Finance Girlies: Money Conversations for Gen Z and Millennial Women

We often assume building wealth requires a high salary, perfect investing decisions, or some kind of shortcut. But sometimes, the biggest results come from years of small, consistent choices.In this episode, we talk with financial coach and mom of five Brittany Flammer. Over the course of her 21-year marriage, Brittany and her husband averaged an income of roughly $40,000 per year while steadily building a net worth that’s now approaching $1 million. Their story isn’t built on shortcuts or luck — it’s built on patience, intentionality, and a commitment to living below their means.We talk about everything from investing at age 20 with just $50 a month, to navigating lifestyle creep, raising financially confident kids, and budgeting for family travel. If you’ve ever wondered whether small financial habits can really make a difference, this conversation is a reminder that consistency often pays off in the long run.✨ Episode Highlights ✨[01:30] How Brittany and her husband built nearly $1 million in net worth on an average income of about $40,000 per year[03:00] Why starting to invest matters more than knowing everything from day one[06:00] How Brittany’s savings and investing strategy evolved as her household income increased over the years[08:00] The intentional ways Brittany allows lifestyle upgrades without letting lifestyle creep take over[11:30] The surprising expenses they skip — and why Brittany only budgets $25 per month for personal fun money[16:00] The budgeting tools Brittany relies on most, including high-yield savings accounts, automation, and weekly budget check-ins[20:30] How their family of seven travels on a budget, from affordable road trips to planning international vacations[24:30] The low-cost family traditions that have created some of their favorite memories[28:30] How Brittany teaches her kids about money, trade-offs, saving, spending, and earning their own income[34:30] The expenses she refuses to cut, the role generosity plays in their family, and the money values she hopes to pass down to her children[41:00] Where to follow Brittany’s budgeting journey and why publicly sharing her budget helps keep her accountable✨ Resources ✨Brittany’s YouTube channelBrittany’s website📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

When you’re in your early 20s, it’s easy to feel like you have so much time to figure money out later. Retirement feels impossibly far away, investing feels intimidating, and honestly, a lot of financial advice can feel disconnected from real life when you’re just trying to make rent, navigate your first job, or recover from the chaos of college.The truth is, though, some of the smallest financial habits you build early on can shape your life for decades — not because you need to do everything perfectly, but because small, consistent choices really do add up over time. And while this episode is centered around what we wish we knew in our 20s, almost everything we talk about applies no matter your age or stage of life. It’s never too early or too late to start building habits that make your financial life feel calmer and more intentional.In this conversation, we’re sharing the money advice we genuinely wish someone had told us earlier, from tracking our spending and avoiding lifestyle creep to building credit, learning to invest, and figuring out what actually matters to us.✨ Episode Highlights ✨[02:00] Why tracking your spending is the foundation of intentional money habits[03:30] The personal finance books that helped us finally understand money[05:00] How to spot “money leaks” and spend more intentionally[06:30] Two simple questions to ask before buying something impulsively[09:00] What lifestyle creep actually looks like in your 20s[13:00] Why learning to cook is one of the best money-saving skills you can build[15:00] The financial advantage of cheap housing situations early in adulthood[17:00] How to prioritize experiences and travel without overspending[19:30] Building credit responsibly and why starting early matters[23:00] Emergency funds, future goals, and using extra money intentionally[27:00] Why investing early matters more than investing perfectly[32:30] Talking about money with friends, asking for help, and taking imperfect action✨ Resources ✨Our 2 favorite personal finance/investing books: I Will Teach You to Be Rich by Ramit Sethi and The Simple Path to Wealth by JL CollinsBudgeting tool: YNAB (You Need a Budget)Finance Girlies’ Investing Before You’re Ready workshopFinance Girlies episode

When we think about “rich” experiences, it’s easy to assume they have to come with a high price tag. But this week’s guest, Elisabeth Frost, has built a life that challenges that idea in the best way.Elisabeth is a lifestyle blogger, budget traveler, and longtime thrifter currently spending three and a half months traveling across Europe with her husband and two kids — carry-on only. In this episode, we talk about the systems and mindset shifts that help her family travel affordably, live more minimally, and make intentional financial decisions without feeling deprived.We also get into the choices that helped Elisabeth and her husband pay off their house in just seven years, why she approaches secondhand shopping strategically, and the reminder we all probably need sometimes: spending more money doesn’t automatically create better memories.✨ Episode Highlights ✨[02:10] What it’s actually like raising kids with a minimalist and frugal lifestyle[03:20] How Elisabeth’s family travels internationally on a budget[05:15] The first thing they prioritize when planning affordable trips[07:05] Why setting a hard accommodation budget helps them avoid overspending[09:15] The simple travel habits that save their family money on food and activities[12:00] How free museum days and off-peak tickets dramatically cut travel costs[16:10] Why some of their kids’ favorite travel memories were completely free[20:00] Elisabeth’s “everything needs a home” rule for thrifting and minimalism[27:00] The difference between thrift stores and consignment shops — and how to shop both intentionally[35:20] The biggest decisions that helped Elisabeth and her husband pay off their mortgage in seven years✨ Resources ✨Elisabeth’s blog: The Optimistic Musings of a PessimistElisabeth’s Patreon community: Lighthouse KeepersSupport the show📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

There’s a version of debt payoff advice that sounds responsible on paper — make the minimum payments, invest the difference, stay the course.But what if following that plan still leaves you feeling stuck?In this episode with physician assistant and financial educator Arden Missal, we unpack what happens when you question the “default” path — and what it can look like to choose something else. We talk about the emotional side of money, why avoidance is so common, and how your beliefs can shape your financial reality.Arden paid off $150,000 of debt in just 16 months. Interestingly, she doesn’t consider herself frugal — and that’s exactly why she was so determined to eliminate her debt so fast. Arden’s approach wasn’t just about working more or spending less; it started with a complete shift in how she thought about debt, time, and what she actually wanted her life to feel like. This conversation is part strategy, part mindset reset, and it might even change how you think about what’s possible for you.✨ Episode Highlights ✨[00:00] Why the “make minimum payments” advice didn’t sit right with Arden — and what it revealed[06:30] What paying off $150K in 16 months looked like behind the scenes[12:00] How becoming debt-free reshaped her relationship with money[16:00] The “boiling frog” effect and how debt becomes your normal[22:00] What money avoidance really is — and how it shows up[27:00] How shame and limiting beliefs keep people stuck[34:00] Arden’s favorite exercise for uncovering your money story[41:00] Why your thoughts drive your financial outcomes[47:00] Rethinking budgeting as a tool for direction, not restriction[53:00] What to do if financial freedom feels out of reach✨ Resources ✨Connect with Arden:Grab Arden’s free debt tracker: https://shesfinanciallyfree.com/starter-kit 📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

If you’ve spent any time reading personal finance advice, you’ve probably heard the same advice on repeat: max out your Roth IRA. But what if that’s not actually the best move — at least not right now?In this episode, we sit down with advice-only financial planner Sean Mullaney to challenge some of the most common investing advice out there and replace it with something a little more nuanced — and helpful. We talk about how to think about taxes across your lifetime (not just this year), why traditional retirement accounts deserve more attention, and how small shifts in strategy can make a meaningful difference over time.✨ Episode Highlights ✨[00:00] Meet our guest and why “Roth first” isn’t always the best advice[02:00] The two-sentence framework for retirement planning: investing + taxes[04:30] Why traditional 401(k)s can be more powerful than Roth accounts[08:00] What to do if you don’t have access to a 401(k)[12:30] The real order of operations: emergency fund, employer match, then what?[15:30] How taxes actually work in retirement (and why they’re often lower)[18:30] The “hidden Roth IRA” concept explained in plain English[24:30] Capital gains, cost basis, and why your taxable income may be lower than you think[28:00] The “compelling three” framework for investing (and how to use it)[32:00] Where HSAs fit into your overall investing strategy[34:00] The biggest mistake we see in your 20s and 30s — and how to avoid it[36:00] Balancing saving for the future with actually enjoying your life now✨ Resources ✨Connect with Sean:Sean’s book: Tax Planning to and Through Early Retirement Sean’s blog: FITaxGuy.com Sean’s YouTube channelListen to The Finance Girlies beginner-friendly investing episodes:Why you don’t feel ready to invest (and how to start anyway) / 67Health Savings Accounts (HSAs): The incredible financial tool you may be overlooking / 54Q&A: Everything you need to know about Roth IRAs / 12 As Sean mentioned, some capital gains in New Zealand are not subject to tax, but some are. As always, tax rules are nuanced. Learn more in this video and <a href='https://www.lynchandassociates.c

