The Finance Girlies

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 on bank accounts: Q&A: Choosing the right bank accounts / 3Finance Girlies episode on travel: Points & miles 101 with Ross Alcorn: Turn your credit card rewards into free travel / 52Finance Girlies episode with Arden Missal: She didn’t want to shrink her lifestyle — so she paid off $150K in debt, fast / 74Support 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 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 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 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 this article.The discussion is intended for general educational purposes only and is not tax, legal, or investment advice for any individual. Cassidy, Emily, and The Finance Girlies podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. 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/

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?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 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 JournalSupport 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/

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 OlsonSupport 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/

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)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 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?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/

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 PlannerSupport 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/

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 @ladiesgetpaidSupport 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/

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: @moneycoachkelsaSupport 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 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)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/

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.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/

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 FidelitySupport 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 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 TribeSupport 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/

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 socialsSupport 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)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/

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 LandSupport 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/

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. 💸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/

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 fearsSupport 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/

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 20sSupport 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/

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 everyoneSupport 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/

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 conferencesSupport 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/

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: @jeniusbankSupport 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/

What if your everyday money choices could actually change the world? Meet Kara Pérez, founder of Bravely Go and author of "Money for Change," who proves that aligning your finances with your values doesn't mean sacrificing your financial goals.From $20,000 in student loans to building a business around values-based financial education, Kara shares how she paid off debt in 10 months and discovered the hidden power behind where we put our money.This conversation challenges everything you think you know about "good" financial advice. Kara explains why 70% of the US economy runs on consumer spending, how to spot financial greenwashing, and why your bank choice is more powerful than you realize.✨ Episode Timestamps ✨[03:00] Kara's origin story: the I-35 breakdown that changed everything [07:00] How she paid off $18,000 in student loans in 10 months (with creative side hustles) [12:00] What sustainability-focused financial education actually looks like [16:00] Why naming systems (not just symptoms) matters in personal finance [21:00] Why the big four banks are funding what you're fighting against [25:00] How overconsumption is designed to keep you spending [32:00] Simple steps to align your money with your values (starting with banks) [37:00] Financial greenwashing: how to spot fake eco-friendly marketing [47:00] Planning for the future when you're intentionally child-free [52:00] Getting started with ethical investing (it's not about perfection)✨ Resources ✨Connect with Kara:Website: bravelygo.co Socials: @webravelygo YouTube: @bravelygoBook: Money for ChangeSupport 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/

What if taking extended time off work could actually boost your lifetime earning potential? Meet Jillian Johnsrud, who by age 40 has taken over a dozen "mini retirements" — month-long career breaks that allowed her to travel to 27 countries, buy real estate, learn new skills, and completely reinvent her career.This conversation reveals why switching jobs combined with strategic breaks often leads to bigger raises than staying loyal to one employer. Jillian shares her funding formulas, creative strategies, and why some dreams can't wait for traditional retirement.Whether you're burned out, curious about career breaks, or just tired of postponing the life you actually want, this episode will shift your perspective on what's possible.✨ Episode Timestamps ✨[05:00] Jillian’s very first mini retirement: the cross-country road trip that changed everything[07:00] How mini retirements can increase your lifetime earning potential[11:00] Signs you might need a mini retirement vs. just a vacation[15:00] The most accessible first steps for planning a career break on any budget[22:00] Jillian's experiences that unexpectedly changed her perspective[24:00] How much money to save and avoiding over-preparation paralysis[30:00] Preparing your business for a mini retirement when you're self-employed[39:00] Designing intentional, transformative breaks (not just unstructured time off)[46:00] What to do if you’re scared to step away for career break[48:00] Dreams with expiration dates and the seasons of life that won't wait[52:00] Rapid fire: packing essentials, dream locations, and money advice✨ Resources ✨Connect with Jillian:Website: retireoften.com Social: @jillianjohnsrudPodcast: Retire Often PodcastBook: Retire OftenSupport 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/

