# She paid off a $25,000 car loan on a graduate salary, then became scared to spend money at all. Page: https://stenobird.com/podcast/she-s-on-the-money-983576/she-paid-off-a-25-000-car-loan-on-a-graduate-salary-then-became-scared-to-spend-money-at-all Text version: https://stenobird.com/podcast/she-s-on-the-money-983576/she-paid-off-a-25-000-car-loan-on-a-graduate-salary-then-became-scared-to-spend-money-at-all.md Podcast: [She's On The Money](https://stenobird.com/podcast/she-s-on-the-money-983576) Published: 2026-07-05T19:00:00+00:00 Episode link: https://omny.fm/shows/shes-on-the-money/she-paid-off-a-25-000-car-loan-on-a-graduate-salary-then-became-scared-to-spend-money-at-all Audio file: https://mgln.ai/e/187/traffic.omny.fm/d/clips/fa326977-3de5-4283-9b8b-af3500c58607/0c6189e6-78f6-4f47-b25d-af4600179991/a2940108-0131-402c-9ff5-b475005e00a4/audio.mp3?utm_source=Podcast&in_playlist=1dc0ac03-61e1-486c-b9be-af460017999b Processing state: not_requested JSON: https://stenobird.com/v1/public/podcasts/she-s-on-the-money-983576/episodes/she-paid-off-a-25-000-car-loan-on-a-graduate-salary-then-became-scared-to-spend-money-at-all Duration seconds: 2863 ## Resource Our diarist this week went from being a flat-broke uni student who could barely afford rent to paying off a $25,000 car loan on a graduate salary in less than a year. She built her emergency fund, started investing, got serious about her money and completely transformed her financial situation. But now there's a new problem. Every time she spends money, she feels guilty. We chat about moving away from home at 19, being the only person in her share house paying her own rent, paying off debt, building wealth in regional Australia, dating someone with four investment properties, and the surprising money mindset shift that came after getting her finances under control. Because sometimes getting good with money isn't the hard part. Sometimes it's learning how to enjoy it. 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 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 Acknowledgeme… ## Actions - request_transcript: `POST https://stenobird.com/v1/public/podcasts/she-s-on-the-money-983576/episodes/she-paid-off-a-25-000-car-loan-on-a-graduate-salary-then-became-scared-to-spend-money-at-all/transcription-requests` — Idempotently request low-priority transcript generation for this episode. - read_markdown: `GET https://stenobird.com/podcast/she-s-on-the-money-983576/she-paid-off-a-25-000-car-loan-on-a-graduate-salary-then-became-scared-to-spend-money-at-all.md` — Read the agent-friendly Markdown representation of this episode resource. A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed. ## Transcript Full transcripts are not published on public pages unless there is a clear rights basis.