The dentist can be spenny, but necessary. So what happens when you can’t afford an appointment? And what if your treatment is kinda important or worse… urgent?

This week on Friday Drinks, we discuss a Money Dilemma that questions whether we can ever really afford to miss health-related appointments when we’re in debt.

We also answer a DM that’s all about diversification and whether buying diversified ETFs is enough. If you’ve been afraid to ask the question or considering how to diversify your portfolio, this episode’s for you.

New here? Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA our zero-judgement support network for money tips. Ask questions, share rec’s, and celebrate your wins with a like-minded community of 300,000+.

And follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you.

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com)

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 - 4451289

See omnystudio.com/listener for privacy information.

Spoiler: ETFs aren’t that deep. So why are so many of us (okay, you) still so intimidated by them when it comes to investing? On this week’s Deep Dive, Bec and Victoria cover the acronym that’s causing a stir in our comments section.

Exchange Traded Funds or ETFs are just one of the ways that many Aussies are investing, and for good reason too. They’re a bundle of shares that give you some healthy exposure to a range of companies, industries and asset classes that you mightn't have otherwise.

In this episode, we’ll cover what ETFs are, how they work, and why they’re such a compelling investment option. Thanks to our episode partners Sharesies, we’ll show you how to get started on their platform, as well as which ETFs have risen in popularity in recent times (and why!).

From percentages to performance, common mistakes and money tips, learn how to make your money work harder for you with ETFs.

CHECK 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.

NEW HERE? Join our Facebook Group (Search for: ShesontheMoneyAUS) 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 @shesonthemoneyaus 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 - 4451289

See omnystudio.com/listener for privacy information.

This week’s Money Diary is one of those “wait… this is actually so relatable” conversations. She’s a newly admitted lawyer who spent years living paycheck to paycheck while studying, prioritising travel over investing and genuinely having no idea what an ETF even was.

Fast forward a few years and life suddenly got very expensive, very quickly.

An apartment. A wedding. A honeymoon. Another holiday. A puppy. Moving costs. Furniture. And somewhere in the middle of all of that, she and her husband had the slightly nauseating realisation that they’d spent hundreds of thousands of dollars in a year… without really stopping to think about where any of it was actually going. And honestly? I think a lot of people will see themselves in this one. We talk about the pressure to buy property because everyone else is doing it, the reality of owning an apartment with brutal body corporate fees, lifestyle creep, ADHD hyper-fixation becoming an unexpected budgeting superpower, and what happened when she finally sat down and looked at her finances properly.

Now she’s investing 40% of her income, building a portfolio she actually understands, and rethinking what financial security is supposed to look like in the first place. This one feels a little bit like a group chat with your financially self-aware friends. Slightly chaotic. Slightly confronting. But in the best way.

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 - 4451289

See omnystudio.com/listener for privacy information.

Okay… this one still feels a bit surreal to say out loud. Right after the federal budget dropped, I sat down with Australia’s Prime Minister, Anthony Albanese, and Finance Minister Katy Gallagher to ask the questions our She’s on the Money community actually wants answered. We covered a lot.

We spoke about housing affordability, negative gearing, capital gains tax changes, childcare costs, women’s health, paid parental leave, fuel prices, the gender pay gap and what the government is actually doing about the cost of living pressure Australians are feeling right now. We also had a really honest conversation about why the government changed its position on negative gearing, and whether politicians genuinely understand how financially stretched people are feeling.

But because this is still She’s on the Money… things also went slightly off the rails. We somehow ended up talking about ChatGPT, Bluey, subscription creep, the Met Gala, free McDonald’s burgers, sourdough, single people being forgotten by the system, and the Prime Minister’s thoughts on Sabrina Carpenter’s outfit choices. Which, to be fair, was not where I expected budget week to go.

If you’ve been trying to make sense of what just happened in Canberra, this is the budget breakdown you actually want to hear.

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.

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 whether Australians are genuinely better off after this budget.

Across this bonus episode, I speak with Housing Minister Clare O'Neil, Social Services Minister Tanya Plibersek, Infrastructure Minister Catherine King, Climate Change and Energy Minister Chris Bowen and Independent MP Monique Ryan about what this budget actually means for Australians trying to buy homes, leave violent relationships, pay power bills, raise kids and build financial security in an economy that feels increasingly hard to keep up with.

We also get into the politics behind negative gearing reform, whether the government has gone far enough on housing, why childcare still feels impossible for so many women, and what politicians really think when Australians say their paychecks simply aren’t stretching anymore.

Some of their answers genuinely surprised me.

Hi friend, we’re She’s on the Money, an Australian finance podcast here to help you feel more confident with your money. From understanding your money story, to actually sticking to a budget, to starting to build wealth in a way that feels doable. We’ve got hundreds of hours of podcast episodes and loads of free resources to help you get started.

Some links to get you on your way:
https://bio.site/shesonthemoney

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, AFL - 451289. See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

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 what feels like a small mortgage repayment.

They also get into the political backlash surrounding the budget, why the government changed its position on housing tax reform, whether Canberra is disconnected from how tough things feel financially right now, and what Treasurer Chalmers says Australians fundamentally misunderstand about the federal budget.

There’s also unexpected chat about ChatGPT, air fryers, pocket money, coffee machines, influencers, and what it actually feels like to hand down a budget while the internet calls you “The Jim Reaper.”

If you’ve been trying to make sense of what just happened in Canberra, this is the budget breakdown you actually want to hear.

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.

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? This week’s DM comes from a listener who stumbled across something they wish they hadn’t… their boyfriend’s secret $40k credit card debt. We tackle the question of confronting a partner when they’ve hidden something from you.

Whether you’ve done the snooping or you’re the one in debt, this episode is all about tackling financial hurdles as a couple, one conversation at a time.

PAY IT DOWN: Debt doesn’t have to rule your life. Here’s a playlist dedicated to paying it down.
(https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=IiGL0k__TQinry6vjofVeA)

WANT VICTORIA’S BUDGETING SYSTEM?: Master your money here (shesonthemoney.com/the-money-masterclass)

NEW HERE? Join our Facebook Group (Search for: ShesontheMoneyAUS) 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 @shesonthemoneyaus 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 (queenacknowledgements.com)

See omnystudio.com/listener for privacy information.

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 Medical Director at Newlife IVF has helped people to conceive and grow families for the last 20 years. Naturally, we pitched her all of your spicy DMs about financing your fertility journey, covering costs, rebates and whether you can tap into your super to fund it all.

From payment options to insurances and the difference between various treatments, tune-in for an in-depth discussion about the economics of fertility with Newlife IVF.

CW: During this episode we discuss pregnancy and fertility; topics that some of our listeners might find confronting or triggering. If this is true for you, we recommend skipping the episode until you’re ready to return to it, or simply tuning in for next week’s Deep Dive. Please do what feels right for you.

BUDGETING FOR BIGGER THINGS? Yoink. Please swipe our free downloadable budgets over at shesonthemoney.com/download-resources and bring your goals that much closer.
Join our Facebook Group (Search for: ShesontheMoneyAUS) 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+.
Follow us on Instagram @shesonthemoneyaus 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 (queenacknowledgements.com)
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.