Laura Shepherd's financial story didn't start at 22 with her first job or even at 30 with a promotion. It started in her 40s, when she opened her first bank account in her own name.For nearly 20 years, Laura lived in a financially controlling relationship where her ex handled all the money while she raised the kids. She'd internalized the story that she was "bad at math," and therefore, “bad at money.”After splitting with her ex, Laura had to figure out how to earn and manage money for the first time – in her forties. And with a neurodivergent brain, the classic budgeting frameworks just didn’t work. This conversation dives deep into the intersection of neurodivergence and money management. Laura shares her $30 impulse budget strategy, how she thrives on simplicity, and how curiosity beats criticism every time. Her story is proof that it's never too late to rewrite your financial narrative — you just need to start a new page.✨ Episode Highlights ✨[02:00] Laura's journey from having no bank account in her own name to rebuilding financial independence after divorce [06:00] The moment Laura realized she could make money — and it wasn't as hard as she thought [08:00] Why neurodivergent women aren't lazy — they're overloaded [10:00] The neurodivergent experience with impulse spending and why shame spirals hit differently [16:00] Laura's $30 impulse budget and the questions that stop shame spirals [21:00] Why budgeting apps weren't built for neurodivergent brains [23:00] Moving from avoidance to curiosity (and why fear was Laura's catalyst) [27:00] Why "you haven't messed up too much" — you've just been adapting [30:00] The power of naming your accounts to make money feel less like an enemy [22:00] Laura's Friday money ritual and keeping things simple [33:00] Laura's recent money wins✨ Resources ✨Connect with Laura:Substack: Wild Minds at MudhollowWebsite: laurashepherdcopy.com Instagram: @laurashepherdcopySupport 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/

Financial advisor Zina Kumok grew up with something most American kids never get: total transparency about money. Her immigrant parents discussed salary negotiations, 401(k) matching, and insurance trade-offs over dinner like other families talk about the weather. The result? By college, she understood finances better than most.But here's the twist — even with all that knowledge, Zina avoided writing about investing for years because she didn't feel "qualified enough." Then a friend at a finance conference asked her a game-changing question: "You think these guys know more than you do?" Spoiler alert: They didn't.This conversation covers everything from why conservative investing can hurt women to Zina's perfect pecan pie analogy for getting started (trust us, you'll never forget it). Zina’s story is packed with insights that'll change how you think about money, investing, and what it means to be "qualified."✨ Episode Highlights ✨[03:00] Early money memories [08:00] Zina’s start as a small-town reporter [15:00] Why immigrant parents accidentally give the best money education [23:00] The moment that changed Zina's perspective on investing [28:00] Why women avoid investing (and why that's actually risky) [35:00] The 401(k) mistake that costs people decades of growth [42:00] Zina's investing philosophy [49:00] Teaching kids about money [54:00] Navigating the US financial system as an immigrant family [1:00:00] The one thing to do before you change anything about your money✨ Resources ✨Connect with Zina:Instagram: @advisorzinaWebsite: chdouglas.com 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/

Moving across the country is expensive enough — but what happens when you decide to sell literally everything you own and start completely over? That's exactly what Cassidy did when she moved from Washington to Minnesota after her divorce.Instead of renting a $2,500 pod, her mom had a wild idea: What if she just kept what fits in her car and sold everything else? Three weeks later, Cassidy had somehow turned her stuff into $7,500 cash. But here's the thing — starting fresh meant buying everything new, from silverware to a $1,700 mattress. This episode breaks down every dollar she spent (and made) plus all the feelings that come with these kinds of major money decisions.✨ Episode Highlights ✨[02:00] Why Cassidy scrapped her original moving plan[08:00] Using ChatGPT to price everything on Facebook Marketplace[16:00] Moving day disaster: kitchen scissors vs. memory foam mattress[20:00] The emergency Home Depot van rental solution[23:00] What it actually costs to buy everything new[28:00] Why a $1,700 mattress was worth every penny[32:00] The psychology of starting fresh and buying intentionally[38:00] Would Cassidy do it this way again?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/

