even your manager has suggested that you take some time off. So, why does it still feel weird to accept the offer, especially when you’re desperate for a break? In this week’s Friday Drinks we cover that icky feeling some of us get around taking leave, even though it literally exists to be used. Beyond the stigma, we unpack...
Building The Dream: Jess Shares What She’s Learned (So Far) 05.05.2026 44:06
Manifesting home-ownership, but priced out of buying a house? Maybe building your own is the way to go. But where do you even begin? She’s on the Money’s Jessica Ricci joins Bec Syed on the Deep Dive couch to tell us everything she’s learned (so far) about her building journey. After recently going through the preconstruction phase, Jess shares updates around pre-build appointmen...
21, Investing Aggressively and Watching Everyone Else Spend Their Paycheck 03.05.2026 32:07
You know when you meet someone younger than you and think… oh. You’re doing money better than I was. That’s this week’s Money Diary. She’s 21, still at uni, working multiple jobs and quietly building a six-figure portfolio. Not loudly, not perfectly… just consistently. Working in luxury retail, she’s watching people her age spend entire pa...
'No Wedding Gifts Expected’... Then Why Do I Feel Guilty? 30.04.2026 34:50
Finding it hard to keep your cool when share prices are plummeting? Tap ‘play’ for instant relief from hasty portfolio decisions. In this week’s Friday Drinks, we’re reminding one wary investor of how it pays to stay level-headed when the sharemarket has you feeling off-kilter. If you too are wondering if you should sell your shares during an economic downturn, this episode...
The RBA: Who’s Calling the Shots and How it Affects Your Rates 28.04.2026 33:16
The cash rate. It’s up. It’s down. Honestly, it’s giving ‘chaos’ when it comes to our everyday spending. Almost as if the cash rate rules everything around us… In this week’s Deep Dive, we’re taking on the RBA; who they are, what they do, and how they call the shots when it comes to the cash rate. We’ll explain how often they meet, what...
From Debt and Divorce to Building Her Dream Home as a Single Mum 26.04.2026 36:35
She went from owing money to everyone… to building her dream home. This week’s Money Diary is a story about starting over. After having kids and going through a separation, she found herself navigating life as a single mum on one income, with the kind of financial pressure that leaves no room for error. But instead of staying stuck, she rebuilt. New mindset, new boundaries, and a comp...
Is It Lifestyle Creep… or Is Life Just Getting More Expensive? 23.04.2026 30:33
Be honest… are you actually spending more, or does it just feel that way? In this week’s Friday Drinks, we’re unpacking the very real confusion between lifestyle creep and the rising cost of literally everything. If you’ve looked at your bank account lately and thought “how am I spending this much when I’m not even doing anything outrageous?”… this...
Should I Be Worried About My Money Right Now? What Global Uncertainty Actually Means for Your Portfolio 21.04.2026 46:48
If you’ve opened your investing app lately and immediately closed it again… this one’s for you. The share market has been all over the place, headlines are talking about global uncertainty, and it’s very easy to feel like you should be doing something with your investments or your superannuation right now. So let’s talk about it. Victoria and Bec break down what&rsqu...
I Fell Pregnant at 30… While Single and Working 70-Hour Weeks 19.04.2026 31:14
This week’s Money Diary is from a 31-year-old nurse who fell pregnant at 30… while single and working 70-hour weeks. At the time, money wasn’t the problem. She was earning well, picking up shifts, saying yes to everything and just getting on with life. But there wasn’t much structure behind it. It was busy, but not necessarily intentional. And then everything shifted. Not...
Salary Negotiation Gone Wrong + Are You Investing in the Same ETF Twice? 16.04.2026 36:53
This week’s Friday Drinks starts off fun… and ends in absolute chaos. Because what do you do when you get headhunted and try to negotiate your salary, only for it to completely backfire? Job offer gone. Pay rise denied. And now you’re stuck wondering if being honest at work just worked against you. We definitely had some opinions. As always, we also unpack a DM from someone in o...
Money hacks that actually make you cash (Real Ideas From Our Community) 14.04.2026 25:15
If you’ve been feeling like you need to make a bit more money right now… this episode is for you. This week, Jess and Bec are getting nosy (in the best way) and diving into the real side hustles our community is using to bring in extra cash. And not the usual “fill out surveys” kind of advice… actual, clever ideas that are working. From people turning small ideas in...
I Tried to Time the Market… But the Market Timed Me 12.04.2026 39:52
What actually happens when you start investing… and just figure it out as you go? In this week’s Investing Diary, we’re chatting to a Money Bee who has been on a full journey over the last four years. Blue chip stocks, trying to time the market, accidentally buying multiple ETFs that all hold the same companies… nothing has been off limits. It’s the kind of story th...
I Earn $280K… But I’m Completely Burnt Out and Trapped 09.04.2026 31:50
This week’s Friday Drinks is a little bit rogue… and we’re not mad about it. We’re diving into a money dilemma from someone earning a very impressive income… but feeling completely burnt out, overwhelmed, and stuck. Think multiple mortgages, a business, big financial commitments, and the very real question of “how do I change my life when everything depends on...
Trillions Wiped From the Share Market… What’s Actually Going On? 07.04.2026 29:21
If you’ve opened your phone this week and seen headlines about billions or even trillions being “wiped” from the share market… this episode is for you. Because yes, it sounds dramatic. And yes, it can feel a little bit scary. But also… it’s not exactly what you think is happening. In this week’s Deep Dive, we’re unpacking what’s actually goin...
I Was a Broke Single Mum with Bad Credit… Now I Own a Home and Invest 05.04.2026 48:58
What happens when you hit rock bottom with money… and decide to completely turn your life around? In this week’s Money Diary, we meet a She’s on the Money community member who left home at just 16, became a young single mum, and found herself living below the poverty line with no financial literacy, mounting debt and her power literally being cut off. Fast forward to today&helli...
Debt That Got Out of Control… Can You Fix It? 02.04.2026 30:17
It’s a Jess and Bec takeover this week (while V is still on mat leave… but don’t worry, she’s back very soon 👀). We kick things off with Jess sharing her money wins, because we love a little financial main character energy to start the episode. Then we get into a dilemma that feels a bit too real. What do you do when a debt has snowballed way beyond what you originally ow...
Travel Savings Hacks That Feel Illegal (But Aren’t) 31.03.2026 39:27
If you’ve ever looked at your bank account after booking a holiday and thought… “well, that was financially irresponsible” — this episode is for you. In this week’s Deep Dive, we’re talking all things travel and money. Because yes, you absolutely deserve to see the world… but ideally without coming home to financial chaos. We’re breaking down...
Made Redundant Twice… And Built a Profitable Business Anyway 29.03.2026 39:09
If you think being made redundant would completely derail your finances… this week’s Money Diary might change your mind. Our diarist is a 32-year-old mum of two who’s worked hard since childhood, built a strong corporate career… and then had her world flipped upside down. A serious injury, two redundancies in one year, and some very big financial decisions, all happening...
Should You Sell Shares for a House Deposit? (+ Buying Property With Family) 26.03.2026 32:50
V is back in the studio (and yes… she brought Cami along for a very cute cam(i?)o because apparently she couldn’t stay away). If you hear any cute baby noises throughout the episode, this time it isn't Bec! This week we’re getting into two questions that feel very “this could go really well… or really not.” First up, a dilemma we know so many of you are quietl...
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