She's on the Money

She's on the Money

by Victoria Devine

The ultimate millennial money guide, from the creator of Australia’s #1 finance podcast.

Through her phenomenally popular and award-winning podcast, She’s on the Money, Victoria Devine has built an empowered and supportive community of women finding their way to financial freedom.

Honest, relatable, non-judgemental and motivating, Victoria is a financial adviser who knows what millennial life is really like and where we can get stuck with money stuff. (Did someone say ‘Afterpay’…?) So, to help you hit your money goals without skimping on brunch, she’s put all her expert advice into this accessible guide that will set you up for a healthy and happy future.

Learn how to be more secure, independent and informed with your money – with clear steps on how to budget, clear debts, build savings, start investing, buy property and much more. And along with all the practical information, Victoria will guide you through the sometimes-tricky psychology surrounding money so you can establish the values, habits and confidence that will help you build your wealth long-term.

Just like the podcast, the book is full of real-life money stories from members of the She’s on the Money community who candidly share their experiences, wins and lessons learned to inspire others to turn their stories around, too. And with templates and activities throughout, plus a twelve-month plan to get you started, you can immediately put Victoria’s recommendations into action in your own life.

You are not alone on your financial journey, and with the money principles in this book you’ll go further than you ever thought possible.

Genres: Nonfiction, Finance, Self Help, Audiobook, Money, Personal Finance, Business

Audible Audio

Published June 16, 2021

Reviews

[Ally · Rating 1 out of 5]

Really disappointed that this book reads like a poor knock off of the Barefoot Investor. Not worth the read or money.

[Rebecca Forrest · Rating 5 out of 5]

I really want to preface this by saying that this book is most definitely for someone who is just starting their journey to financial literacy. I’m a long time listener of the podcast and I’d say that this is a consolidated effort of those episodes.

With the newbie in mind - this book is perfect in that the concepts, content and language is super friendly. Victoria connects well with the millennial audience by being relatable and not imposing any unrealistic views or standards that feel out of reach.

I found it hard to connect with other financial texts like the barefoot investor, and Mary Holm’s ‘rich enough’. I can see how some readers may have found this read underwhelming but I think it’s important to keep in mind that this is specifically intended to be accessible. I enjoyed it and would recommend to someone who is starting out :)

[Romany · Rating 2 out of 5]

This is like the Barefoot Investor for girls. Content and approach very similar, with added references to baby making and your Vogue subscription. There is NOTHING critical or anti capitalist about this publication. Absolutely supports the status quo.

[Sarah James · Rating 1 out of 5]

Terrible. Really disappointing. Just another way for Victoria to make money off vulnerable people with super basic, condescending 'advice'.

[Dayna Fimmano · Rating 3 out of 5]

I don’t think this book is like the Barefoot Investor at all.
First of all, Victoria doesn’t recommend date nights, clearly not something Scott Pape would agree with!
Secondly, if you’re writing a book about general finance, you’re going to run into some common themes to the Barefoot Investor, so it’s a cheap shot to say that this is a copied version.
While I think Barefoot goes a little more in depth to some things (e.g. how to read super PDSs), Victoria has written a great generalised how-to guide.
Thirdly, I think her psych undertones are a different vibe from Barefoot too, and it’s very empowering for her to put some things in your hands rather than straight up tell you what to do. She helps you understand your ‘money personality’ and values a little more.
Lastly, the readability of this text is just awesome (particularly as a female!), coming from one who has already read Barefoot multiple times and listened to enough of the podcast to grasp most of the concepts prior to reading the book, it was still enjoyable! There is always something new to learn.

[Jennifer · Rating 3 out of 5]

As someone who budgets, invests and is already committed to achieving financial independence this book contributed nothing useful for me.
Perhaps I would recommend it for women who are completely new to finance, but then again I found her information rather general.
The author's tone could be described as 're-assuring', 'encouraging' and 'gentle' but could also be interpreted as annoying and condescending... Her audience appears to be an under-educated, timid woman.
I also found the author came across as quite biased on a number of occasions. For example, her description of cryptocurrency reads as a 'DO NOT EVER BUY' warning as opposed to a balanced understanding that, whilst risky, it could indeed be a wise investment.
Nevertheless, I read this book very quickly as it was easy to read and I am interested in the topic.

[Hannah · Rating 5 out of 5]

I’m not sure what people are talking about, I found the bare foot investor not applicable to me (maybe because I’m in my early 20s) but this book was so helpful!

I particularly loved the activities throughout, and the fact that you get a full plan on what to do.

[Elizabeth · Rating 5 out of 5]

Highly recommend! This book is essential for any one who feels unsure about how they manage money, or just wants some reassurance that they're on the right track. As someone who never knew where to start with managing money beyond the simple stuff, like pay bills and save, I truly valued the honesty and tools this book gives its readers. It is a relatable and easy to understand guide on all the tools you need to start a financial journey.