Whether you're navigating divorce, supporting someone who is, or just ready to stop being a financial spectator in your own life, this conversation can help. Myra Alport is an accredited financial coach with over 20 years of experience who, after her own "gray divorce" following a 27-year marriage, helps women become their own CFOs with confidence, clarity, and humor.This episode gets personal as Cassidy opens up about her divorce journey, adding some perspective to Myra's expert insights. We dive into why so many women end up on the financial sidelines, practical steps to take control of your money (whether you're married, single, or somewhere in between), and why avoiding one specific word might be the most powerful financial move you can make.✨ Episode Highlights ✨[02:00] Myra's journey from traditional financial planning to divorce coaching[04:00] Why women become financial spectators in their own lives[08:00] How financially prepared are women for divorce?[10:00] The emotional and mental challenges of untangling finances[12:00] How to financially prepare for a looming divorce[14:00] What it really means to become your own CFO[17:00] Financial coach vs. financial advisor: Which one do you need?[19:00] What it means to pair spending with values[22:00] Why you need to think about yourself at age 90 (and beyond)[26:00] The one word Myra wishes every woman would stop using[33:00] Rapid fire: Myra's coaching style, favorite tools, and recent splurge✨ Resources ✨Connect with Myra: 🌐 Visit her website🔗 Connect on LinkedIn📧 Send her an email at [email protected] 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/

Money conversations don't have to feel awkward or create drama — they just require a little honesty and practice. In today's Q&A episode, we're tackling all the relationship scenarios that make your palms sweaty: navigating different income levels with friends, splitting costs with a new partner, handling family gift expectations, and everything in between.Whether you're wondering how to tell your bestie you can't afford that girls trip or figuring out finances with someone you just started dating, we've got some ideas for keeping your relationships strong while protecting your financial boundaries.This one's for anyone who's ever smiled and nodded through expensive plans while internally panicking about their budget — we see you, and we've got your back.✨ Episode Highlights ✨ [03:00] When one partner gets a big raise, should you lifestyle creep together or separately? [05:00] How to split expenses without Venmoing each other constantly [08:00] Should you tell your partner about every purchase? [11:00] When should you tell your partner about debt? [13:00] How should you split travel expenses when you’re in a new relationship? [17:00] How should you handle a restaurant tab with friends? [20:00] What to do when friends suggest expensive plans you can't afford [26:00] How to maintain friendships across different financial stages [27:00] Is it weird to talk about your salary with friends? [31:00] How to handle holiday gift expectations  [38:00] Should you give unprompted financial advice to family members? [42:00] Who pays for family trips? (And what if you don't even want to go?) [49:00] Should you ever loan money to a family member?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/

Summer is for slowing down, not stressing about money. In this episode, we're sharing our favorite chill money moves that you can do while lounging poolside, waiting in line at the farmer's market, or taking a sunset stroll. We're talking about financial progress that doesn't require spreadsheets, complicated budgets, or giving up everything that makes summer fun. These are small, meaningful steps you can take without disrupting your hammock time or beach day plans.If you're not trying to do a full financial overhaul in July but still want to feel more in control without sacrificing what makes summer special, this one's for you, girlies.✨ Episode Highlights ✨[01:00] Why Emily's summer mindset inspired this whole episode[02:30] Quick awareness wins you can do anywhere[05:00] Impulse control tactics that actually work[07:30] Temperature-based savings game[08:30] Cassidy's Facebook Marketplace empire (and what people actually buy!)[11:30] Fun that won't break the bank: creative summer ideas[12:00] That amazing beach birthday party story[15:30] Set-it-and-forget-it growth moves[17:00] Creating your "Someday" list for financial tasks✨ Resources ✨Summer Finance Checklist 😎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/