Spring cleaning isn’t just for your closet — it might be exactly what your finances need, too. In this episode, we talk about why April (not January) can be the most natural time to reset your money habits, especially as your energy shifts, your spending changes, and tax season gives you a clearer picture of your finances.We walk through how to take that “fresh start” feeling and turn it into simple, actionable steps — from deciding what to do with your tax refund to decluttering subscriptions, organizing accounts, and checking in on your bigger financial goals. If your money has felt a little messy, neglected, or just out of sync lately, this is your permission slip to reset — without pressure or perfection.Think of this as your financial reset checklist — approachable, flexible, and designed to help you feel lighter, clearer, and more in control going into the rest of the year.✨ Episode Highlights ✨[00:00] Why spring might be a better time than January to reset your finances [02:15] How seasonal shifts impact your spending habits (and why it’s normal for them to change) [09:05] What to do with your tax refund — from saving to spending with intention [10:20] Using your recent tax experience to make smarter decisions this year [12:30] Turning clutter into cash by selling unused items [14:45] How to organize financial documents and simplify next tax season [16:40] Where to check your credit score for free — and what to look for [17:50] Why freezing your credit could give you extra peace of mind [19:10] Subscriptions and recurring expenses to review this season [20:30] How to lower your bills (and what to say when you call) [22:45] Which accounts to close — and what to keep open for your credit score [24:05] Checking in on your emergency fund and adjusting your goals ✨ Resources ✨ Episode 69: 7 smart ways to use your tax refund in 2026  Episode 70: Rethinking the emergency fund: How much do you need to save? Episode 35: Cassidy's moving budget: The cost of starting over Episode 3: Q&A: Choosing the right bank accounts  Free credit report: Annualcreditreport.com  Take our quiz: What Type of Finance Girlie Are You?📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlie

If you’ve ever found yourself staring at your emergency fund, hesitant to spend a dime on something unexpected, this episode's for you. We’re unpacking the pressure, the gray areas, and the real-life moments where this money actually comes into play. Because spoiler: it’s probably not just for worst-case scenarios.We share how we think about emergency funds in a more flexible, human way — from unexpected travel costs to medical bills to slow income seasons — and why this money is meant to be used, not just admired. We also dig into the classic “3–6 months” rule, where it falls short, and how to choose a number that actually supports your life (and your nervous system).✨ Episode Highlights ✨[00:00] What an emergency fund actually is — and why the name might be part of the problem[02:00] The “fire extinguisher” mindset: your fund is meant to be used [03:00] Real-life examples — travel surprises, medical bills, and pet emergencies[06:00] Using an emergency fund during slow income seasons without panic[09:00] The classic “3–6 months” rule — and why it’s not one-size-fits-all [11:00] Why “bare bones expenses” might not mean cutting out all joy[13:00] Factors that actually matter: job stability, support systems, and flexibility[16:00] Choosing a number based on how you want to feel, not just math[19:00] How emergency fund needs evolve over different life stages[30:00] Reframing: should we call it a “comfort fund” instead?✨ Resources ✨You Don’t Need a Budget by Dana MirandaAlly Bank (high-yield savings account option)Discover / Capital One (high-yield savings account options) Support the show📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

If you’ve ever gotten a tax refund and thought, “Wait… is this free money?” — you’re not alone. In this episode, we’re unpacking why refunds feel like a bonus (even though they’re not), and more importantly, how to actually decide what to do with that lump sum in a way that feels good and makes sense for your life.We walk through seven different ways you can use your refund — from covering immediate needs to investing, spending on convenience, or even doing something purely for joy. Along the way, we talk about the “interest-free loan to the government” concept, why debt payoff doesn’t have to be all-or-nothing, and how to think about your options without pressure or perfection.✨ Episode Highlights ✨[00:00] Why tax refunds feel like “extra” money (but they’re actually not)[02:00] What a tax refund actually is[03:30] The “interest-free loan to the government” concept[04:00] Option 1 — use your refund to stabilize your life[05:00] Option 2 — spend on things that make life easier[06:30] Option 3 — how to think about paying off debt (without extremes)[09:00] Option 4 — using your refund to invest (including a Roth IRA tip)[10:30] Option 5 — using your refund for joy and hobbies[13:30] Option 6 — combining multiple approaches (you don’t have to choose just one)[14:30] Option 7 — waiting and letting your refund sit before deciding[16:00] 3 simple questions to help you decide how to use your refundSupport the show📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

When we sent out a listener survey last fall, one topic seemed to be on everyone’s minds: investing. So many of you told us you don’t feel ready to invest yet.We relate to this deeply. Even after years of writing about investing professionally, talking to experts, and researching the topic, we still felt that hesitation ourselves. We kept setting what we jokingly call “procrastination goals” — telling ourselves we’d start investing after we saved a little more, paid off one more thing, or learned just a little bit more.In this episode, we unpack what people often mean when they say “I’m not ready to invest yet.” We walk through the hidden beliefs that keep many of us stuck in that in-between phase — and the signs you might actually be more ready to invest than you think. Finally, we talk about how to overcome the “I’m just not ready” hurdle once and for all. If investing has been floating around in the back of your brain for months (or years), this conversation is for you.✨ Episode Timestamps ✨[00:00] The surprisingly common feeling of “I’m not ready to invest” — even among people who know a lot about money[03:00] “I don’t have enough money to invest” — when competing financial goals make everything feel tight[04:00] When inconsistent income makes investing feel impossible (even though it doesn’t have to be)[06:00] When traditional finance advice feels like it wasn’t made for people like you[08:00] Why investing feels scary — especially if your first exposure was 2008 crash stories or crypto chaos[10:00] The “I need to learn more first” trap (aka procrastinating perfectionism)[13:00] The sneaky procrastination mindset: “I still have plenty of time”[15:00] Signs you might actually be ready to invest: curiosity, extra money sometimes, and no high-interest debt[17:30] The biggest signal of readiness: wanting more freedom in your future[18:00] The one thing that actually makes people feel ready to invest — and our live workshop for getting started✨ Resources ✨Book: The Perfectionist’s Guide to Losing Control by Katherine Morgan SchaflerSupport the show📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

This week, we’re talking about the emotional and behavioral side of money with money coach Michelle Malawer. We explore what money coaching actually looks like, how it differs from working with a financial advisor, and why changing your finances often starts with understanding your patterns — not just your numbers.We also talk about the beliefs and challenges Michelle frequently sees with women around money, from debt shame to undercharging to feeling stuck. Plus, we dig into a surprisingly powerful idea: imagination as a money skill. Once we’re not just trying to survive financially, we can start asking what we actually want our lives to feel like — and how our money can support that.✨ Episode Highlights ✨[02:00] The key differences between money coaches and financial advisors — and when you might want to hire each[03:00] A real-life example of money coaching in action [06:00] Common problems people (especially women) bring to money coaching [08:00] What it means to “taste test” joy and pleasure with spending[11:00] What’s actually behind feeling stuck with money[13:00] Why emotions often come before numbers in coaching[16:00] The surprising insights clients discover about themselves [17:00] Why fostering your sense of imagination is an underrated money skill[25:00] Money beliefs that show up often for women[29:00] Michelle’s experience working with financial therapist✨ Resources ✨Connect with Michelle on LinkedInJoin Michelle’s free money book club for womenGet Ramit Sethi’s I Will Teach You To Be Rich: The Journal📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Today we’re joined by Sarah Turner — the mentor who brought us together and helped shape the way we think about building businesses, earning more, and how money shows up in our lives.In this episode, we talk about what it actually looks like to live authentically (especially when “bloom where you’re planted” feels more like rotting in the wrong soil), plus how Sarah’s money story evolved (and how it didn’t) after her income exploded. She explains how and why the old stuff can still show up, even when the numbers change.If you’ve ever felt guilt about wanting ease, gotten caught in lifestyle creep pressure, or found yourself avoiding your bank account because it spikes your nervous system, Sarah’s been there too — and she’s got wisdom to share. ✨ Episode Highlights ✨[00:00] Meet Sarah Turner — mentor, entrepreneur, and the woman who brought Cassidy and Emily together[03:00] What it looks like to live authentically (and why “bloom where you’re planted” doesn’t work for everyone)[05:00] How money changed for Sarah when she went from earning pennies at content mills to building an 8-figure business[08:00] Stepping back from work, shifting identities, and the emotions that come up when your partner becomes the breadwinner[12:00] A debate about “manufacturing scarcity,” and why Sarah refuses to use stress as a spending strategy[15:00] The limiting beliefs that kept money tied to morality, greed, and gender expectations[17:00] Defining mindset work in plain language, including what helped Sarah most[22:00] Growing up with a frugal financial advisor dad, and the confusing messages that can create[31:00] How to build “proof” when you feel overwhelmed, plus the idea of doing money admin with friends[39:00] Lifestyle creep, big mortgages, and why feeling calm matters more than looking successful[46:00] Finding your values through patterns, discomfort, and a look at what you’re actually spending✨ Resources ✨Sarah’s websiteSarah’s book: Bet on Yourself One of Sarah’s favorite books: The Slight Edge by Jeff Olson📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://

