For this edition of our MONEY SEED Series, we caught up with Queenie, who's based in Sydney, Australia, and shares her money journey openly with her audience online.
Hey, I'm Queenie! Money and investing are genuinely things I love talking about. My whole personal finance journey kicked off when I moved out at 19, living on just $400 a week — barely enough to cover bills and groceries at the time. A few years later, things look completely different: I own my home, I've built up an investment portfolio, I earn a six-figure income, and I'm now working toward full financial freedom. I feel really lucky about how things turned out, and I wanted to be upfront and honest about the whole journey, which is why I share it all on my YouTube channel.
Which money personality type did you get, and did it feel right?
I really enjoyed this test! I came out as the Optimiser, and it fit me pretty well. I'm quite careful with my spending and I'm constantly looking for smarter, cheaper ways to do things.
What got you started, and what can new readers expect from your content?
The idea for my channel came during COVID, when I saw so many people losing their jobs and struggling financially. It pushed me to want to contribute something positive — to put useful content out into the world. I focus on making videos that come from my own real experiences rather than generic advice. That includes investing, money-saving tips, real estate, stock market basics, and how to travel on a smarter budget.
How would you describe your relationship with money, and how has it shaped your goals?
I was raised in a pretty frugal household, and that's shaped how I see money to this day. Growing up that way taught me to respect money and to be grateful for the lessons that frugality gave me. My long-term goal is financial freedom — reaching a point where I get to work purely on my own terms.
What's helped you keep your spending and saving in balance?
Having a clear goal made all the difference. Early on, my goal was saving for a house deposit, and that gave every dollar I saved or invested real purpose — it made it so much easier to manage my spending. Once I hit that milestone, I shifted my focus to financial freedom as my new goal, and it's still what keeps my spending in check today.
What's the worst financial advice you've ever taken?
Honestly, it was probably jumping into cryptocurrency. Though I'd say that one's partly on me — I didn't fully understand investing and didn't sell at the right time. I got into crypto back in 2017 and actually saw a 400% return at one point, only to lose it all when the market crashed in 2018.
What do you enjoy spending money on most?
Travel, without question. It genuinely makes me happy — discovering new places and different ways of living. I'm counting down the days until COVID restrictions ease so I can get back to it properly.
How often do you check your finances?
About once a month, usually when I go through my credit card statements. I also check in occasionally on MoneyBrilliant, an app I use to keep track of my spending, assets, and liabilities.
What does your financial setup look like?
I keep a high-interest savings account with ING. For everyday purchases, I use American Express and Mastercard credit cards mainly to earn points, but I always pay them off in full every month so I never carry debt. I also use MoneyBrilliant to monitor my overall net worth and spending.
Any advice for someone just starting out with personal finance?
Start by watching personal finance content on YouTube (yes, that includes my channel) and reading as much as you can. A few books that really shaped my thinking are Rich Dad Poor Dad, The Millionaire Next Door, and Invested.
Follow Queenie on Instagram @investwithqueenie & Youtube
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