She's On The Money - You’re Doing Everything Right, So Why Do You Still Feel Behind? And The Pressure to Make Christmas Perfect

Episode Date: December 11, 2025

Some weeks it feels like you’re doing everything right with money… and still getting nowhere. If that’s been your energy lately, you’re not alone. This week we’re unpacking why that happens, what it means when your effort isn’t matching the outcome, and the practical ways to reset without throwing your whole plan in the bin. We also heard from someone in our community who’s feeling the annual Christmas tug-of-war: wanting to keep things simple and values-aligned, but also navigating grandparents who love a shopping spree and a partner who’s all in on the festive chaos. So we chat through how to set boundaries without being the Grinch, how to rethink “enough” at Christmas, and the small shifts that stop the season from steamrolling your sanity or your savings. Plus your money wins, unhinged broke-tips we never see coming, and the usual Friday fun to kick-off the weekend. 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.

My name is Natasha Bamblett, I'm a proud First Nations woman, and I'm here to acknowledge country. Hello beautiful friends. We gather on the lands of the Aboriginal people. we thank acknowledge and respect the aboriginal people's land that we're gathering on today take pleasure in all the land and respect all that you see she's on the money podcast acknowledges culture country community and connections bringing you the tools knowledge and resources for you to thrive she's on the money she's on the money Hello and welcome to She's on the Money, the podcast that makes personal finance fun, especially on Friday. It's our favorite day of the week because we get the team together and

we celebrate you, the incredible She's on the Money community. And yes, you're hearing right, it is Jess Rickey taking over today because poor Victoria is under the weather. I'm still going to be sharing all of our favorite money wins and confessions. And Bec, of course, will be sharing her best broke tips. We're going to be helping to answer a money dilemma, which is all about the relatable feeling of working hard, but not being able to get ahead. And something that you slid into our DMs about how to handle feeling anxious about Christmas consumerism. Okay. Hey, I get it. I get it.

And are they with you? It's just us again today. God, isn't it so nice? It feels like we just get to go rogue. I know. Sorry, no offense to VD if she's listening to this. I don't know why either because it's not as if she's the one that keeps us in line as me.

I know. But when she's not here, I'm like, woo! Yeah, totally. All bets are off. I know, seriously. We can do or say whatever we want. We can do a whole episode on Taylor Swift if you want. Don't tempt me with a good time.

instead of a Taylor Swift full-blown breakdown because we would be here for days we would should we do a five-star review please all righty this one is actually from Google and I wanted to remind you if you're not using Apple podcast that's totally fine we'll take your five-star reviews wherever we can get them that includes on Google this one came from Stephanie who said if you're not already listening to she's on the money what are you even doing with your life Victoria should 100% be our next prime minister imagine the budget actually making sense and being sassily explained to us with snacks beck is the voice in my head every time i think about impulse buying another plant do you really need it though and jess jess is pure sunshine in podcast form i feel

calmer just hearing her speak oh my god this podcast is like sitting down with your cleverest kindest friends who actually get the money stuff no judgment just real talk smart strategies and the occasional laugh so hard you snort moment. I've learned more from these women than I did in any education facility. Bless their budgeting souls. Oh my God. That's so sweet. Thank you so much. Oh, I feel all warm and fuzzy. That's so beautiful. Thank you. You do have a very calming way about you. Thank you so much. Yeah. Oh, that's really, really kind. That is so nice. Thank you so much, Stephanie. God, I love that bit. That's really fun. I will have to take over that forever now. Yes. I'm going to have to ask you every week, I think, because, oh, it's just so lovely

getting to hear what people say. Thank you. Thank you. I will say though, this next bit is also very fun. I'm really enjoying sitting in the driver's seat. I know. Don't get too comfortable. It's very natural on you. Thank you so much. But I've been loving doing the question because we have to do something a little off topic. Not so finance-y. Love it. So this week we have one from Rebecca who said what is your favorite thing to do at christmas time that doesn't cost anything oh i don't know if it's like because it probably does indirectly cost something in like petrol and stuff like that but something i do every single christmas yes and i force my family to do it is drive around or you can walk around and look at christmas lights and i make a map