We love travel — but we do not love unexpected airport chaos.On a recent work trip to Mexico, we each faced major delays. One of us was marked a no-show while physically inside the airport because we couldn’t get a boarding pass. The other experienced a domino effect — a missing gate agent, de-icing delays, a missed connection, a four-hour crew delay, and a mechanical issue that led to an overnight stay.Because these disruptions felt largely outside of our control — and, to some extent, within the airline’s — we decided to advocate for ourselves. We requested cash refunds instead of flight credits, submitted reimbursement claims for meals and hotels, explored credit card trip delay protections, and even filed a DOT complaint.Some of it worked. Some of it didn’t. We’re breaking it all down so you can feel more prepared if this ever happens to you.✨ Episode Highlights ✨[03:00] Cassidy’s travel mishap: protests, road closures, and arriving late to a delayed international flight [07:00] Rebooking, overnight hotel, and initial reimbursement request — and the first denial[09:00] Follow-up, second denial, and next steps (escalation and credit card coverage)[12:00] Emily’s travel mishap: missing gate agent, de-icing delays, and a missed connection[14:00] Emily’s backup plan: buying a last-minute ticket, four-hour crew delay, and mechanical issues[18:00] Refund strategy: requesting cash instead of flight credit and submitting expense receipts[21:00] A $600 airport hotel surprise, credit card dispute, and goodwill compensation request[27:00] Our biggest takeaways: knowing your rights, using the DOT dashboard, credit card protections, and documenting everything✨ Resources ✨Department of Transportation (DOT) Airline Customer Service Dashboard Financial Feminist episode featuring former Transportation Secretary Pete ButtigiegHow to Win at Travel by Brian KellyYour credit card’s trip delay / travel disruption coverage (check your card’s Guide to Benefits)📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

If Valentine’s Day has ever made you feel pressured, behind, or annoyed at how expensive it all seems — it’s not just you. In this episode, we’re unpacking how Valentine’s Day became a multi-billion-dollar industry, why it can feel so loaded emotionally (and financially), and how to opt out of overconsumption without opting out of joy.We share the surprising history of Valentine’s Day, the real data behind how much people spend, and how social media fuels comparison spirals. Then we get personal — talking through our very different, very intentional approaches to the holiday, whether that looks like a cozy homemade dinner, a box of chocolates we bought ourselves, or planning something meaningful with friends.This conversation is for anyone who wants Valentine’s Day to feel more aligned — with your values, your budget, and the way you actually experience love. Partnered, single, or somewhere in between, you deserve a version of this holiday that feels good.✨ Episode Highlights ✨[00:00] Why Valentine’s Day feels so commercial — and why that’s not new[02:00] Social media, comparison spirals, and performance pressure[03:30] How much Americans actually spend on Valentine’s Day[06:00] Emily’s low-key, at-home Valentine’s Day tradition[07:00] Cassidy’s evolving approach — from compromise to self-celebration[09:00] Making holidays special when no one else does it for you[14:00] Low-consumption Valentine’s ideas from real people[20:00] Wallet-friendly and eco-friendly ways to celebrate[24:00] A simple reflection exercise to redesign Valentine’s Day for you✨ Resources ✨National Retail Federation Valentine’s Day spending surveySubstack post on eco-friendly and wallet-friendly Valentine’s Day ideasReflection questions shared in this episode:What actually makes me feel loved?What kind of Valentine’s Day do I want, even if no one else sees it?Where am I spending money out of expectation instead of meaning?What’s one small thing that would help me feel more connected to my loved ones this Valentine’s Day?📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Parenthood has a way of turning even the most detailed budgeter into a “good enough and moving on” budgeter — and honestly, that’s not a personal failure. It’s reality. In this episode, we’re joined by Taylor Nelson (accredited financial counselor and the voice behind The Financial Planner Substack) to talk about what the “cost of kids” actually looks like in real life — and why it’s not just diapers and strollers. We get into the biggest surprise costs (spoiler: it’s often the income hit more than the baby gear), how to think about childcare and leave before your baby arrives, and why the retirement vs. college savings debate is rarely as black-and-white as the internet makes it seem.If you’ve ever thought, “I’ll have kids when I feel financially ready,” Taylor offers a grounding perspective: most people don’t feel perfectly ready — they just build flexibility, make the best decision they can, and keep going.✨ Episode Highlights ✨[03:00] How becoming a parent changes budgeting — less line-by-line, more “one-number” simplicity[07:00] The costs that surprise people most: Childcare, and the income hit from parental leave, or career pauses[12:00] When you think you’ll go back to work… then you meet your baby and everything shifts[14:00] What to do before baby arrives: Health insurance math, hospital indemnity insurance, and childcare waitlists[16:00] “Order of operations” for saving when kids are in the future (and money is tight)[20:00] How to prioritize retirement vs. college savings — and why it’s rarely all-or-nothing[25:00] The tax benefit people mess up: Dependent care FSA rules and childcare “under the table”[29:00] What parents who feel behind need to hear — kids want attention, not perfection[33:00] How Taylor talks about money with young kids (and why grocery store trips count)[37:00] One small step that makes everything easier: More cash savings for flexibility and peace of mind✨ Resources ✨Taylor’s website: tailoredfinancialplans.comTaylor’s Substack: The Financial Planner📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

What if knowing your worth intellectually isn’t enough — and the real work has to happen in your body, your nervous system, and your everyday actions? In this episode, we’re joined by Claire Wasserman, founder of Ladies Get Paid, career coach, and writer who offers tactical advice and deep emotional insight in a way that feels grounding, honest, and actually doable.This conversation felt like part therapy session, part masterclass in self-trust. Claire shares why so many of us still tie our value to our paycheck (even when we know better), how to identify the core money beliefs driving our anxiety, and why asking for more money builds self-advocacy far beyond your bank account.We also talk candidly about shame — from food stamps to inner critics — and why transparency can be a powerful tool for healing, resilience, and reinvention. Confidence doesn’t start with earning more, and this episode explains why.✨ Episode Highlights ✨[02:00] Why self-worth vs. net worth can’t be solved intellectually[03:00] The “downward arrow” exercise to uncover core money beliefs[06:00] The “joy antidote”: taking action to counter anxiety and self-doubt[08:00] Patterns Claire sees in how women hold themselves back with money[15:00] Why asking for more money builds self-advocacy (not just income)[22:00] How to frame raises and rate increases around business value[28:00] Shame, food stamps, and why transparency matters[38:00] Resilience, reinvention, and expanding your window of tolerance[40:00] Expanding your worth “inside and out” through practice[45:00] Rewiring the inner critic: “I’ll earn more when…”✨ Resources ✨Coachmeclaire.com (site for coaching + updates)Thepracticecards.com (daily 10-min practice tool)Work in Progress (Claire’s Substack)Instagram: @clairegetspaid and @ladiesgetpaid📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Budgeting is often framed as a discipline problem — try harder, be more consistent, stick to the plan. But what if the real issue isn’t effort or willpower… it’s that the system was never designed for your actual life in the first place?Today we’re joined by Kelsa Dickey, founder of Fiscal Fitness Phoenix and creator of the Spend First System. Kelsa is a former licensed financial advisor who intentionally left the traditional financial advising world to focus on what most people are actually struggling with: managing money day to day, with real constraints on time, energy, and attention.In this episode, Kelsa challenges some of the most common budgeting assumptions — like the idea that there’s one “right” way to do things, or that sticking to a perfect budget should even be the goal. Instead, she walks us through how to build a money system that evolves with you, how to use trial and error without shame, and how to measure progress in ways that keep you motivated. If you’ve ever felt capable in every area of life except money, this conversation will help things click. ✨ Episode Highlights ✨[0:00] Why Kelsa left traditional financial advising to become a money coach[4:00] Why most financial advice overwhelms people instead of helping them[9:00] The real first step to getting your finances together (and why the second step matters more)[12:00] “Strategic trial and error” and how to evaluate your money plan without shame[18:00] The difference between financially minded people and everyone else starting out[20:00] The 3-bucket system: spend fixed, spend freely, spend future[25:00] Why budgeting fails when it ignores time and energy capacity[31:00] Why the idea of a “perfect month” sets people up for frustration[38:00] When (and how) to change your budget as your life evolves[45:00] Measuring progress with peace, confidence, and pride — not just numbers✨ Resources ✨Visit Kelsa’s website: Fiscal Fitness PhoenixFollow Kelsa on Instagram: @moneycoachkelsa📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

