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 careers. Another baby. A mortgage. A massive amount of imposter syndrome. But somewhere in the middle of all of that, she met a leader who saw something in her before she could fully see it herself… and everything started to shift. Now she’s 33, earning $140k in HR with no degree, investing for the first time, raising two kids, navigating a very real mortgage, and trying to work out how anyone affords dining chairs without having a small emotional breakdown. This conversation felt really honest. Not in a “perfect with money” way. More in a “figuring it out while life is happening” kind of 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.

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.

Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now

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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

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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 how taking stress leave might affect your insurances and what to consider before submitting your request.

Say it with me: you cannot call yourself a financial adviser if you do not have a license (an AFSL). In this episode, we answer a DM that sends up more red flags than a carnival. A community member asks if she should take advice from an unlicensed financial adviser, even if it’s free. Hear us *calmly* explain why unsolicited advice is illegal, and could actually end up costing you more. Besties don’t let besties get scammed.

WHO THE HELL IS HAMISH? Here’s a link to the series about a super-scammer, mentioned on the pod, where an unfortunate number of innocent people were scammed out of their super. The moral of the story? It could happen to anyone! Don’t let that be you.

SUSS OUT YOUR COVERAGE Our partners at Skye Wealth are personal insurance pros. Learn more about them over here at skye.com.au. As long standing referral partners, we only ever recommend people we trust.

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

See omnystudio.com/listener for privacy information.

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 appointments, budget considerations and just how important it is to read your contracts. We’ll hear about the loan application process, fixed-price building costs, as well as what is (and isn’t) included along the way.

If you’ve ever wondered about the benefits of building versus buying, why it pays to have a broker, or simply want to know what you should know before you start, this episode is for you.

GET YOU A MORTGAGE BROKER: Whether you’re applying for a land or building loan, having a broker on your team makes all the difference. Chat to the friendly team at Zella, who’ll act as your loan liaison. Visit zella.com.au for more information.

BEFORE YOU BUILD, BUDGET: Scope creep? We don’t know her. Manage every step of your own building journey with free templates at shesonthemoney.com/download-resources.

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.