Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

Germaine Foley | Financial Coach
Land USA
Genrer Self-Improvement, Education, How To
Sprog EN-US
Episoder 182
Seneste 09.06.2026

A personal finance podcast for women who earn well but still struggle with overspending, credit card debt, and saving. Hosted by financial coach Germaine Foley, it focuses on the mindset and systems behind money habits rather than strict budgets. The show helps listeners understand the root causes of financial stress and offers practical strategies that fit real life.

Episoder

  • 181. Why It Feels Like Something Always Happens When You Start Saving Money 09.06.2026 16min
    If you've ever started saving money, watched your account balance grow, and then had to turn around and use that money for a car repair, home expense, medical bill, or something your kids needed, this episode is for you. We're talking about one of the most discouraging thoughts many women have when they're trying to make financial progress: "Every time I start saving, something happens." And while it may feel true, that thought might be keeping you stuck more than the actual expense itself. I...
  • 180. Why You Keep Falling Back Into Old Money Habits (Your Financial Thermostat Explained) 02.06.2026 18min
    If you've ever paid off debt, built up your savings, gotten a bonus, or felt like you were finally getting ahead... only to find yourself right back in the same place a few months later, this episode is for you. We're talking about a hidden pattern that keeps many women stuck financially, even when they're making good money and doing all the "right" things. It's not a lack of discipline. It's not because you're bad with money. And it's not because you don't care about your future. It may be b...
  • 179. The Skill of Having Money: Why You Keep Spending Your Savings 26.05.2026 21min
    If you’ve ever saved money, watched your account start to grow… and then suddenly found yourself spending it on things that felt completely justified, this episode is for you. We’re talking about a skill most women were never taught: the skill of actually having money. Not just making money. Not just spending money. But letting money stay in your life long enough to become savings, security, peace, investing, and wealth. This episode breaks down why so many women who make good money still str...
  • 178. Your Brain Wasn’t Designed to Build Wealth (And That Changes Everything) 19.05.2026 24min
    If you’ve ever known what you should do with money… but still found yourself overspending, avoiding your finances, or falling back into old habits, this episode is for you. We’re talking about why building wealth can feel so hard, even for smart, capable women who make good money and genuinely want to change. This episode breaks down the hidden battle happening in your brain between immediate comfort and long-term wealth building, and why so many financial habits feel automatic. We’ll get int...
  • 177. Why Building Wealth Feels So Hard (Even Though It’s Actually Simple) 12.05.2026 17min
    If you’ve ever felt like building wealth is complicated, overwhelming, or something everyone else understands except you… this episode is for you. We’re talking about why wealth building is actually much simpler than most people make it out to be, and the five core areas of money that determine whether wealth grows or not. This episode breaks down the real reason so many women who make good money still struggle with saving money, paying off debt, and building wealth long term. We’ll get into:...
  • 176. Why You Make Good Money But Still Don’t Feel Wealthy 05.05.2026 25min
    If you make good money but still feel like you should be further along financially, this episode is for you. We’re talking about what it really means to be a high earner, not rich yet, and why your income isn’t translating into actual wealth. This isn’t about needing to make more money. It’s about what’s happening with your spending, your habits, and the way your money is being managed behind the scenes. In this episode, I break down why so many high earners stay stuck and what’s actually get...
  • 175. Why You Pay Off Debt and End Up Right Back in It 28.04.2026 11min
    If you’ve ever paid off debt, felt relieved for a moment… and then found yourself right back in it, this episode is for you. We’re talking about why getting out of debt isn’t actually the hard part, staying out is. And why the way you pay off debt matters more than how fast you do it. In this episode, I break down what’s really happening when you keep cycling in and out of credit card debt, even when you’re making good money and trying to do the right things. We’ll get into: Why paying ...
  • 174. How to Start Real Estate Investing with Scott Carson 21.04.2026 32min
    In this episode of Becoming the Wealthy You, I am joined by a true powerhouse in the real estate world, Scott Carson. Scott brings over 20 years of experience to the table, specifically in the niche of distressed properties and mortgage debt. If you have ever felt like you’re making good money but aren't building the legacy you want, this conversation is exactly what you need to hear. My Mission for You My goal is always to help you stop overspending, break free from the cycle of debt, and be...