If you’ve ever thought, “I’m doing okay with money… but am I doing the right things?” — this episode is for you. Whether you’re in your late 20s trying to build good habits, juggling family responsibilities, or quietly worrying about what the future version of you will need, this conversation meets you exactly where you are.Today we’re joined by Brigitte Killings, a 30-year veteran in financial services and the Atlantic & South Division Head of Community and Business Development at JPMorganChase. Brigitte has spent decades working directly with families and communities, and she brings a perspective that’s both deeply practical and deeply human. She doesn’t just talk about money — she talks about how money shows up in real life: in parenting, generosity, caregiving, career choices, and long-term planning.This episode is full of the kind of wisdom that makes you pause and rethink how you approach your finances — not with fear or shame, but with clarity and confidence. You’ll walk away feeling calmer, more intentional, and better equipped to make decisions that support both your present life and your future one.✨ Episode Highlights ✨[2:00] The money habits Brigitte wishes more people built between 25–34 [3:00] Why the 401(k) match is the “free money” so many people leave behind [4:00] How savings buckets make life feel calmer (emergency, travel, future goals) [8:00] Budgeting for generosity, gift giving, and “helping as the spirit moves you” [10:00] How to talk to kids about money without shame, stress, or secrecy [16:00] A first paycheck, paying “rent” at 14, and learning responsibility early [18:00] How to start family money conversations before crisis hits [33:00] Banking isn’t just transactional anymore — it’s relational [36:00] Chase’s free community workshops (and no, you don’t have to be a customer) [40:00] What gives Brigitte hope about Gen Z and young Millennials✨ Resources ✨Connect with Brigitte on LinkedIn.Chase Community Workshops: Visit your local Chase branch to find upcoming workshops (many are virtual and free — and you don’t need to be a Chase customer)📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

If you’ve ever thought, “I’m doing okay with money… but am I doing the right things?” — this episode is for you. Whether you’re in your late 20s trying to build good habits, juggling family responsibilities, or quietly worrying about what the future version of you will need, this conversation meets you exactly where you are.Today we’re joined by Brigitte Killings, a 30-year veteran in financial services and the Atlantic & South Division Head of Community and Business Development at JPMorganChase. Brigitte has spent decades working directly with families and communities, and she brings a perspective that’s both deeply practical and deeply human. She doesn’t just talk about money — she talks about how money shows up in real life: in parenting, generosity, caregiving, career choices, and long-term planning.This episode is full of the kind of wisdom that makes you pause and rethink how you approach your finances — not with fear or shame, but with clarity and confidence. You’ll walk away feeling calmer, more intentional, and better equipped to make decisions that support both your present life and your future one. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit thefinancegirlies.substack.com/subscribe

This is a free preview of a paid episode. To hear more, visit thefinancegirlies.substack.comWe're wrapping up 2025 with our favorite tradition — a rapid-fire reflection on the year we just had. And this year? We made it spicier. 🌶️This is an insiders-only episode because we wanted to get real about the stuff we don't usually share on the free feed. So if you're here, you're getting the good stuff.Here's what we're covering:The Classics (same questions as last year)Our favorite books and podcasts we devoured in 2025Things we bought that genuinely changed our livesPurchases we're still scratching our heads overWhat we didn't do this year but need to prioritize in 2026Moments we're genuinely proud of ourselves forNew hobbies and habits we picked upThe word that defines 2025 for usThe New (and Juicier) StuffHow much we actually spent on dining outOur honest take on how our budgets are working (or not)Financial decisions we're still second-guessingMoney goals we set in January and totally abandonedThe big, scary financial goal we're thinking about for 2026+⏰ Timestamps[00:30] Our favorite books and podcasts from 2025[04:00] Things we bought that we actually loved[08:00] Purchases we're regretting (or at least questioning)[12:00] What we didn't do this year but want to prioritize next year[15:00] Moments we're proud of[20:00] New hobbies and habits we picked up this year[25:00] The word or theme that defines 2025 for us[26:00] How we're feeling about our budgets [29:00] How much we spent on dining out in 2025[33:00] Financial decisions we're still second-guessing[36:00] Money goals we set and abandoned along the way[42:00] The big, scary financial goal we're thinking about for 2026📝 Want to Reflect on Your 2025?If you want to do your own year-end reflection, here are all the questions we answered in this episode:What's your favorite book or podcast that you listened to this year?Something you bought that you lovedSomething you thought that you wish you would've skippedSomething you didn't do this year that you really wanna prioritize next yearSomething you're really proud of yourself for doing this yearA new habit or hobby that you picked upWhat word or theme reflects how this year felt?How much do you spend on dining out?How do you feel about your budget overall this year?A financial decision you made this year that you're still second-guessing—did it work out or not?Money goals you set at the beginning of this year that you abandonedOne big scary finan

Listen now | We're full of cheese, loving winter, and recapping our yearSupport the show📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Tired of those overwhelming New Year's financial planning checklists? In this short episode, we break down a simple five-step exercise that takes about 30 minutes and actually helps you tackle your biggest money pain point — no perfectionism required.Listen in to learn how to: Identify what's really bothering youName the feeling you're chasing instead of just the goalAnd create a concrete plan for January that doesn't involve overhauling your entire life. Plus, we walk you through how to anticipate roadblocks before they derail you — because life happens, and we're planning for that.✨ Episode Highlights ✨[0:00] Why we ditched last year's complicated checklist[2:00] The one thing that actually matters (and why it's not what you think)[5:00] Step 1: Name your money pain point[7:00] Step 2: Name how you want to feel instead[9:00] Step 3: Brainstorm small ways to ease the pain[10:00] Step 4: Name the roadblocks (and plan for them)[12:00] Step 5: Pick your January experiment[13:00] Why progress beats perfection every single time✨ Resources ✨Free Download — Your 2026 New Year Money Reset Have follow-up questions about tackling your money goals or want us to dive deeper into anything we covered? Email us at [email protected] and we'd love to help.📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Hey Girlies,Happy holidays!Because it’s a short (holiday) week, we’re keeping this week’s newsletter and podcast episode brief. (Much like you, we would rather be plotting how many crafts, Christmas cookies, and movies we can cram into the next week.)But if you’re craving a quiet mindset reset amidst the holiday chaos, we’ve got just the thing for you…We created a 30-minute New Year Money Reset to help ease your biggest money pain point this January. Details on that (plus a link to accompanying free download) below!Also! We’ve got one more podcast episode going out in 2025, and it’s a fun one. Next week, we’re dropping our “2025 Wrapped” episode, where we answer personal questions about what we spent, how we stuck to our financial goals, our best and worst purchases, and more.Plus, this year we added new, juicer questions to the mix. (And for that reason, you’ll have to be a Finance Girlies Insider to hear the whole episode.)Stay tuned next week for this celebratory episode!Wishing you lots of rest, joy, and hot cocoa this week!On the pod 🎧Last year around this time, we recorded an episode called How to financially plan for the new year (5 steps + free worksheet).At the time, our listenership was tiny — this was only the 7th episode we’d published. Still, we heard from a handful of folks that they found it helpful.We’re so glad, because we looked back at that worksheet while planning this episode, and we both felt overwhelmed. We’re not sure if it’s because we’re just tired or because we’ve learned more about financial education over the last twelve months — but we felt like that episode and worksheet were wayyyy too meaty.This year, we’re trying something different: A quick 30-minute reset to alleviate ONE financial pain point in the new year.We’re not trying to do everything this time around, because honestly, this is a busy time of year (and we’d rather be crafting, reading, and watching Christmas movies snuggled up with our pets).But we also want you to head into the New Year with financial optimism.This episode (and downloadable worksheet) is where we landed.Not only will this help you address your biggest money pain point, it’ll help you plan for the inevitable obstacles that threaten to derail your progress.Tackle it before the clock strikes midnight next week, or wait until you’r

Health Savings Accounts (HSAs) might be hiding in your benefits package, and most people have no idea how powerful they actually are. In this episode, we're breaking down everything you need to know about HSAs — from whether you're eligible to how to treat them like a secret retirement account.Emily and Cassidy dive into the triple tax advantage that makes HSAs unlike any other account, explain the difference between HSAs and FSAs, and share real strategies for maximizing this financial tool. Whether you're using your HSA to cover medical expenses or letting it grow for decades, this episode has the framework you need to make an informed decision. ✨ Episode Highlights  ✨[3:00] What an HSA actually is (and why the "triple tax advantage" is life-changing)[5:00] How to know if you're eligible for an HSA[8:00] Contribution limits and why you don't need to max it out[10:00] The "secret retirement account" strategy — and how it works[15:00] FSAs vs. HSAs: Which one is actually better?[20:00] How to open an HSA if your employer doesn't offer one[27:00] When you should actually open an HSA (and in what order) ✨ Resources ✨IRS List of Qualified Medical Expenses — IRS Publication 502Fidelity HSA (what Emily uses) — Open an HSA with Fidelity📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Health Savings Accounts (HSAs) might be hiding in your benefits package, and most people have no idea how powerful they actually are. In this episode, we're breaking down everything you need to know about HSAs — from whether you're eligible to how to treat them like a secret retirement account.Emily and Cassidy dive into the triple tax advantage that makes HSAs unlike any other account, explain the difference between HSAs and FSAs, and share real strategies for maximizing this financial tool. Whether you're using your HSA to cover medical expenses or letting it grow for decades, this episode has the framework you need to make an informed decision.⏰ Timestamps[3:00] What an HSA actually is (and why the "triple tax advantage" is life-changing)[5:00] How to know if you're eligible for an HSA[8:00] Contribution limits and why you don't need to max it out[10:00] The "secret retirement account" strategy — and how it works[15:00] FSAs vs. HSAs: Which one is actually better?[20:00] How to open an HSA if your employer doesn't offer one[27:00] When you should actually open an HSA (and in what order)Resources MentionedIRS List of Qualified Medical Expenses — IRS Publication 502Fidelity HSA (what Emily uses) — Open an HSA with FidelityHave follow-up questions about HSAs or want us to dive deeper into anything we covered? Email us at [email protected] and we'd love to help.Want More From The Finance Girlies? Subscribe to our newsletter for real talk about money — delivered straight to your inbox. 💸 This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit thefinancegirlies.substack.com/subscribe