In this episode, we’re doing something a little scary: sharing exactly what we spent on some recent vacations. No vague answers — just real numbers and honest thoughts about what felt worth it.Cassidy breaks down her incredible 13-day Italy adventure through four different cities, while Emily shares what she spent on a Utah desert trip that was basically winter therapy. We're getting into the details of flights, hotels, food tours, e-bike rentals, and yes — even that overpriced airport sandwich.Whether you're dreaming of your own big trip, trying to figure out realistic travel budgets, or just curious what people actually spend when they're being honest about it, we think this conversation might be exactly what you need to hear.✨ Episode Highlights ✨[01:00] Why we decided to share our real travel spending [02:00] Cassidy's Italy adventure: Rome, Cinque Terre, Dolomites & Venice [03:00] Flights and transportation breakdown [07:00] Lodging choices: paying for location vs. saving money [08:00] Tours, activities, and food: what made the cut and why [13:00] The comments that proved everyone thinks about money differently [17:00] Emily's Utah trip: winter escape to the desert [19:00] Flight sticker shock and why some trips are just worth it [21:00] Credit card perks that actually saved the day [24:00] The e-bike splurge that became the trip highlight [26:00] What we'd definitely spend on again vs. skip next time [29:00] Small wins that actually added up to big savings [32:00] Why your travel budget doesn't have to look like oursSupport 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/

Ever catch yourself saying "I'm just bad with money" and wonder why you feel so much shame around your finances? This episode might just change how you think about your relationship with money forever.Ariel Nathanson, founder of Finances for Feminists and certified financial education instructor, joined us for an amazing conversation that digs into why our money struggles often aren't personal failures. Instead, they're the result of systems that weren't built with women in mind.If you've ever felt behind on investing, guilty about your spending, or overwhelmed by financial advice that doesn't seem to fit your life, this episode will help you reframe those feelings and take some concrete next steps.✨ Episode Highlights ✨[03:00] Ariel's journey from software executive to financial educator[06:00] Why financial feminism matters (and what it actually means)[11:00] The Equal Credit Opportunities Act of 1974—and why it matters today [14:00] "It's not a you problem, it's a system problem" [18:00] How money conversations feel exclusionary (and what to do about it) [22:00] Mindful spending: the framework that actually works[24:00] Adding friction to impulse purchases [27:00] The one-week spending tracking method [34:00] Investing basics: You're probably already doing it [37:00] Understanding fees and why they matter so much [40:00] The Zillow test for investment anxiety [42:00] One small action you can take this week [44:00] Ariel's best recent purchase and how to stay in touch✨ Resources ✨Connect with Ariel Nathanson:Website: financesforfeminists.com 🌐Newsletter: financesforfeminists.com/newsletterInstagram: @financesforfeministsSupport 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/

