DIY Investing vs Managed Portfolios: Which One Should You Choose? And How to Avoid a Black Friday Budget Blowout
If you’ve ever heard “managed portfolio” and thought… okay but what actually are they, this one’s for you. We break down what “managed” really means in practice, how they differ from your usual ETF mix, and the moments when outsourcing the mental load might make more sense than being your own fund manager. Then we get into a dilemma that had the whole office screaming: a partner who treats sales season like a competitive sport. The list is long, the logic is loose, and the budget is… trembling. We’re chatting values, boundaries, and how to keep your spending intentional when marketing is doing the absolute most. Plus your favourite money wins, broke tips, and a few chaotic detours along the way. Want to learn how to invest (or just get your money sorted)? Our Bundle Sale is live! Up to 30% off our most-loved courses and tools, to help you feel clear, confident, and in control. Check it out here. 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.
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Your Superannuation Glow-Up Part 2: The Small Add-Ons That Could Make You a Millionaire
We all want a bigger super balance… but how do you actually make that happen in real life? Part 1 in our Super Glow-Up series got your foundations sorted, but part 2 is all about small things you can do to turbocharge your growth. We’re talking simple, realistic changes that add up to massive long-term results, even when life is expensive and you’re just trying to get through the week.In this ep: 💸A $25-a-week habit that could snowball into 6 figures💸How a risk setting change could double your balance over time💸A government bonus you might already be eligible for💸The pre tax contribution hack that feels illegal (but isn’t)💸Why even a 1% return difference can mean hundreds of thousands to your retirementSEE: How small changes to your super can make a big difference to your balance with the Moneysmart Superannuation Calculator.LISTEN: Your Superannuation Glow-Up Part 1: The $0 Tweaks That Could Change Your Retirement 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.
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Money Diaries Update: What Really Happens in a Divorce Settlement (And Where She Ended Up)
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.
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Borrowing to Invest: Brilliant Move or Big Mistake? And How To Survive Christmas Gifting Season (Without Going Broke)
You’re ready to start investing… and then someone suggests borrowing money to make your portfolio grow faster. It sounds genius in theory, but is it actually a smart move? This week we’re unpacking the financial advice one community member received about doing just that, and Victoria breaks down how these loans really work, why the maths can be seductive, and the little thing called a “margin call” that can throw your whole plan into chaos.Then we switch gears into Christmas gifting season, which is currently giving drama. Someone asked for a $300 birthday present. Gift cards are in their controversial era. And half of you are quietly switching to Secret Santa because December is expensive enough already. If you’re feeling gifting guilt creeping in, this chat will help you set boundaries without losing your festive cheer.LISTEN: To the Money Diaries episode where she is Debt Recycling here or search She Left Her Husband With $12K and Two Suitcases... Now She’s Worth Six Figures.Thanks to OnePass for sponsoring todays episode! Nab your discounted membership here.*Want to learn how to invest (or just get your money sorted)? Our Bundle Sale is live! Up to 30% off our most-loved courses and tools, to help you feel clear, confident, and in control. Check it out here. 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.*OnePass T&Cs, exclusions apply. Offer ends 11.59pm AEDT 01 December 2025, $40 per year thereafter unless cancelled, offer not available to current members. Savings calculated on average delivery fees for eligible items or orders below minimum spend thresholds across participating brands Kmart, Target, Officeworks, Priceline and Bunnings Warehouse. 365 day change of mind returns to the participating OnePass retailer purchased from, along with receipt, already offered to all customers at Bunnings Warehouse. You may have additional rights under the Australian Consumer Law. See each participating brands’ website for further details. 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.
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Victoria & Brooke Reveal the Really Simple Framework Behind Their Investment Portfolios
Want the inside scoop on the seriously simple strategy behind Victoria and Brooke's investment portfolios? This ep is all about the framework they both use today, and Victoria used with her high-wealth clients when she was a financial advisor. They're breaking down exactly how to structure a portfolio that quietly builds wealth without the 3am panic checks, how to balance steady growth with the spicy picks that keep it interesting, and why trying to beat the market is probably costing you more than you think. Inside this ep:📈Why trying to pick winners is statistically a losing game... and what actually works instead📈The framework so simple, you'll wonder why you ever thought investing was hard📈How to know if something deserves a spot in your portfolio (or if you're just FOMO buying) 📈The hack Brooke uses to fund her fun picks without touching her paycheck📈The mistake that could be quietly draining your return and how to fix it fastIf you've ever looked at your investments and thought "is this actually a strategy or am I just... hoping?" this one's for you. Want to learn how to invest (or just get your money sorted)? Our Bundle Sale is live! Up to 30% off our most-loved courses and tools, to help you feel clear, confident, and in control. Check it out 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 - 451289.See omnystudio.com/listener for privacy information.
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-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat—just way better for your bank balance.
It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.
Canada - english