Is ethical investing as ethical as we think it is?

Is ethical investing all it’s cracked up to be? Well long story short, it is sometimes, but not always. So how do we avoid falling victim to ‘greenwashing’ and is there actually money to be made in this space? In today’s episode, we unveil it all. Love the pod but looking for a more hands on approach to your money? Look no further. Our budgeting & cashflow masterclass is the tool you need to help overhaul your finances for good. Join Victoria as she steps you through your budgeting and cashflow with all of the smarts and none of the intimidating jargon. PLUS, because you’re a SOTM listener, use the code POD50 and you’ll score $50 off the course. Head to our website here: https://www.shesonthemoney.courses/masterclass to find out more today! Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

MONEY DIARIES: 27 and not conforming

Today's money diarist has always felt a little different when it comes to setting and achieving financial goals, yearning for travel and adventure over buying a home and getting married. This weeks diary is definitely one to tune into. Have you been thinking of joining Victoria's budget and cash flow masterclass but just needed a little nudge to do so? Well here it is - a sweet sweet $50 off the course just for you. Use the code POD50 to get a cheeky $50 off. Head to this link to learn more: https://www.shesonthemoney.courses/masterclass Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

FRIDAY DRINKS: You get $50, and you get $50 EVERYBODY GET'S $50!*

This week in the world of She's on the Money we discussed dog rain coats, Ryan Jon's 10 favourite money wins from the community and we were joined by Royalty, or pal Dom Pym the co-founder of UP joined us and share the bants, give away FIVE THOUSAND DOLLARS TO OUR COMMUNITY and to share his money win of the week. Speaking of money wins.... this episode of Friday drinks was brought to you by our friends from UP, and they're giving you all a CHEEEEKY $10 in your account when you join UP. - check em out here http://up.com.au/shesonthemoney or just download the app from your app store and use the code 'SOTM'. Happy Friday friends. x *We shouldn't have to say it, but we're gonna anyway, everyone OBVIOUSLY does not get $50. Just those 100 lucky ducks who made Vicky D snorty laugh with their UP Money Request Memes. Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

Nice (salary) package

Salary packaging - what is it and is it right for you? Join V + G today as they get to the bottom of salary packaging, including the tax benefits, the Super benefits and the things you need to be mindful of. Haven't joined the SuperHero bandwagon yet? No worries at all friend, you can find them here: http://bit.ly/SuperheroxSOTM Want to join our FREE investing webinar? Find out more info here and secure your ticket now (limited tickets available!) https://event.webinarjam.com/channel/SuperHeroxSOTM Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

MONEY DIARIES: DJ Tigerlily

DJ Tigerlily is a boss! We love her and we guarantee by the end of the episode you will too. On this Money Diaries episode is speaks with Victoria Devine and Ryan Jon. Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

FRIDAY DRINKS: Inspiring women and expensive durries

This episode of Friday drinks was brought to you by our friends from UP. If you haven't heard of them, check them out here: https://up.com.au/shes-on-the-money/ and if you haven't joined them yet (why not?!) don't forget to use the sign-up code 'SOTM' to get a cheeky $10 in your account. Have a GOOD FRIDAY friends! Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.car

Introducing The Business Bible

The Business Bible is HERE. Join award-winning financial advisor/business owner Victoria Devine and broadcaster/content creator and consultant Ryan Jon as they walk us through the A-Z of starting and sustaining a successful business. Throughout this season, they’ll be covering off the do's and don’ts of running an impactful business with all of the wisdom and none of the waffly stuff. So if you’ve got a biz idea you’re ready to get off the ground but you’re unsure of where to start, then look no further friend - you’ll be a little Jeff Bezos before you know it.

Menstruating is hard. Period.

Periods. They’re something half of the population will have to deal with at some stage of their lives, but what do they actually cost and why do we have to spend money on them at all? Today the girls get into the nitty gritty, unpacking the price of periods, why sustainable options are a great call not only for our wallets but for the planet and we chat through the societal pressures that see women spending more on non-essentials items. BIG chat ahead!Big love to Modi Bodi, the superstar partners of today’s show. To get your hands on a pair of period undies, head to their website and use the code SOTM15 to score 15% off. We’ve tried them, and we can confirm they are fabulous.Keen to know more about why cleaning products are a dangerous waste of money? See Kin’s brilliant article here. Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

MONEY DIARIES: Generational Change

This week we had the absolute pleasure of talking to one of our community members who says her story is nothing impressive - which couldn't be further from the truth. She's changed her situation in a way many think isn't possible. Buckle in guys, this one made Victoria cry in the best of ways (and we left that part in despite her asking us to edit it out). Joining you on Money Diaries this week is Victoria Devine and Ryan Jon. Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

FRIDAY DRINKS: Victoria wrote a book

This weeks sickie was chucked by Jessica Ricci, but don't worry - we had Ginger Beer from our pals at Mateo's to keep the spirits high! Speaking of high.... this episode of Friday drinks was brought to you by our friends from UP. If you haven't heard of them, check them out here: https://up.com.au/shes-on-the-money/ and if you haven't joined them yet (why not?!) don't forget to use the sign-up code 'SOTM' to get a cheeky $10 in your account. Happy Friday friends! Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.car

How to buy a car (and also how not to!)