Missing those childhood summers when you could read for hours without a care in the world? We're bringing back that magic with our favorite fiction, memoirs, and pure escapist reads for those lazy midsummer days.In part 2 of our summer reading series, we're diving into seven categories of books designed for pure enjoyment. We also get honest about how our reading habits have evolved over the years, share what's currently stacked on our summer TBR lists, and challenge each other with book picks we have to report back on.Whether you're craving light entertainment or something that completely transports you to another world, this episode will give you plenty of options for your summer reading stack.✨ Episode Highlights ✨[00:05:00] "The one your book club will actually want to discuss" [00:08:00] "Perfect beach read for lazy days" [00:11:00] "Audio book for your summer road trip" [00:16:00] "I can't put it down page-turner" [00:19:00] "Guilt-free escape" [00:24:00] "Cozy evening read" [00:27:00] "Books that make you want to put your phone away" [00:31:00] What's on our summer TBR lists ✨ Resources ✨📚 Books Mentioned:Lessons in Chemistry by Bonnie GarmusFirekeeper's Daughter by Angeline BoulleyWe Are The Beast by Gigi GriffisLies and Weddings by Kevin KwanI'm Glad My Mom Died by Jennette McCurdyEducated by Tara WestoverThe Seven Husbands of Evelyn Hugo by Taylor Jenkins ReidBreathless by Amy McCullochRomantic Comedy by Curtis SittenfeldVera Wong's Unsolicited Advice for Murderers by Jesse Q. SutantoIona Iverson's Rules for Commuting by Claire PooleyA Bit Much by Lindsay RushMilk and Honey by Rupi KaurThe Sun and Her Flowers by Rupi KaurInstructions for Traveling West by Joy SullivanThe Invisible Life of Addie LaRue by V. E. SchwabThe Hour of Land by Terry Tempest WilliamsBeach Read by Emily HenryShades of Magic trilogy by V. E. SchwabRich Girl Nation by Katie Gatti TassinWild Dark Shore by Charlotte McConaghyGod of the Woods by Liz MooreWe Solve Murders by Richard OsmondSupport 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 self-help books that feel bro-y and out-of-touch? Us too. That’s why we're excited to share the reads that genuinely changed our relationships with money, gave us confidence in our careers, and made us feel less alone in our financial journeys — just in time for summer days by the pool.In part 1 of this 2-part episode, we break down our favorite reads across six categories: Money books that don't feel like a choreBooks that have shifted our entire money mindset Financial classics worth your timeCareer-leveling must-readsFascinating nonfiction to keep you curiousBooks that made us feel completely seen Whether you're looking to finally tackle investing, level up your career, or just want something that makes personal finance feel like a conversation with your smartest friend, we've got you covered with this summer TBR list. Join us next week for part 2: our favorite fun + fiction reads!✨ Episode Highlights ✨[01:30] Our reading habits and how often we dive into finance books [03:30] "The money read that doesn't feel like homework" [07:45] "The read that'll change your relationship with money" [13:00] "The financial classic worth revisiting" [17:00] "The book that'll help you level up your career" [20:00] "Learn something new nonfiction" [25:00] "The one that'll make you feel seen" [30:00] What's coming in part two: fiction and fun reads✨ Resources ✨📚 Books Mentioned: Money for Couples by Ramit Sethi How to Money by Jean Chatzky and Katheryn Tuggle The Psychology of Money by Morgan Housel We Should All Be Millionaires by Rachel Rogers Total Money Makeover by Dave Ramsey A Simple Path to Wealth by JL Collins I Will Teach You To Be Rich by Ramit Sethi Bet on Yourself by Sarah Turner We Should Get Together by Kat Vellos How to Win At Travel by Brian Kelly Untamed by Glennon Doyle The Perfectionist's Guide to Losing Control by Katherine Morgan SchaflerUntamed by Glennon DoyleSupport 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/

Is your health budget constantly competing with your financial goals? In this eye-opening conversation with Amanda Bourbonais, founder of Health First Freelancer, we dive into what happens when you make wellness a non-negotiable. Amanda shares how she built a six-figure freelance business while managing chronic Lyme disease and dedicating a big of her budget to health expenses.We explore Amanda's approach to health spending (treating it like rent — absolutely essential), her journey from $20/hour jobs to a thriving freelance business, and even her experience ditching traditional insurance for an alternative that costs under $200/month. Whether you're managing a chronic condition or just trying to prioritize wellness without going broke, Amanda offers practical strategies that don't require a six-figure income — from budget-friendly supplements to simple mindset shifts that make health spending feel less guilt-inducing.✨ Episode Highlights ✨[03:00] Amanda's journey with chronic Lyme disease to creating Health First Freelancer [09:00] What being a "Health First Freelancer" means in practice [13:00] When health became a financial priority for Amanda [18:30] Breaking down Amanda's monthly health budget[24:00] Budget-friendly health tips for those without six-figure incomes [28:00] Overcoming limiting money beliefs as a freelancer [39:00] Amanda's health budget categories and priorities [42:00] CrowdHealth: Amanda's alternative to traditional health insurance [49:00] Inside the Health First Freelancer community ✨ Resources ✨Connect with Amanda: YouTube: @healthfirstfreelancerHFF newsletter: health-first-freelancer.kit.comSupport 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/

Ever notice how your chest tightens when you think about checking your bank account? Or how a stressful day somehow leads to an Instagram purchase you may later regret? If so, you're not the only one. The connection between money and mental health affects nearly half of Americans, creating cycles that can feel impossible to break.In this conversation, we open up about our own financial stress triggers, share the jaw-dropping stats that made us realize this isn't just a "you problem," and explore why even simple money tasks can feel completely overwhelming when you’re struggling with your mental health. Most importantly, we offer gentle, judgment-free strategies that don't require a complete financial overhaul — just small, sustainable steps that help soften the edges of money anxiety. ✨ Episode Highlights ✨ [04:00] The shocking statistics on money and mental health [06:00] How financial stress and mental health affect each other [07:00] Our personal experiences with stress shopping and financial avoidance [09:00] Why talking about money still feels so shameful [13:00] Breaking down the harmful "pull yourself up by your bootstraps" mentality [15:00] Practical, gentle strategies for managing financial stress [20:00] How to start breaking your own money stress cycleSupport 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/