i look at all like i google the best places you can find on tiktok the best places to visit no matter where you are in australia no matter where you are in the world yeah go on tiktok find the best places in your area in your city and either walk public transport drive if you have the means to if you are driving what i love to do is start from where i am and then on maps i'll find where every place is that i want to visit and then do like a loop and then also part of this tradition is getting a soft serve or getting an ice cream from servo and so it's very very it doesn't cost too much but it also doesn't have to cost anything if you're finding ways to like you know yeah you can bring a snack from home exactly it doesn't have to cost anything at all i love that i do

that every christmas and it is a necessity one of the things i'm so excited about is next christmas because my house will be built by then i'll be able to decorate my house with lights i aspire to be when i think of christmas lights in where i live there are some known houses it is like a full-scale production yes i aspire to be one of those houses oh my god one of them they even will come out and they will they have like a popcorn machine and they'll sell like cool one for a dollar or something to like fundraise i think to cover like the cost of electricity i don't know yes but it's like a whole thing which is so fun i love that that's so cool you know when when mr whippy is there you know you've got it you're in the right place um that sounds great

that's a great one i really love also kind of might cost you an ingredients but generally you have all of them in your pantry a gingerbread house yes or gingerbread cookies is one of my favorite traditions yes making them or you can pre-make them and have everyone come over and decorate them together i'm partial to a gingerbread cookie with a royal icing on top so not just like drawing the face but like flooding the whole thing and making a fun design if you're someone who likes to partake in a little baking moment that it tastes delicious but otherwise just doing your like your fun little outline designs like you traditionally wood is also really exciting and then i feel like the best bit is like the reward is at the end you

get to eat the cookies or the gingerbread house oh actually on the gingerbread house note so we do a christmas trip with our big group of friends every year and we'll buy this one you could bake them though so that it's free but we'll do a gingerbread house making competition oh my god usually in couples or partners everyone does it so you do that but then obviously not everybody is creatively inclined and that's okay so we then also do a structural integrity test of course at the end so once they're all built you know you judge you pick the winner whatever and then everyone like bangs on the table like yes yes and you see which one holds up the longest oh my god that's so everyone's got a chance to win yeah great so one most beautiful and one the most

structurally integral yes great idea very very love that that's a great question i'd love to hear what everybody else's favorite free yeah christmas traditions are leave them in the comments for us i'd love to have a look at them if victoria could also leave hers in the comments because I wonder what she would have answered. That's a great, I don't know. Maybe her handmade, homemade. Yeah, true, true, true. Like the Kris Kringle?

Yes, Kris Kringle. Yes. That's a really good one. Yeah, so true. I don't know. We'll have to ask her. We'll send her a text afterwards. Yeah, we'll send her a text.

But with that being said, I actually have lots of very fun money wins to share. Great. If I may. Please. Alrighty. So the first one that I have this week comes from Sarah who said,

she's found out her GP can now describe her daughter's ADHD medication. so she no longer has to pay 280 dollars every six months to get the script when she can just have it bulk build instead oh my god that's so good i feel like that's a game changer because there is such a big tax on people who adhd or all of our neurodiverse friends who have you know varying things that you need perhaps medications for it feels really unfair to me that you have to pay i know that we need it to be regulated and safe and that's very important but i also think it's not ideal that you have to pay to have access to the thing that you need to be

able to function more effectively. I agree. It's like, God, can we catch a break? We've got this thing. You're neurodiverse. Already the world's not made for you. And now you've got to spend so much money for the rest of your life. Yeah. It's like, God, God, can we have a little break? Literally, just a little piece of something, please. Yeah, totally. I love that. Next, I've got a money win from Bianca who said she stayed home all weekend again for the fourth weekend in a row. She did go to the gym yesterday and then afterwards bought three items at the supermarket. But staying away from the shops is working wonders for her bank account. Great. I bet at this time of year that's making a huge difference. Well done, Bianca. Next, I've got a

money win from Cerise who said, I recently lost a bit of weight and a lot of my clothes don't fit me anymore, but my sister just gave me three huge bin bags of her old clothes that she no longer wants and she has really good taste. Oh my God, sick. There's nothing more fun than when someone you know goes, oh, I've done a wardrobe clean out. Do you want to dig through? Totally. Absolutely, I do such a good feeling next I've got a money loss from Anita who said I bought an older model Dyson Air app but money win it was retailing at $899 and I got it for $671 I also think it's a money win because I've been and will continue to use it a couple of times a week good reminder when new tech comes out check the old tech you know new iPhone means old iPhones on sale all