  • 173. Why You Keep Overspending (The #1 Wealth Stealer) 14.04.2026 15min
    If you’ve ever found yourself spending money out of boredom, stress, or just because you felt like it… and then later wondering where your money went, this episode is for you. We’re breaking down what’s really going on when you keep overspending, even though you make good money and know better. This isn’t a discipline issue. It’s a pattern, and once you see it, things start to click. In this episode, I’m talking about emotional spending and why it can feel like spending is helping in the mome...
  • 172. How Social Media & Convenience Are Driving Your Overspending (The Social Spender & Convenience Spender) 07.04.2026 17min
    If you’ve ever found yourself spending money because everyone around you is… or because it just feels easier in the moment, this episode is for you. We’re talking about two sneaky spending patterns that don’t always look like a problem at first: the Social Spender and the Convenience Spender. This is the kind of overspending that doesn’t feel dramatic. It feels normal. It feels justified. It feels like “it’s just this one time.” But over time, it adds up… and it’s often the reason your money ...
  • 171. How People Pleasing and Burnout Lead to Overspending (The Over-Giver) 31.03.2026 19min
    If you’ve ever found yourself spending money on other people… and then feeling a little stretched, depleted, or even resentful afterward, this episode is for you. We’re talking about a type of overspending that doesn’t always look like a problem at first, the Over-Giver. This is the kind of spending that can look like love, generosity, and showing up for the people you care about. But underneath it, there’s often a pattern that’s leaving you financially and emotionally drained. In this episod...
  • 170. Why You Overspend When Life Is Going Well (The Experience Enhancer & Rewarder) 24.03.2026 19min
    If you’ve ever found yourself spending more money when life is going well… this episode is for you. We’re talking about a different side of overspending. Not the kind that happens when you’re stressed or overwhelmed, but the kind that shows up when you’re excited, celebrating, or just enjoying your life. This is where spending doesn’t feel like a problem. It feels deserved. It feels justified. And that’s exactly why it’s easy to miss. In this episode, I break down two patterns: the Experience...
  • 169. Why You Overspend When You’re Bored or Stressed (The Boredom Buyer & Relief Seeker) 17.03.2026 21min
    If you’ve ever found yourself spending money when you’re bored… or buying something just to take the edge off a stressful day, this episode is for you. We’re talking about two of the most common overspending patterns: the Boredom Buyer and the Relief Seeker. This is the kind of spending that doesn’t always feel like a big deal in the moment. You’re just scrolling, browsing, or picking something up real quick. But over time, these small decisions can turn into habits that keep you stuck. In th...
  • 168. The 7 Hidden Overspending Patterns That Keep High Earners From Building Wealth 10.03.2026 19min
    If you make good money but still feel like you should be further along… this episode is for you. We’re talking about the real reason your income isn’t turning into wealth, and it’s probably not what you think. This isn’t about budgeting harder or making more money. It’s about the spending patterns that quietly keep high earners stuck. In this episode, I’m walking you through the 7 spending patterns I see over and over again with women who earn well but aren’t building wealth the way they want...
  • 167. Why I’m Taking a Break From Shopping (And What It’s Teaching Me About Overspending) 03.03.2026 26min
    Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help yo...
  • 166. Retirement Isn't Just About Money | Why You Must Invest in Your Health & Wealth Now with Janice Saunders 26.02.2026 30min
    Janice Saunders is a Bronx native, life coach, author, and the creator of the Seasonal Sisters Universe. She helps women cut through overwhelming health information and turn it into practical, sustainable habits they can actually maintain. Blending holistic and science-backed tools, Janice focuses on improving mental, physical, and social wellness so women can stay active and continue making the impact they desire. A proud Howard University graduate with an award-winning career in the pharmac...
  • 165. Why You Keep Overspending and Falling Back Into Credit Card Debt (Even With a Good Income) 24.02.2026 19min
    Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help yo...
  • 164. Reactive vs. Proactive Money Management | Why You Still Feel Behind (Even With a Good Income) 17.02.2026 24min
    Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help yo...
  • 163. How “I Deserve It” Thinking is Quietly Wrecking Your Finances 10.02.2026 20min
    Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help yo...
  • 162. Why You Keep Ending Up in Credit Card Debt — Even After You Pay It Off 03.02.2026 28min
    Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help yo...

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