The world of credit cards can be a little overwhelming. From understanding interest rates and fees to points-hacking and rewards , it can be hard to figure out which cards are actually worth having.That's why today, we're literally opening our wallets to show you the credit cards we each carry around. But don't worry, we're not points-optimization wizards spending hours tracking categories or timing applications. We're just two regular gals who've figured out how to get some pretty sweet perks without making our money lives too complicated.✨ Episode Highlights ✨[00:00:00] The cards in our wallets right now [00:05:00] Emily's personal credit cards and annual fee philosophy [00:09:00] Cassidy's credit card lineup and favorite card [00:15:00] How we split spending between different cards [00:21:00] Our business credit cards (spoiler: we have the same one!) [00:27:00] Why keep business and personal spending separate [00:29:00] How we actually use our points and rewards [00:35:00] Our credit card philosophies and how they've evolved [00:43:00] Credit score checks, regrets, and final thoughtsSupport 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/

Anyone else think the wedding industry can be a little bit... extra? From the average wedding cost ($33,000) to the costs incurred as a guest, we're breaking down why weddings are so expensive… and how we think about spending when it comes to throwing the biggest party of your life. In this episode, we share what we personally prioritized for our own weddings, which traditions feel overrated, and how to create a meaningful celebration without giving in to industry pressure. ✨ Episode Highlights ✨[04:00] The shocking statistics: average wedding costs [07:00] How much these Reddit users spent as wedding guests or members of the bridal party [10:00] Our takes on overrated wedding expenses [19:00] Would you rather: wedding expense edition[31:00] Why the wedding industry is like this: social media pressure and "wedding tax" [37:00] What actually mattered to us as brides[43:00] Memorable wedding moments that weren't flashy but made a big impression [46:00] Finding your own wedding valuesSupport 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/

Summer is just around the corner, and while we're all mentally planning beach trips and patio drinks, our bank accounts are quietly dreading what's coming. In this episode, we break down those sneaky seasonal expenses that somehow surprise us every single year. From al fresco dinners out to wedding travel costs, we're getting real about our own summer spending habits. Spoiler: We both spend more this time of year! Not only do we help you plan for what’s coming, we also cover practical strategies to enjoy summer for less.Episode Highlights:[02:00] Why Emily's fun money mysteriously vanishes during patio season[03:00] Cassidy's YNAB revelation: May/June = most expensive month for 3 years straight[05:00] "Summer Slippers" – those little expenses silently draining your account[08:00] Travel, weddings, and the pet-sitting costs we always forget to budget for[12:00] The real cost of keeping kids entertained all summer long[13:00] Freelancer alert: preparing for the summer income slump[18:00] Napkin math and creative budget-trimming for summer splurges[21:00] How to score summer gear without the sticker shockThis 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📩 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/

You know about Dry January, right? It’s where you give up alcohol for the first month of the year. This idea inspired our own challenge, and in March, we each gave up a specific type of spending to see what would happen. For Cassidy, that meant cutting out Amazon completely, while Emily challenged herself to shop only at local businesses for all discretionary purchases. We called it Dry March and recorded everything to share in this episode.What began as a money experiment revealed a lot about convenience, community, connection, and the hidden mental load of modern shopping habits. ✨ Episode Highlights ✨[03:00] Cassidy's surprising discoveries about her Amazon habits and subscriptions[07:00] The financial and psychological impact of abandoning the convenience of one-click shopping[17:00] How shopping locally helped deepen Emily's connection to her community[27:00] The unexpected challenges of maintaining spending limitations while traveling[32:00] What surprised us during and after this challenge[34:00] What's next for our spending habits after the challengeSupport 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/