that sort of thing new Tony box old Tony box that is so true the old ones just as good like just because it doesn't have the newest fanciest thing it doesn't mean it's not going to do the job especially at Christmas when we're shopping for gifts and stuff exactly a slightly older model is a great option next I've got a money win from Charlotte who said she did a click and collect from Coles for the first time in a long time and actually got $20 off of her shop she says she doesn't really know what it was from but it was a good win for the week beautiful and then I've also got one from Louisa who said, we needed to do some electrical work on our rental house and we were dreading the bill, but I realized I had a bucket for this and I'm now no longer completely

dreading it. Sick. Pays to be prepared. Absolutely. And then lastly this week, I've got a money win from Jackie who said, I got an Apple watch series 11 with points via my private health insurance. I've had enough points three months ago, but I was hopeful to get a brand new one for the same amount of points. Oh my God. That's great. How great. I didn't even know that was the thing. I know. I would love to know which private health insurance that is. Yes. Maybe I need to switch. Me too. Sounds like it. But that's it for me this week. Amazing. They all sound great. Okay. So I've got a few broke tips if you're ready and willing. Oh, please. I've never been more ready and willing. So this first one comes from Jess who says, my local, hey, your first

money win came from Beck. That's so weird. True. Wow. It's really, everything's lining up today. I love a little coincidence. So this question comes from Jess, who says, my local church op shop does fill a bag for $2 from their baby and kids clothes. Oh, my God. That's so good. That is so good. I've been going weekly and it's such a dopamine rush.

Plus, the kids are clothed on a budget. Once they've outgrown, I'll donate back. So it's basically a rental service, especially for my two-month-old who is growing rapidly. Oh, that's a really sweet way to approach it too, to donate it back. Totally. I really, really like that. That's genius. And I love that things aren't going to waste and you're not, you know,

partaking in fast fashion, which sometimes we got to and that's okay. I wish there were more places. I see this on TikTok of people in the US where you can go to like a Goodwill or one of their thrift stores and it'll be the same. It's like pay by weight. Like you just fill a bag for X amount of dollars per pound. I want that here. I know.

Because I feel like op shops are getting extremely pricey, especially for stuff like a lot of it's polyester and not great quality. Exactly. and guys op shop means opportunity shop it's for people who cannot afford you know so it's like we stop overpricing stop overpricing the next one comes from stephanie who says frozen spinach it's one dollar a pack it makes a cheap meal look more healthy by adding a bit of green which i totally agree with example chuck some in a pack of mac and cheese i bought half price that's so clever i mean it doesn't sound very appetizing but i think like spinach is actually kind of

delicious spinach disappears into whatever you put it into especially if you're blending it or like if it's hot and it shrivels where did it go like a whole bag of spinach is literally like a tablespoon by the time it's done totally and it's not like a super strong flavor like yeah you could really get away with just like adding so much more nutrition to your meal it's one of my preferred greens absolutely okay so my one this week is one that i loved from a christmas idea thread from last year but it's such a creative fun and cheap group gift activity grace says you can get some great books looking near new from the op shop for two to four dollars you wrap them in brown paper and write a vague description on the back and each person chooses the description they like the most

you can even do it for dirty santa or stealing santa or bad santa whatever you call it to make it even more fun as well so I think that's it's great and it's festive and if you're trying to not spend too much this year or if you just don't have the money to spend it's so funny the distinction between the two people like I'm trying not to spend and I'm like over here thinking I am not trying not to spend because I don't have to spend so if you're like me you don't have the money then this is actually a really good idea and you can just get a book from your own house yeah I love that it's blind date with the book like it's a surprise exactly it's really fun I think it's so clever. So that's me for this week. Beautiful. Really good wrap up. I love that

you got a festive one in there. I really appreciate your comment to the theme. I did try. Thank you so much. Let's go to a really quick break though. And when we come back, we're going to be helping to answer a money dilemma, all about the relatable feeling of working hard, but not being able to get ahead. And also chatting through the DM that you sent us this week, which was asking how to handle feeling anxious around Christmas consumerism. Don't go anywhere. welcome back everyone here's this week's money dilemma hi there have you got a money dilemma you just can't solve the she's on the money team is here to help every week we tackle your dilemmas both big and small to answer your most burning money