Cars are one of the largest purchases we will ever make in our lifetime, so how do we make sure we’re not spending too much or getting ourselves into bad debt in the process? Buckle up (teehee) because today’s episode is going to be one hell of a ride. (We promise there aren’t any car puns in the episode). This episode of She's on the Money was brought to you by our pals at Superhero who make investing more accessible, understandable and affordable - and you can start investing with as little as $5! Check them out here. Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.car

MONEY DIARIES: Lifestyle creeper

FRIDAY DRINKS: 50% of the team, 100% of the energy

Because we like to keep things fresh here at Shes on the Money, today the spotlight turns to G King and Jessica Ricci, who valiantly man the fort in the absence of actual financial advisors and accountants, Victoria and Ryan Jon as they both have putrid colds (it seems there’s a bit of sick going around the office). What did we get up to on the show? Well we chatted our favourite money wins from the community, we laughed about our own and to cap it all off we spoke about the lessons we’ve learned since working at SOTM HQ. Happy Friday to ya queens x Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

Oh Baby Baby (the cost of having a baby)

Today we chat babies and budgets, covering off just how much those little bundles of joy cost, including everything from pregnancy pilates to the price of the private versus public system. Plus in a special bonus just for you, in the second half of our show we sit down with the luminous Rebecca Pritchard, a financial advisor and mum who tracked every cent of her first pregnancy. Plus, Bec’s pregnant again and today she reveals exactly what she won’t be spending her money on this time round. Find Bec’s article, ‘What To Expense When You’re Expecting’ here. Joining you on this Wednesday’s episode is Victoria Devine, Georgia King AND soon to be mum of two! Rebecca Pritchard. Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter, the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

MONEY DIARIES: Student super saver with 60 grand

This week we had the pleasure of chatting to another one of our community babies who at just 20 years old has saved an impressive 60K! Joining you on Money Diaries this week is Victoria Devine and Ryan Jon. Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

FRIDAY DRINKS: Lucy's pottery classes

Friday's are the best, chuck out the rest! With a pink gin and soda in hand today we get on the phone with Lucy to discuss her pottery classes, we learn that Ryan can't change his own car tires and we missed G King endlessly due to a cold. As always we celebrate at least six money win's from the community and hear how one SOTM member's money win was Victoria's money loss. LET'S DO THIS FRIENDS! Joining you this week you've got Victoria Devine (standard), Ryan Jon and Jessica Ricci - Georgia King was an apology (a lame one at that.. she has a 'cold'). Heard the Black Tie Money win and want in on The Iconic link Jess mentioned? We gotcha. Click HERE for $20 off your first purchase. Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

Caution! Listen at your own risk (profile)

What is a risk profile and why does Victoria insist we know what's ours is before we invest? Today we reveal all. Plus, we unpack the relationship between risk and return and we break down the traits of each risk profile, so you can figure out exactly what yours is. Joining you this Wednesday is Victoria Devine and everybody’s favourite human, Georgia King. Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

MONEY DIARIES: The 7 year old investing legend

On this weeks money diary we chat to one of our country community members who's savvy 7 year old is helping the family make investment decisions, thanks to our friends at Superhero. You can check them out and all their greatness at https://www.superhero.com.au/?utm_source=SOTM&utm_medium=referral&utm_campaign=2021 Joining you on Money Diaries this week is Victoria Devine and Ryan Jon. Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.

FRIDAY DRINKS: Wedding rings and late night flings

Another Friday, another podcast party with your four faves (presumptuous?). Today we tackle the things that matter, like Georgia's hot deal on her trip to Daylesford and Jessica's parking WIN. Plus we hear Ryan Jon's top six-ish community wins from the week which certainly didn't disappoint, including a coffee grind hack and a neat eBay flippin' side hustler. So pour yourself something tasty and get into it angels! Joining you this week you’ve got Victoria Devine, Ryan Jon, Jessica Ricci and everybody’s favourite human, Georgia King. Do you love the podcast SICK and want more SOTM? Course ya do. Join our Facebook page to share your money wins and money confessions, follow us on Insta for daily inspo to keep you on track and DEFINITELY subscribe to our newsletter https://www.shesonthemoney.com.au/newsletter the written recap of the pod's key takeaways, including some bonus bits you won't want to miss. Finally, if you're in a money mess and need help untangling the muddle - we've got you sorted - simply record your question and send it through to us at podcast@shesonthemoney.com.au and you may just end up on the podcast! 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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.