Money questions keeping you up at night? You're not alone! In this special Financial Literacy Month episode, we open up our inbox to tackle your burning financial questions related to all things personal finance.From the intimidating "how much do I actually need for retirement?" to the all-too-relatable "why do I feel so behind compared to my friends?", we’re answering your questions with our own experiences — without judgment or jargon.Whether you're stressed about investing, puzzled about budgeting with inconsistent income, or simply too scared to even look at your bank account, listening to this episode is the perfect first step.✨ Episode Highlights ✨[02:00] How to find a balance between retirement savings and enjoying life now[09:00] How to create healthy financial relationships with a partner[12:00] Investment strategies[16:00] Whether or not to participate in your 401(k)[19:00] How to budget with inconsistent income[23:00] How to prioritize debt[26:00] How to deal with financial comparison[33:00] How to get over the fear of looking at your finances[37:00] How to know whether you need to hire a financial advisorSupport 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/

Filing taxes is one of those things we’re all expected to figure it out on our own. Unfortunately, this often means it can be confusing, frustrating, or even downright terrifying.In this episode, we pull back the curtain on their real-life tax experiences, from our first terrified attempts at TurboTax to navigating the complexities of self-employment taxes. We’ll also:Bust common tax myths, including what a “write-off” actually is and how tax brackets workShare personal stories of surprise tax billsOffer practical advice for building confidence during tax season Help you figure out when it’s time to outsource Whether you're an employee or business owner, a DIY filer or a CPA enthusiast, this honest conversation will help you approach tax season with less anxiety and more clarity.✨ Episode Highlights ✨[02:00] Our tax journeys over the years, from nervous first-time filers using TurboTax to business owners who outsource[10:00] Common tax filing mistakes, including those we’ve made over the years[12:00] How procrastination and anxiety affect our approach to tax season, and how organization can help you get a hold on tax stress[16:00] Tax myths and misunderstandings, including why a big refund isn't always good, how tax brackets actually work, and why “tax write-offs" aren’t what most people think[25:00] DIYing your taxes vs. getting professional help [30:00] Talking about taxes with partners, friends, and other business owners, and how to build confidence in tax-related conversationsSupport 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/

Making friends as an adult is like trying to solve a puzzle with missing pieces. We've all been there—scrolling through social media, wondering how everyone else seems to have a perfect friend group while we're sitting at home knitting. 🧶In this episode, we're diving deep into the art of building meaningful connections, breaking down the emotional barriers, and uncovering the surprising ways friendships can impact your financial and personal growth.From mindset shifts to practical strategies, we're sharing our own messy, beautiful journey of finding community (though it’s always a work in progress) and why it's worth every initial coffee meetup and uncomfortable first chat.✨ Episode Highlights ✨[02:00] Emily and Cassidy's personal stories of friendship struggles[14:00] Why making friends as an adult is so difficult[16:00] The financial benefits of strong friendships[19:00] When it's worth investing money in community[22:00] Practical steps to build genuine friendshipsSupport 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/

Let's be real: getting a dog is like accidentally signing up for a financial rollercoaster you never saw coming. Emily's first year with Clover was a wild ride of unexpected expenses, adorable chaos, and more love and cuteness than she ever imagined. 🥹 Spoiler alert: No amount of budgeting could have prepared her for this.In this episode, we cover:😴 The unexpected challenges of getting a puppy, from sleepless nights to separation anxiety📋 Why training is crucial and how it impacts both your sanity and your dog's behavior💰 The real costs of dog ownership that go way beyond the initial adoption fee🐶 How an energetic corgi can completely change your lifestyle and work routine☺️ Balancing the financial investment with the immeasurable joy of a little puppy buddy✨ Episode Highlights ✨[01:35] How Emily and her husband decided to get a dog [06:26] Breaking down the initial costs of getting Clover [12:25] Surprise expenses: training, vet bills & daycare[22:45] – Things Emily wishes she knew before getting a dog[29:55] Financial and training tips for future dog owners [31:35] The shocking total cost of Clover's first year[36:02] – Regrets? Just One. Not making Clover an influencer. 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/