career and life questions to get involved simply head to our website and leave us a short voice recording and you might just find yourself on the show now let's take a listen to this week's money dilemma hi she's on the money my money dilemma is i'm 21 and only about six months ago gained any consciousness of financial literacy i thought i was fairly good with money pretty frugal good at saving but it turns out i've been saving like a child i only have a savings and a spending account my savings isn't very high interest and i'm so struggling right now like i'm at uni doing a full load. I'm working 18 hours a week paid, nine hours a week unpaid. I'm commuting nine hours a week, so the majority of my money has gone towards petrol. I want to move out within the next year

or so. Me and my partner are talking about moving overseas within the next couple of years. I desperately need a new car and I've just been sitting at about six grand for the last six months, six grand in total. I just feel like I'm drowning, even though I'm so very privileged and I have my family support and I live at home. I feel like I'm working so hard and I'm just not gaining anything. I'm just like barely staying afloat with no free days off. I don't know. I'm so lost. Yeah. Thank you so much for listening. Firstly, 21, you ain't got to worry about anything. But also I don't think, oh gosh, I have so many thoughts. Unpaid work. I understand like placement and stuff like that. And I understand that like some companies can't afford to hire

an extra person. I'm just like, there should be like government, I don't know, the unpaid stuff. I don't love it because some people do have the luxury of living at home and some people don't. And some people are living like paycheck to paycheck and to get by or to make it like through uni to kind of get ahead, to do more with your life. You're going to have to like, some people can just live at home and make it work. And some people have to support themselves. And I'm like, it's not very accessible to everyone. You know, it's just like, I don't really like the unpaid thing, but I'm sure there are reasons why, but I don't like it anyway. So I respect and I appreciate that you are in a situation where you are being seriously overworked, but I would say you have

money and savings. That's an incredible start. I understand like the urgency, you're probably feeling like, oh, I've wasted time or how do I get ahead if I'm literally just making it every single week. Also, all of my time is spent working either paid or unpaid. And you're probably pretty burnt out right now. And you probably hear this a lot from people who are older than you is that when I was your age, I had all these plans that just like didn't happen or whatever. And it's probably like, okay, that's not very helpful right now. You have this goal, which is to maybe move overseas maybe with your partner and let's just say for argument's sake that's going to happen but as someone who is 33 and who has been your age before and who has had many goals and kind of like

not achieved many of them or just things took a different turn I would say don't be hard on yourself if things don't go to plan or if things go to plan later on just don't be so hard so if you're very very young you're trying to make it through you're it sounds like you're doing everything right I'd say maybe like try and look into a high interest savings account right now but the urgency and the panic and the worry I can understand where it comes from but you're very very young you don't need to worry about that just try and I don't know the six thousand dollars sounds like incredible to me I'm like that's but I understand when you're like god I could have been doing so much more or whatever or like I thought I was doing great but you need x

amount and you'll say you're super to be on track and you know I could so I can understand that but $6,000 sounds incredible. I'd be like, I've made it. Yeah. I've well and truly made it, you know? My sweet baby angel, you are so far ahead of where I was at, at 21. Totally. Not to infantilize you, but you are very young. At 21, I was coming back from Greece, that infamous trip where I had like 27 cents in my bank account. Do you know what I mean? I couldn't buy a chocolate bar at the thing. Like you are having the financial literacy is such a huge, wonderful first step. And you have the benefit of time on your side. I know at that age, you really probably are finding your independence. That's what I was doing anyway. I was moving out of home. I was doing all those

sorts of things. And it is a bit of a shock to the system, really, when you get out into the real world and you're like, whoa, it costs money to breathe. Totally. But I would say exactly as what you were saying, Bec, don't push yourself to do something before you're ready financially. If you have the privilege of being at home, which it sounds like you do, use that to your advantage would be my advice live and budget as if you would living out of home and just enjoy the fact that you have that luxury without the actual pressure you know if you do need to replace your car if you do need to do something you've got that safety net of being at home I suppose but I would really focus on using this time to build up your emergency fund

build up your fund to save for a new car if you really need it all those sorts of things and also at the same time give yourself some grace because I think it sounds like when you're at uni doing what I'm assuming is a placement or an internship you know my partner did this and it is really taxing on you working or you know studying full-time working your paid hours working your unpaid hours commuting long distances it is a lot to take on And yes, throughout your adult life, there will be periods where you commit to so many things at once. Like I'm in a phase of life where it's kind of like that for me right now.

