S4 E24 How to Stop Overspending and Start Making Smarter Money Decisions

Think women are bad with money? Think again. In this episode, we unpack the truth about spending habits, financial confidence, and why intelligent spending—not restriction—is the real key to taking control of your money. If you’ve ever felt guilty after buying something, avoided checking your bank account, or swung between being overly frugal and overspending, you’re not alone. And more importantly—you’re not broken. Phoebe shares real-life examples of how intentional spending works in practice, including how she saved over $300 on headphones and cut the cost of a 20-book series down to $40—without sacrificing quality or outcomes. This episode introduces a simple but powerful 4-question framework to help you make smarter financial decisions on any purchase over $50. It’s practical, realistic, and designed for women who want to feel in control of their money again. Because financial confidence doesn’t come from earning more—it comes from knowing how to decide.