If you've ever dreamed about traveling but thought you couldn't afford it, this episode is for you. Caroline Lupini has visited 120+ countries while building a successful career — and she's here to prove that both are totally possible without sacrificing one for the other.Caroline is a travel expert, digital nomad, and managing editor of Travel and Credit Cards at Forbes Advisor. In this episode, she joins us to break down how to plan trips that actually work for your budget. She also shares how location independence can create real financial security, and why flexibility might be the best career insurance policy you can have. Whether you're saving for one dream trip or considering a completely different lifestyle, Caroline's got the strategies (and the real-life considerations) you need.✨ Episode Highlights ✨[2:00] Caroline's origin story — how she discovered budget travel[4:00] From expensive family vacations to Southeast Asia on $5/day[5:00] The total cost of travel: Why looking at flight prices alone isn't enough[8:00] How to plan a trip when flexibility is your advantage[11:00] Travel rewards basics for beginners[18:00] How location independence creates financial security[21:00] Diversifying income without leaving your job[28:00] The real cost of a flexible life — what Caroline gave up[34:00] What "enough" actually means when you're chasing flexibility✨ Resources :Caroline's website: carolinelupin​i.comFollow Caroline on Instagram: @carolinelupin​iCaroline's YouTube channel launching January 2026The Flight DealFair Deal AlertGoing Secret Flying WiFi Tribe📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Hey Girlies,Why is it that the time of year you most want to relax, curl up on the couch, and sip hot chocolate while reading a cozy mystery is also one of the craziest times of year?Is this just us, or is this pretty universal?If you’re in the same boat, you may be stressing over holiday gifts and cards, trying to wrap up work projects for 2025, and doing a year-end financial review — all while wondering when you’re going to watch Home Alone for the 27th time.It can be a lot.We certainly don’t have all the answers, but maybe this holiday gifting episode can relieve some of your shopping stress. 🎁And maybe this New Year Financial Checklist can guide you through a little EOY money reset. 💰And maybe you can whip up a steaming mug of cocoa to help you power through those work projects during these last weeks of the year. ☕ *We’ll certainly be doing this.We hope these tips help you sail smoothly through these last few weeks of the year and into a lovely lil’ holiday break. But before you fully disconnect (and we hope you do!), we’ve got some fun things headed your way: * Today we’re bringing you a conversation with travel and credit card expert Caroline Lupini, who’s been a digital nomad for more than a decade. * Tomorrow we’re going LIVE! We’re joining our friend Taylor Nelsen, AKA The Financial Planner, to talk about money in the media. (See more details in the Resource Roundup below). * Next week we’ll do a deep dive into Health Savings Accounts (If you think tax savings are fun — and who doesn’t ?— this will be a very good time 🤓).As always, we’re so glad you’re here — and we hope you’re finding the time to enjoy this magical, crazy season. ❄️On the pod 🎧Caroline Lupini is the managing editor of travel and credit cards at Forbes Advisor — and for as long as we’ve followed her on LinkedIn, we’ve wanted to pick her brain.Having lived and worked abroad since 2014, traveling to more than 120 countries, Caroline’s learned a thing or two about how to create a lifestyle of exploration.One thing we loved about our conversation with Caroline is how approachable she makes travel feel. She’s a big travel hacker, yes, but she doesn’t claim you have to be a big points-and-miles strategist to make it as a digital nomad. Instead, she offers practical, beginner-friendly tips you can incorporate at any budget or skill level.Here’s a bit of what we cover in this episode:* Caroline’s shifting perception of the affordability of travel</s

Do you ever see all those Instagram influencers flying business class using miles and points and think, “How TF do they do that?” Well… we sat down with points and miles expert Ross Alcorn, CEO and founder of Itinerary Boss, to figure it out.Ross has helped thousands of people turn their everyday spending into five-star luxury travel — and honestly? It's probably more attainable than you might think. We're breaking down how to choose the right credit cards for your lifestyle, why transferring points is a game changer, and how to stretch your miles further than you ever thought possible.Whether you're a total beginner or you've been sitting on points for years without knowing how to use them, this conversation will change the way you think about travel rewards. Plus, Ross shares his all-time favorite trip and his take on whether learning points and miles is always worth your time. (Spoiler: it is — even if you're not a constant traveler.)✨ Episode Highlights ✨[3:00] Ross's origin story — how he discovered travel rewards[5:00] Building your foundation: Why budgeting comes first[8:00] Choosing your first credit card & debunking the annual fee myth[14:00] Cash back vs. points: Why points absolutely win for travel[17:00] Transferring points 101[25:00] Is learning points and miles worth it if you don't travel constantly?[28:00] Planning ahead: how to strategize big purchases for bonus points[35:00] Stretching your points for maximum flexibility[38:00] Ross's dream honeymoon in Thailand & Bali ✨ Resources ✨Free Points & Miles Cheat Sheet Capital One Venture X — Recommended starter cardChase Sapphire Preferred — Another great entry pointRakuten — Earn extra points on everyday shoppingRove Miles — Find award availability and book flexible flightsBilt Card — Bilt 2.0 coming Feb 7Mesa Card — Earn on mortgage, daycare, and other homeowner expensesFollow Ross: @itineraryboss on all socials📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Do you ever see all those Instagram influencers flying business class using miles and points and think, “How TF do they do that?” Well… we sat down with points and miles expert Ross Alcorn, CEO and founder of Itinerary Boss, to figure it out.Ross has helped thousands of people turn their everyday spending into five-star luxury travel — and honestly? It's probably more attainable than you might think. We're breaking down how to choose the right credit cards for your lifestyle, why transferring points is a game changer, and how to stretch your miles further than you ever thought possible.Whether you're a total beginner or you've been sitting on points for years without knowing how to use them, this conversation will change the way you think about travel rewards. Plus, Ross shares his all-time favorite trip and his take on whether learning points and miles is always worth your time. (Spoiler: it is — even if you're not a constant traveler.)⏰ Timestamps[3:00] Ross's origin story — how he discovered travel rewards[5:00] Building your foundation: Why budgeting comes first[8:00] Choosing your first credit card & debunking the annual fee myth[14:00] Cash back vs. points: Why points absolutely win for travel[17:00] Transferring points 101[25:00] Is learning points and miles worth it if you don't travel constantly?[28:00] Planning ahead: how to strategize big purchases for bonus points[35:00] Stretching your points for maximum flexibility[38:00] Ross's dream honeymoon in Thailand & Bali Resources & LinksFree Points & Miles Cheat Sheet Capital One Venture X — Recommended starter cardChase Sapphire Preferred — Another great entry pointRakuten — Earn extra points on everyday shoppingRove Miles — Find award availability and book flexible flightsBilt Card — Bilt 2.0 coming Feb 7Mesa Card — Earn on mortgage, daycare, and other homeowner expensesFollow Ross: @itineraryboss on all socialsWant more from The Finance Girlies? Join our paid tier for spicier episodes, exclusive Q&As, and bonus content. Or subscribe to our newsletter for real talk about money — delivered straight to your inbox. 💸 This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit thefinancegirlies.substack.co

A lot of you know us as The Finance Girlies — but what you might not know is that we're also full-time freelance writers. We’ve been riding the freelance waves up and down for years, but we’d be lying if we said the past 12 months haven’t thrown us for a loop. In this insider episode, we're pulling back the curtain on what our freelance businesses actually look like in 2025. We're breaking down some numbers, the shifts we've seen, and how much the industry has changed. From attending a bleak freelancer roundtable to the impact of AI on client expectations, we're getting real about what's happening in the freelance writing space right now. But this isn't doom and gloom — we're also diving into the safety nets we've built, the mindset shifts that keep us grounded, and why we're still hopeful about the future.Whether you freelance, you're thinking about it, or you're just curious about what goes on behind the scenes of your favorite creators' day jobs, this conversation is for you.⏰ Timestamps[2:00] What freelancing actually is (a quick explainer for the uninitiated)[5:00] How the freelance industry has changed — FinCon 2021 vs. FinCon 2025[9:00] The real numbers: how our client lists and income have shifted[14:00] The pinch: less pay, more work, and changing client expectations[18:00] How AI has affected our businesses (and our mindset about it)[23:00] Safety nets we've built: emergency funds, cash cushions, and diversification[26:00] The non-monetary benefits of freelancing (flexibility, autonomy, control)[29:00] How The Finance Girlies fits into our long-term planResources:Visit us at thefinancegirlies.com This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit thefinancegirlies.substack.com/subscribe