There are obviously other books on the market with similar information, but Victoria Devine has written a book designed for young women, taking their needs and life experience into account. It is not a deep dive into investing or insurance, etc, but nor should it be! To me this book is the starting point, not the end point.

[Elle Pollock · Rating 4 out of 5]

I have had the book sitting on my shelf and have avoided reading it for a long time. A helpful read to understanding the many different areas of finances for different stages of life. I found each chapter interesting especially for areas I’m not familiar with and may be more complex. A great overview book for anyone starting out and wanting to educate themselves on how to start on their journey to financial freedom.
*Audiobook

[Bookmarked ByLisa · Rating 5 out of 5]

This Book was devine just like Victoria. The way she explains steps in this book makes it easy to read and more importantly, easy to follow. Victoria provides relevant and up to date knowledge and how it effects not just millennial woman but most women. This is looked at from all stages of life first job, education, career progression, investment, super you name it. Unfortunately like many of these financial guides it does not cater for single mothers covering all expenses but given its often a unique situation that it's understandable that there's not much information out there to help us. This book though does provide me with great tips on how best to set myself up for some financial success. This is now a go to book that comes to me with 3 other books to my fortnightly life review sessions, they others are both the barefoot investor books and life admin Hacks. Making my life much more easier.

[Alisha Henderson · Rating 2 out of 5]

Worth the $32 as I did take a couple of things away from it but unfortunately it fell short of expectations. Much preferred barefoot. This may be better for younger audiences. If I had read this 10 years ago I may have enjoyed it more.

[Imogen Henderson · Rating 5 out of 5]

I found this to be very helpful and easy to understand - I was worried that I would feel dumb or stressed out but this wasn’t the case!! Shout out to Jordan for the rec

[Electrafun · Rating 1 out of 5]

The Fresh Queen of Finance

NOWW, this is a story all about how
I talked some shit finance high-brow
And I’d like to take a minute 
Just sit right there
I’ll tell you how I became the queen upon the Forbes sub thirtayy

Innnnnn south east of Melbourne I was born and raised
On Instagram is where I spend most of my days
Trollin, deletin finfluencing all cool
Cosmaceuticals commission a pretty jewel 
When a coupl-a listeners they were up to no good
Started making trouble in my neighbourhood
I got in finfluencer trouble,  n’ my lawyer got scared
They said ‘You’re moving into hot water no transparency and no care’

I begged and deleted the terms day after day
But we reframed it as legal share agreement
I removed the member, and she got really shitty
I got back in my zone and said, ‘that is so special!’

First class, yo this is bad
Drinking Friday drinks out of a champagne glass
It this what finfluencers be livin like?
Hmmm this might be alright.

But wait I’m super prissy, bougie, all that
Is Forbes the type of place they send this cool cat?
I don’t think so
I’ll see in this chance
I hope they’re prepared for the Queen of Finance

Well uh, the mag landed and when it got out
There were people posting with criticism to call my name out
I ain’t trying to get famous yet
Not truthfully
I delete with the quickness light lightening, disappeared

:)
I’ll get cease and desist and when it comes here
The letter of threat will be a meme for your mirror
If anything I can say that you’ll never find me
And you won’t forget it, oh no, hell yeah

You’ll hide in M3 to delete and negate
I’ve quit your crap group, yo homes, smell ya later
I look at my income
I am finally there
Integrity, and my parody with Bel Air

[Siobhan Legge]

I have worked my way through this over the past month and can’t understand how people are saying it’s the same as BFI? This book doesn’t use percentages (something that BFI focused heavily on) and I don’t remember the “Cash Hub” being used on BFI.

I have always had separate accounts for different things prior to reading BFI and SOTM but SOTM assisted me to narrow them down.

I also love that I was able to download a budget on the SOTM website.

My theory with finance books is that you don’t follow them to a tee and it’s about getting different tips and combining them all to do what is best for you.

[Amy · Rating 2 out of 5]

Some good entry level tips for young women who at the time of picking up the book have low financial literacy, however, I found the language around saving/budgeting restrictive and out of touch with the authors social media content.

I also feel the damage goes deeper as Victoria acknowledges how social media creates unrealistic expectations of what we should have and want and then yet adds to that narrative in her own profile - which is almost entirely pets, Uber eats and take away coffees (which to my eyes were painted as expensive/unnecessary at the beginning of the book.

[Christina · Rating 2 out of 5]

Nothing new here. Just rehashed and over hyped.

[Abby · Rating 5 out of 5]

I’ve been listening to the Shes on the Money Podcast for a couple of years and love it! Victoria is a breath of fresh air, she makes investing and financial literacy super interesting, fun and dare I say sexy?
I loved this book way more than Barefoot Investor because it wasn’t so much as pushy as it was empowering!
I’m keen to adopt some better money habits and set myself up for financial freedom. Definitely gifting this book to someone!!