But I think that take advantage of what you've got and just understand that you don't have to do everything right now. You don't have to move out of home next year. You don't have to move overseas next year. It is so great to have the luxury of time to plan and to be able to do things at a pace that doesn't have to give you anxiety. that means that you can hopefully put yourself in a really solid position by getting your foundation all sorted out and then pursuing those things that you want to. Totally. And if it sounds

like you're burnt out, have a little break. Don't be hard on yourself. Life is so long. For those of us who are lucky enough to experience all of it, I know it's not long for everyone, but I think you're doing a great job. You're on the right track and just like, go easy, have a rest. I I completely agree. Should we jump into something a little more controversial? Yes, please. Alrighty. I've got a DM from the community this week and it goes a little something like this. Hey, she's on the money. I hate feeling like this, but I really struggle with Christmas. It just makes me so anxious. The consumerism, the waste, the pressure to keep up. It doesn't

align with my values at all. I've tried to do Christmas with less, but it kind of backfired. the grandparents went way overboard and I ended up crying on boxing day because they bought more for the kids than I did I felt like I'd failed as a mum I've tried bringing it up but always caused tension and when I zoom out I get it they want to spoil their grandkids because it makes them happy my partner loves Christmas and every time I try to rein it in he reminds me how upset I was that year I hate feeling like the Grinch and I'm so jealous of people who can just enjoy Christmas I'd love the community's advice on how to handle it this year ah that is a tough spot to be in it really is and it is so much more than just like because I understand like the anxiety

can come from like a lack of funds and other things like that sometimes or like maybe a lack of like even having community or connection around you that's those things are all completely valid but this is very like this is like an existential like values based yeah and I completely get that because I think when you really think about like where these toys come from, like is everything ethically sourced or like, it's just, it does seem like a big waste. I think that if you can't avoid it, there are two things I think, if you can try and explain to your family that you would like, if they're going to go overboard, try and find toys that are locally made, ethically sourced, ethically everything like try and find things that are like you know you can kind of feel a

little bit better about how it's made and how the impact on the environment and the impact on the world I guess and if you can kind of find peace there great the other end and I guess you can do this in both situations if they're just going to go overboard and you're not super comfortable with where these things are coming from what they're buying whether it's ethically sourced or ethically made the other alternative is to you know be very grateful for everything and all that kind of thing and then when the time is right donating all of those things to people who are way less advanced like you know some people are disadvantaged and they don't have the funds to buy these kind of toys for their own children and they don't have they don't have

access to all this kind of stuff so I think one hand it does feel very wasteful it feels very uncomfortable to see this all this plastic in the world but if you can use that to someone else's advantage and you can give that to the less fortunate and I don't I don't know why I always kind of hated saying it like that the less fortunate but like it feels like it's creating a divide I don't know yeah or even just like like oh poor you you know and like some people do feel that way but some people like hey I just don't have as much money as you do you know whatever and so you know people that can't afford those kind of gifts or those toys for their own children or those toys for the adults i love toys so you know it could be for anyone but yeah i think you

can't avoid it then making use of that and kind of like spreading that joy in other places would be another option yeah you know i totally agree i think that it is probably about communicating you know i understand why the grandparents i mean if i got told that my nephews were having a low by Christmas I probably be like oh I'll buy them more toys you know so I understand the quick like oh I want to spoil I want to love I want to nurture but raising with your family why you're taking this perspective like what your concerns with it are exactly as you said might be a really great way to find a middle ground in terms of finding things that are produced or doing you know Victoria's favorite handmade homemade secondhand totally like type of vibe the other

thing I would say is Christmas, there are a lot of opportunities to volunteer, to give back. And I feel like that is a really fantastic way to still enjoy the spirit of Christmas, depending on the age of your children. It also can be a really positive exercise in, you know, there is a lot of disparity in the world and, you know, not everybody is in the same position. So whether it's re-gifting additional things that you receive, like you said, or whether it's volunteering time, there's a lot of meal services that operate during that period you can volunteer wrapping gifts there's lots that you can do I think it is a really positive time to obviously when you can doing it year-round is really important but there are a lot of opportunities available for you to