It's rough out there -- but we're holding our own 🚢Support the show📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Frugality doesn't have to feel like deprivation — and it definitely doesn't have to ruin your holidays. In this episode, we're sitting down with our friend Kristen, AKA The Frugal Girl, to talk about stretching your dollars while actually enjoying your life. We're breaking down practical grocery strategies for when budgets are tight, tackling the guilt around holiday spending, and discovering why intentional frugality is so different from the restrictive mindsets we've all been fed.Kristen's been blogging since 2008 and has helped thousands of families spend less and live well — without the shame. We're diving into her approach to food waste, her perspective on gift-giving (and when to skip it altogether), and the simple practice that changes everything: noticing the good stuff that's already in your life.Whether you're feeling the squeeze from rising grocery prices or the pressure to spend big this holiday season, this conversation is for you.✨ Episode Highlights ✨[0:00] Intro & why we're talking about frugality in November[3:00] Kristen's origin story—where her frugal mindset came from[5:00] Strategies for stretching your grocery budget when money's tight[8:00] How to fight food waste without burning out[15:00] The frugality ≠ deprivation mindset shift[20:00] Holiday spending, gift-giving, and having the money conversation early[25:00] Meaningful gift ideas that don't cost a fortune (hello, homemade bread)[30:00] The power of noticing + practicing contentment[35:00] Frugal practices Kristen's let go of (and why that matters)✨ Resources ✨The Frugal Girl blogFood waste tips & strategiesThe perfect gift: Kristen’s beginner-friendly French bread  Follow Kristen on: Instagram, Threads, Pinterest, Facebook (@thefrugalgirl)📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Frugality doesn't have to feel like deprivation — and it definitely doesn't have to ruin your holidays. In this episode, we're sitting down with our friend Kristen, AKA The Frugal Girl, to talk about stretching your dollars while actually enjoying your life. We're breaking down practical grocery strategies for when budgets are tight, tackling the guilt around holiday spending, and discovering why intentional frugality is so different from the restrictive mindsets we've all been fed.Kristen's been blogging since 2008 and has helped thousands of families spend less and live well — without the shame. We're diving into her approach to food waste, her perspective on gift-giving (and when to skip it altogether), and the simple practice that changes everything: noticing the good stuff that's already in your life.Whether you're feeling the squeeze from rising grocery prices or the pressure to spend big this holiday season, this conversation is for you.⏰ Timestamps[0:00] Intro & why we're talking about frugality in November[3:00] Kristen's origin story—where her frugal mindset came from[5:00] Strategies for stretching your grocery budget when money's tight[8:00] How to fight food waste without burning out[15:00] The frugality ≠ deprivation mindset shift[20:00] Holiday spending, gift-giving, and having the money conversation early[25:00] Meaningful gift ideas that don't cost a fortune (hello, homemade bread)[30:00] The power of noticing + practicing contentment[35:00] Frugal practices Kristen's let go of (and why that matters)Resources:The Frugal Girl blogFood waste tips & strategiesThe perfect gift: Kristen’s beginner-friendly French bread  Follow Kristen on: Instagram, Threads, Pinterest, Facebook (@thefrugalgirl) This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit thefinancegirlies.substack.com/subscribe

Food insecurity is closer than you think — and it's affecting 40 million Americans right now, including kids, seniors, and working families. In this episode, we're breaking down what's really happening with SNAP benefits, busting the myths that are causing real harm, and sharing concrete ways you can help — whether you need support or you're in a position to give it.We're tackling the uncomfortable truths: Who actually uses SNAP? What do people really buy? And why is the stigma around food assistance so damaging? Emily shares her own experience on food stamps in college, and we walk through practical resources and actionable steps for both getting help and giving help in your community.This isn't just someone else's problem. This is about all of us.✨ Episode Highlights ✨[0:30] What SNAP is and why this moment matters historically[2:00] The myths about SNAP that are causing real harm[5:00] Cassidy’sa personal experience on food stamps in college[6:15] The stigma around SNAP and why it's so damaging[8:00] Resources if you're experiencing food insecurity right now[10:00] How to donate and volunteer in your community[15:00] Using your platform to spread awareness✨ Resources ✨If you need help:Call 211 or visit feedingamerica.org to find local food banks and meal programsLink your EBT card to DoorDash for free grocery deliveryCheck out goPuff for $50 in free groceries this monthJoin a Buy Nothing or Free Little Pantry group on FacebookIf you want to help:Feedingamerica.org — Find local food banks to donate to or volunteer withDonate cash, canned protein, shelf-stable meals, and personal care itemsVolunteer your skills (social media, marketing, delivery, coordination)Share this episode and resources with your communityContact your representatives about SNAP fundingBooks mentioned:Made by Stephanie Land📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Food insecurity is closer than you think — and it's affecting 40 million Americans right now, including kids, seniors, and working families. In this episode, we're breaking down what's really happening with SNAP benefits, busting the myths that are causing real harm, and sharing concrete ways you can help — whether you need support or you're in a position to give it.We're tackling the uncomfortable truths: Who actually uses SNAP? What do people really buy? And why is the stigma around food assistance so damaging? Emily shares her own experience on food stamps in college, and we walk through practical resources and actionable steps for both getting help and giving help in your community.This isn't just someone else's problem. This is about all of us.⏰ Timestamps[0:30] What SNAP is and why this moment matters historically[2:00] The myths about SNAP that are causing real harm[5:00] Cassidy’sa personal experience on food stamps in college[6:15] The stigma around SNAP and why it's so damaging[8:00] Resources if you're experiencing food insecurity right now[10:00] How to donate and volunteer in your community[15:00] Using your platform to spread awarenessResources mentioned in this episode:If you need help:Call 211 or visit feedingamerica.org to find local food banks and meal programsLink your EBT card to DoorDash for free grocery deliveryCheck out goPuff for $50 in free groceries this monthJoin a Buy Nothing or Free Little Pantry group on FacebookIf you want to help:Feedingamerica.org — Find local food banks to donate to or volunteer withDonate cash, canned protein, shelf-stable meals, and personal care itemsVolunteer your skills (social media, marketing, delivery, coordination)Share this episode and resources with your communityContact your representatives about SNAP fundingthefinancegirlies.com This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit thefinancegirlies.substack.com/subscribe

We're diving deep with Lori Atwood, founder of Fearless Finance, who's worked with 2,000+ clients and isn't afraid to tell it like it is. After 25+ years in finance, she's seen every money mistake in the book — and she's here to share the uncomfortable truths nobody talks about.In this episode, we explore why your biggest financial problem might not be your budget at all. We dig into "financial context" and why understanding it changes everything. Lori shares the truth about how financial advisors get paid, why wealthy people aren't flashy spenders, and what actually matters when building real wealth. This isn't typical financial advice — it's the human stuff nobody discusses.✨ Episode Highlights ✨[2:00] Lori's journey from Pell Grant kid to investment banker to financial advisor[7:00] What "financial context" actually means and why it changes everything[14:00] The uncomfortable truth about how financial advisors get paid[19:00] Why your unhappiness is sabotaging your finances[24:00] The wealth secret: what the richest people actually have in common[29:00] Why retirement (and owning your home) matters more than you think[33:00] The one thing you should do this week if you're feeling overwhelmed[36:00] How to know if you actually need a financial advisor✨ Resources ✨If you want to learn more about Fearless Finance or book a consultation, head to fearlessfinance.com or find them on social @fearlessfinance. And if you use the promo code "CASSIDYANDEMILY," you'll get $50 off your first hour. 💸📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

We're diving deep with Lori Atwood, founder of Fearless Finance, who's worked with 2,000+ clients and isn't afraid to tell it like it is. After 25+ years in finance, she's seen every money mistake in the book — and she's here to share the uncomfortable truths nobody talks about.In this episode, we explore why your biggest financial problem might not be your budget at all. We dig into "financial context" and why understanding it changes everything. Lori shares the truth about how financial advisors get paid, why wealthy people aren't flashy spenders, and what actually matters when building real wealth. This isn't typical financial advice — it's the human stuff nobody discusses.⏰ Timestamps[2:00] Lori's journey from Pell Grant kid to investment banker to financial advisor[7:00] What "financial context" actually means and why it changes everything[14:00] The uncomfortable truth about how financial advisors get paid[19:00] Why your unhappiness is sabotaging your finances[24:00] The wealth secret: what the richest people actually have in common[29:00] Why retirement (and owning your home) matters more than you think[33:00] The one thing you should do this week if you're feeling overwhelmed[36:00] How to know if you actually need a financial advisorIf you want to learn more about Fearless Finance or book a consultation, head to fearlessfinance.com or find them on social @fearlessfinance. And if you use the promo code "CASSIDYANDEMILY," you'll get $50 off your first hour. 💸Visit our website: Thefinancegirlies.com  This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit thefinancegirlies.substack.com/subscribe