[Bella · Rating 5 out of 5]

Loved this 10/10 recommend for anyone whose wanting to look into understanding finances

[Rachael · Rating 5 out of 5]

This book is an excellent introduction to the world of finance, tax and investments for young people. It is a beginners guide, and breaks down a lot of concepts in a simple and easy to follow manner (even though I had to reread several sections to understand the finance jargon!) Great for couples, singles and even those starting a family.

Some sections are a bit repetitive or irrelevant if you are a business owner or possibly a government employee who can’t choose a super fund… so I recommend reading only the chapters that are relevant to you. After reading it, I feel highly motivated to stop my careless spending and save some $$$. And in 2 weeks I’ve saved a substantial amount through conscious spending, and restructuring my accounts! If you have debt or are struggling to save, this is for you!

[Mary · Rating 5 out of 5]

I really enjoyed this book. It had a lot of useful information and I liked how it broke everything down into easy to read segments. The family planning chapter was really eye opening as I had no idea children were so expensive! I throughly enjoyed the savings and investing chapters and have action items after reading this book. A very good introduction to finance!

[Victoria Quaini · Rating 4 out of 5]

Well targeted to young women with relevant advice for people in various financial positions. I also liked how the author included “tasks”, per say, throughout the book for reflection and financial planning.

[Sibel Er · Rating 2 out of 5]

Very average- written in a cringeworthy tone. Follows the exact format of barefoot with a teen girl flare.

[Ash🩷 · Rating 2 out of 5]

Makes more sense now rather than when I was 18 tbh

[Mon · Rating 2 out of 5]

She lost a star because of that comment about ordering a side of halloumi with brunch. Get fucked

[Jesse Plunkett · Rating 4 out of 5]

Loved this book! I’ve always wanted to be more financially savvy and I felt that this was a great read for someone trying to dip their toes into the big world of finance or beginning their journey to look after their money (and themselves!) better like me. I definitely know I will be going back to reread some parts again and again.

I only gave it 4 stars because I felt that there was an element of the book that made it seem like having everything described is almost unachievable or will literally take me until retirement to get there if nothing bad ever happens in my life. From the multiple types of insurances I’m supposed to have, 6 different bank accounts, an investment property and shares? And then also thinking about the growth of my super. ITS A LOT. Maybe I’ve always been naive thus far about all the highs and lows of having money, and didn’t know this is what everyone thinks about all the time. But my anxieties have anxieties now!!

However, I don’t want to let my own feelings take away the shine of how great this book was for someone like me! Even though I might stay up late at night now thinking about whether or not I should start up a side hustle to get me to financial freedom sooner, I am grateful for this book and how it has expanded my mind!

[erinsbookcase · Rating 4 out of 5]

Last year, after finishing my A-levels, I came to the realisation I knew very little about finances, money and the inner workings of the economy. I don’t blame myself for my lack of knowledge because school conditions you to solely focus on your studies, whilst providing you with zero information on the real world. Thus, I knew I’d have to take things into my own hands. I needed something that wasn’t written in extravagant terminology and something I could connect to as a young female. She’s On The Money ticked all those boxes. I was even able to borrow it from my local library and listen to parts of it on spotify audio books, so I didn’t have to spend a penny. It was laid out logically; summarising key points at the end of each chapter and offering concise and clear steps to success. I really like Victoria Devine’s approach to financial education too, not just teaching us about it but also considering the psychology behind certain money choices. The addition of other people’s stories were a really encouraging aspect too. It is based on Australian principles, so I did struggle to relate to certain points but I was still able to apply the concepts and access the resources signposted. It was the perfect balance between simplicity and value, such an empowering resource for women.

Also, little tip! I read this digitally which meant I was able to highlight and search certain words to help solidify my learning!

[Logan Sharrock · Rating 3 out of 5]

Good just to read a bit more about all things involving finance even when some of it isn’t as relevant to me right now. Makes me want to focus more on ensuring I can set myself up for a good future. Didn’t love the way she wrote like she was trying to be one of your besties, you’re writing about finance just be serious please. One benefit from this was that it made it really easy to read and understand, thank god. I think this will be good to look back on in different stages of my life.

[Courtney Protopopoff · Rating 4 out of 5]

3.5 stars ✨

I think this would be a really great book if you’re in your mid to late twenties and yet to really dive into budgeting/ home loans and/ or investing. I’m not quite the target audience but still thought it was a really good tool to set people up to set goals, save, purchase property, understand investing, think about retirement and how to protect your assets.

[Martina Ferrara · Rating 3 out of 5]

Gives really good advices but some chapters are tailored to people in specific stages of their lives ( marriage, retirement etc) which isn’t a negative point but just made me finish the book quicker. Some of the elements and advices are quite common knowledge but I still felt like I learnt, worth buying if you’re feeling a bit lost in terms of money and saving!

[Hannah LiRosi · Rating 4 out of 5]

It’s the hashtag girl boss version of the barefoot investor, which I’ve already read. However is a more modern take. A few things I already knew but had some good tips re shares and super that I will look at in my own life.