participate during the holiday season and I think that's a really powerful message to teach your children it can be a family activity you can all go together to participate and do something to help out in your local community and that also I think I'm not saying you should volunteer to override feelings of guilt. But I think it sounds like a lot of your guilt is coming from feeling as though it's a wasteful period. And so maybe we can turn that wastefulness exactly as you were saying back into something positive and impactful and also a learning opportunity as well, which it might feel really good. It might open the door for you to do more of that throughout the year, which is also a fantastic thing. But also it is a middle ground, I suppose. And while

you want to consume in a certain way. It's out, you know, you said your partner really loves Christmas. They might have a different take on what they want that to look like. So you might need to, to compromise a little bit to find a spot that works for everybody. But yeah, there's lots of options. There's lots of, I think we've done a thread in the Facebook group before around ethical, even like your gift wrapping, you know, you can gift in tea towels or wrap in newspapers or, you know, things you've already got. There are lots of ways to reduce the physical waste. you don't need all the trims and you can repurpose decorations shop them second hand there are also lots of ways to do those traditional holiday things without having that hugely wasteful

impact on the environment too which I would encourage you to look into yes absolutely but we did obviously put it to the community to see what everybody else thought yes first of all we said what would you do if you were our community member 13% of people said just lean into Christmas 67% said, I would accept that we all do Christmas differently. And 20% said, I would set firm boundaries with the grandparents. Next, we said, what's your biggest stressor at Christmas? 34% of people said financial pressure. Very close, 32% of people said family dynamics.

13% said gift guilt. And 22% of people said waste and excess. So it sounds like our community members definitely not alone in their concerns. after that we obviously said what is your two cents and as always we got lots of answers somebody said the mental load is just next level during the end of the year speak up and look after yourself yes very true someone else said christmas is a time of year people seem to be the most wasteful look at doing gifts during the year instead that's a good idea yeah so wasteful it's almost like a buffer between you and your spending but like make it christmas totally

totally. Someone else said the gift of self-compassion can go a long way. I have a note on my mirror to remind myself my love is not defined by what I can afford. And at Christmas, I have to repeat this often to myself, which I think is beautiful. And it's literally so true. My love is not defined by what I can afford. Say it again, put it on your mirror. I really like that. That's beautiful. Somebody else said at a time of year when a lot of us don't get to be with our loved ones. Just enjoy it while it's there. Yeah, that's fair. It's a good point. Which I can understand, but that doesn't mean that you have to give in on everything. Yes. We had someone else say, kids don't care about the amount or have words around it,

but they'll sense your feelings. Yeah, that's true. They don't know how much things cost. I think it is like you really remember, like when I think about Christmas, I think about joy and happiness and love. And you can do that with or without any of the extra stuff really, can't you? Absolutely. Absolutely. Somebody else said, respectfully, grandparents need to see it from your point of view and compromise. We had someone else say, conversations are hard. The classic, we hardly have room for anything else often works wonders. A little loophole. That's a good idea. Someone else says, in their home, Santa does something you want, something you need, something to wear, something to share, and something to read. Cute. I love that. Take a

couple of boxes and then give one big gift. And then I'm going to end on this one because I think it just really sums everything up and they said sometimes joy can be your priority gorgeous which i think is really true and yeah as i said christmas there's a lot of pressure on people i think but ultimately it is it is just another day in the year yeah and if you want to participate in everything that's wonderful but there's no benchmark there's no right way to do christmas and you know if you and somebody else wants to celebrate it differently that's okay but you might just, dare I say, need to communicate a little bit to find a middle ground. That's crazy.

It's a crazy take. Communication is key. I feel people are going to stop listening to this segment. I know. We already know the answer. Yeah. But please stay with us. Please don't leave us.

Enjoy the holiday season. For those who celebrate Christmas, Merry Christmas to you and very happy holidays. And we'll see you guys bright and early on Monday morning. See you guys. Bye. 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 authorized representatives of Money Sherpa PTY LTD ABN 321 649 27708 AFSL 451 289.