This is a free preview of a paid episode. To hear more, visit thefinancegirlies.substack.comIt's our birthday! To celebrate, we're pulling back the curtain on year one of The Finance Girlies. The good. The The surprising. The bloopers. 🤪Here's what we're sharing:The real numbers (downloads, revenue, expenses — all of it)Which episodes resonated most with youThe vulnerable stuff we're still figuring outOur year 1 goals vs. realityWhat’s in store for year 2This isn't just a numbers episode. We’ve learned a lot building The Finance Girlies that we think applies to life beyond podcasting. Lessons about showing up when you're scared. Being okay with messing up. Trusting that it gets better, even when the beginning feels hard.⏰ Timestamps[00:00] Podcast birthday celebration intro[02:00] First-year podcast stats and financial breakdown[07:00] Reflection on podcast journey and challenges[11:00] Most impactful episodes that challenged money beliefs[14:00] Comparing podcast reality to initial expectations[17:00] Evolving approach to choosing episode topics[19:00] Listener wins and impact[21:00] Dream collaboration guests[23:00] Chaotic recording moments and bloopers[26:00] Future hopes and goals for the podcast[29:00] Vulnerable money moments

plus new newsletter formatSupport the show📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

It's dark. The candles are flickering, and you're about to hear some truly haunting tales. Not ghost stories, but money stories that will send shivers down your financial spine. From credit card curses to haunted house expenses, this episode is all about the scary side of money — and what we can learn from these frightening experiences.We asked our community to share their most terrifying financial moments, and wow, did they deliver. Think confessions of hidden debt, risky investment advice, and money conversations so scary they'll make your wallet tremble. Grab your favorite cozy blanket, dim the lights, and get ready to listen in on some truly spooky money moments.✨ Episode Highlights ✨[7:00] Emily and Cassidy’s recent money mistakes [10:00] Bad investing advice that led to a missed opportunity[17:00] The scariest money conversations, including negotiating and feeling vulnerable[24:00] A listener's $14,000 credit card debt confession and PowerPoint presentation[29:00] The emotional burden of financial mistakes and shame[33:00] Lessons learned from lending money to an ex-partner[36:00] Financial risks that ended up being totally worth it[40:00] A first-time homeowner's unexpected expenses and financial fears📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

It's dark. The candles are flickering, and you're about to hear some truly haunting tales. Not ghost stories, but money stories that will send shivers down your financial spine. From credit card curses to haunted house expenses, this episode is all about the scary side of money — and what we can learn from these frightening experiences.We asked our community to share their most terrifying financial moments, and wow, did they deliver. Think confessions of hidden debt, risky investment advice, and money conversations so scary they'll make your wallet tremble. Grab your favorite cozy blanket, dim the lights, and get ready to listen in on some truly spooky money moments.⏰ Timestamps[7:00] Emily and Cassidy’s recent money mistakes [10:00] Bad investing advice that led to a missed opportunity[17:00] The scariest money conversations, including negotiating and feeling vulnerable[24:00] A listener's $14,000 credit card debt confession and PowerPoint presentation[29:00] The emotional burden of financial mistakes and shame[33:00] Lessons learned from lending money to an ex-partner[36:00] Financial risks that ended up being totally worth it[40:00] A first-time homeowner's unexpected expenses and financial fears🌟 Girlies' Biggest TakeawaysFinancial mistakes are universal and don't define your worthBeing vulnerable about money can transform your financial relationshipsSome of the scariest financial risks can lead to the most rewarding opportunitiesFinancial seasons are temporary—nothing lasts forever🔗 Connect with the Finance GirliesListen to The Finance Girlies wherever you get your podcastsFollow The Finance Girlies on InstagramSubscribe to our newsletterCheck out our website This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit thefinancegirlies.substack.com/subscribe

What happens when you're the higher earner in your marriage? When your 401(k) keeps growing while your spouse builds their own business? When you're navigating motherhood, career ambitions, and being the breadwinner all at once?We love talking about money and relationships, and we're not the only ones. This episode features Jessica Norwood, who co-hosts The Sugar Daddy podcast with her financial planner husband, Brandon. What began as an outlet for his expertise has turned into something bigger: a source of honest conversations about money that break down the jargon and shame that usually come with financial advice.In this episode, Jessica breaks down the reality of out-earning her husband, how they've navigated tricky money conversations, and why they decided to get a postnup after nine years of marriage.✨ Episode Highlights ✨[7:00] Why Jessica and Brandon decided to get a postnup after nine years of marriage — and what changed their minds[10:00] The real financial dynamic of being the breadwinner when your spouse is an entrepreneur[17:00] How prenups and postnups actually strengthen marriages (not weaken them)[24:00] Breaking traditional expectations: What it's like when the woman out-earns her partner[29:00] The awkward money conversation about living with Brandon's mom — and why speaking up mattered[33:00] How to normalize talking about money with friends without making it weird[36:00] Why women who talk about money with other women are 2x more likely to invest[40:00] The investing mistake Jessica wishes she could undo from her 20s📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Hey Girlies,Here’s something that doesn’t get talked about enough: what it’s like to be the higher earner in your relationship.Not the shame or guilt society wants you to feel about it — the real, everyday dynamics of navigating money when you out-earn your partner, and what it means for your relationship decades from now.Luckily, today’s guest Jessica Norwood has a lot to say on the matter. Jessica works in tech and co-hosts The Sugar Daddy Podcast with her husband Brandon (a financial planner). She’s the higher earner in their relationship, and she’s got some serious wisdom about navigating the dynamics that come with it.One of the biggest decisions Jessica and Brandon made was getting a postnup after nine years of marriage.Not because their marriage was struggling, but because they realized something crucial: they were already in a financial contract. They just hadn’t written the terms themselves. (If you listened to last week’s episode with divorce attorney Aaron Thomas, this may sound familiar!)Jessica and Brandon started thinking about a postnup like insurance — protection for something valuable, not a prediction of disaster.And the real value wasn’t even the document itself (though it covers everything from retirement accounts to student loans to supporting aging parents). It was the conversations they had while creating it.When you talk through “what if” scenarios while you still genuinely like each other, you surface expectations and values that might otherwise stay buried until they become resentments.And speaking of difficult conversations — Jessica’s had her share of those too.Early in their relationship, Brandon’s mom was supposed to stay with them occasionally while teaching at a nearby university. Then her schedule exploded and suddenly there were three adults living in the house full-time.Jessica had to speak up: “Your mom is living here. What’s her contribution?”Brandon was genuinely confused. His single mom sacrificed everything for him — how could he ask her for money?But here’s what Jessica realized in that moment: different upbringings create wildly different money perspectives.What seemed like no big deal to Brandon felt completely unfair to Jessica. The lesson she learned? Speak up before it festers into resentment. 😡This experience actually shaped provisions in their postnup about what happens if aging parents need to move in. These aren’t just theoretical “what ifs” — they’re real situations that happen to real couples, and they’re things they want to be prepared for.Hearing Jessica tell this story reminded us that we need to be having more of these conversations with

Would you sign a contract governing half your assets and your entire financial future without reading it first? Because that's exactly what happens when you get married without a prenup.Harvard lawyer Aaron Thomas spent years watching couples drain their savings in divorce court before he realized something crucial: marriage is already a financial contract. You're just letting the state write the terms instead of writing them yourself.In this episode, Aaron makes the case that prenups aren't about planning for divorce — they're about having the money conversations most couples avoid until it's too late.✨ Episode Highlights ✨[1:00] How one Love Is Blind moment captured the classic misconception of prenups[3:00] What Aaron learned after 1,000+ divorces that completely changed his mind about prenups[10:00] The #1 money issue destroying marriages — lack of transparency and what it really means[17:00] Why prenups are MORE important for middle-class couples than wealthy ones[21:00] How marriage has changed from garage startup to corporate merger since the 1960s[28:00] What lower-earning partners should ask for in a prenup (and why it protects them)[32:00] Aaron's exact script for bringing up the prenup conversation without causing drama[39:00] What about postnups? Yes, you can still protect yourself if you're already married[45:00] If Aaron were dictator: Why prenups should be the default for everyone📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Hey Girlies,Quick question: Would you sign a contract governing half your assets, your retirement accounts, and years of your financial future without reading it first?Because that’s literally what happens when you get married without a prenup.Marriage is already a financial contract. You’re just letting the state write the terms instead of writing them yourself.We know, we know — prenups sound unromantic. They feel like admitting defeat before you even start. But after talking with divorce attorney Aaron Thomas (who’s handled over 1,000 cases), we have a fresh new take on the power of prenups.In this week’s episode, Aaron walks us through:* The #1 issue he sees destroying even good marriages* Why middle-class couples actually need prenups MORE than wealthy people* What prenups can do for your marriage while you’re happily in it * Aaron’s exact script for bringing up the prenup conversation without it turning into a Love is Blind drama momentThe conversation we had isn’t really about divorce at all. It’s about the money conversations couples need to have but keep avoiding (until something goes wrong).Things like… Who handles what? How do we make big financial decisions together? What happens if one of us takes time off work? How do we make sure we’re both building wealth, even if one partner earns less?Aaron’s approach is to answer these questions when you love each other, not when you’re sitting in a lawyer’s office wishing you’d talked about this years ago.Whether you’re dating, engaged, or already married, this episode will change how you think about money and partnership. 💍Seriously, this episode — and a good prenup — is for everyone.See ya next time,Emily + CassidyP.S. If you want to go even deeper, Aaron wrote a whole book about this — The Prenup Prescription. You can also find him at prenups.com or @prenupguy on Instagram.P.P.S. An upcoming Finance Girlies guest (our friend Jessica Norwood) loved Aaron’s advice so much, she and hubby Brandon hired him to help them create a postnup. Listen to that story here! This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit thefinancegirlies.substack.com/subscribeSupport the show📩 Join The Finance Girlies email list: https://www.thefinancegirlies.com/email-sign-up💻Visit Th

We just got back from FinCon — the biggest personal finance conference in the country — and we're buzzing with ideas, connections, and inspiration for The Finance Girlies community.If you've never heard of FinCon, picture this: around 2,000 personal finance creators, writers, coaches, and entrepreneurs gathered in one place for three jam-packed days of learning, networking, and nerding out about money topics. From TikTok influencers to seasoned bloggers who've been at this since 2008, the diversity of people and business models was incredible.✨Episode Highlights✨[1:00] Our three main goals for attending and how they differed from Cassidy's 2021 experience[3:00] Emily's first-time impressions and the surprising diversity of finance creators (hint: lots of TikTok influencers!)[6:00] Cassidy's favorite session -- Angie Matthews' keynote on embracing who you are and integrating those identities into your work[12:00] Emily's favorite session: Why financial content isn't working — Kelsa Dickey's eye-opening talk on behavior change and the "less, simpler, sooner" framework[15:00] The video content conversation we didn't want to have (but know we need to)[16:00] Connecting with podcast guests Jessica Norwood and Jillian Johnsrud in person[18:00]  How we met two OG finance bloggers who've been at this since 2008[19:00] What we're excited to try — From video experiments to community building inspiration[21:00] Our thoughts on returning to FinCon vs exploring podcast-specific conferences📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Hey girlies,We just got back from FinCon (aka the place where ~2,000 finance nerds gather to talk shop), and our brains are buzzing with ideas we can’t wait to share with you.FinCon is basically where everyone who creates finance content goes to learn, network, and figure out how to actually help people with their money. Think TikTok creators, seasoned bloggers, financial coaches, and yes, your two favorite podcast hosts all in one place.Here’s what stuck with us:Too much information isn’t actually helpfulWe heard this loud and clear from financial coach Kelsa Dickey: most financial advice isn’t working because we’re overwhelming people with too much information.Her magic formula? Less, simpler, sooner.Translation: You don’t need a 47-step budget plan. You need 2-3 things you can do right now. Your “flaws” might be your superpowerAnge Matthews gave a fantastic keynote that had us scribbling in our notebooks. It was all about your little quirks and how to lean into them.Her point: Instead of hiding the parts of yourself that feel “unprofessional” or “too personal,” show them off. If you’re someone who thrifts, loves reality TV, or struggles with anxiety — those aren’t things to push aside. They’re what make you relatable and real.So, if you hear more about our pets, book clubs, and craft projects… 🤓 …this is why!Testing and adapting is everythingOne thing that kept coming up: the importance of experimenting with your approach instead of sticking to what you’ve always done. Financial coach Chloe Daniels emphasized how crucial it is to test, change, and adapt — especially when you’re trying to *actually* help people.This hit home because we’re still figuring out what resonates most with you all. What topics do you want us to dive deeper into? What format works best? We’re in full experiment mode, and we’d love to hear your suggestions.Community over contentThe best part of FinCon wasn’t the sessions — it was meeting people IRL. We got to hug Jessica from The Sugar Daddy Podcast, sat in on Jillian Johnsrud’s final keynote about retiring often, and connected with some incredible new blogger friends who’ve been at this since 2008.It reminded us that behind all the spreadsheets and investment strategies, what people really want is to feel less alone with their money stuff.So what’s changing with The Finance Girlies?Nothing major, but we’re excited to experiment with some new podcast topics, resources, and formats. We’re taking the “less, simpler, sooner” approach to heart in order to have a bigger impact. And for the rest of our ideas… y

This is a free preview of a paid episode. To hear more, visit thefinancegirlies.substack.com“Money isn’t everything.” It’s advice many of us grew up hearing—from family members, TV shows, even Hallmark movies. But if you’ve ever lived paycheck to paycheck, carried debt, or panicked about an unexpected expense, you know it’s not the full story.In this episode of The Finance Girlies, we unpack what this phrase really means, where it comes from, and why it can sometimes hold you back. We also share personal stories from our early careers, what research says about money and happiness, and how to figure out your own “enough” number.Timestamps:00:00 – Cassidy’s recent conversation that sparked this episode01:45 – Why Hallmark movies reinforce the “money vs. happiness” myth03:30 – Our first low-paying jobs out of college05:00 – Where the phrase “money isn’t everything” comes from09:30 – Where this phrase becomes unhelpful11:45 – Case study: America's Sweethearts13:30 – Case study: Maid14:30 – What it's like to live on $25k vs. $25 million16:30 – Cassidy's anchor point: how where she grew up affected her perceptions of money22:30 – What is money, actually? Money as security vs. money as status27:45 – Real stories: taking pay cuts for happiness (and regrets)31:00 – Our personal experiences earning more through freelancing32:30 – How to find your “enough” numberResources: Johnny Harris video: $25,000 vs. $25,000,000Maid by Stephanie Land (book + Netflix series)Wharton study on money and happinessNetflix show: America's SweetheartsTikTok clip: shesspeakingwithemilySupport the show📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Unpacking this loaded phraseSupport the show📩 Join The Finance Girlies email list: https://www.thefinancegirlies.com/email-sign-up💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Ever feel like you're constantly stressed about money even when you're technically doing okay? Or wonder why you still feel anxious despite having an emergency fund and being on track for retirement? You might be experiencing money dysmorphia — the disconnect between how we feel about our finances versus our actual financial reality.Julie Guntrip, Head of Financial Wellness at Jenius Bank, breaks down why millennials and Gen Z in particular suffer from this phenomenon — and how our generation's unique financial journey (hello, recession, pandemic, and inflation) has left us in a constant state of money anxiety. Whether you're tired of feeling behind despite doing everything "right" or ready to reset your internal money narrative, this episode offers the validation and practical tools you need.✨ Episode Timestamps ✨[02:00] Julie's personal journey to financial independence and the defining moments that built her confidence[08:00] What is money dysmorphia and how it shows up on a spectrum[10:00] The research: Why millennials feel conflicted about their financial situation[17:00] How social media warps our perception of financial health[19:00] Signs you might be struggling with money dysmorphia[25:00] Inflation fatigue and "vibe-based budgeting"[30:00] The power of emergency funds for mental health (even starting with $200)[34:00] How to reset your "I'm bad with money" narrative through education[40:00] Aligning spending with your values[45:00] How the definition of wealth is changing across generations[52:00] Julie's magic wand wish for how our culture talks about money✨ Resources ✨Connect with Julie: LinkedIn: Julie GuntripWebsite: jeniusbank.com Instagram: @jeniusbank📩 Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter💻Visit The Finance Girlies website: https://www.thefinancegirlies.com/💖Email us your money questions: [email protected]📸Follow us on Instagram:https://www.instagram.com/thefinancegirlies/

Ever feel like you're constantly stressed about money even when you're technically doing okay? Or wonder why you still feel anxious despite having an emergency fund and being on track for retirement? You might be experiencing money dysmorphia — the disconnect between how we feel about our finances versus our actual financial reality.Julie Guntrip, Head of Financial Wellness at Jenius Bank, breaks down why millennials and Gen Z in particular suffer from this phenomenon — and how our generation's unique financial journey (hello, recession, pandemic, and inflation) has left us in a constant state of money anxiety. Whether you're tired of feeling behind despite doing everything "right" or ready to reset your internal money narrative, this episode offers the validation and practical tools you need.Episode Timestamps:[02:00] Julie's personal journey to financial independence and the defining moments that built her confidence[08:00] What is money dysmorphia and how it shows up on a spectrum[10:00] The research: Why millennials feel conflicted about their financial situation[17:00] How social media warps our perception of financial health[19:00] Signs you might be struggling with money dysmorphia[25:00] Inflation fatigue and "vibe-based budgeting"[30:00] The power of emergency funds for mental health (even starting with $200)[34:00] How to reset your "I'm bad with money" narrative through education[40:00] Aligning spending with your values[45:00] How the definition of wealth is changing across generations[52:00] Julie's magic wand wish for how our culture talks about moneyConnect with Julie:LinkedIn: Julie GuntripWebsite: jeniusbank.com Instagram: @jeniusbank📩 Join The Finance Girlies on Substack: https://thefinancegirlies.substack.com/ 💖 Email us your money questions: [email protected] 📸 Follow us on Instagram: https://www.instagram.com/thefinancegirlies/🎉 Join The Finance Girlies Insiders by upgrading on Substack and enjoy:Bonus episodes, starting with anonymous wedding confessions, money