Financial Feminist

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  Bonus: The Ultimate Guide to Credit Card Debt Payoff 23.07.2026 41Min.

  If you’ve been struggling to break free from credit card debt––you’re in the right place. In this episode, we’re replaying one of our most commonly requested topics: credit card debt. We’ll uncover how sneaky interest rates can chip away at your hard-earned money every single day and explore powerful strategies to help you tackle that high-interest debt so you can finally breathe easy. As someone who’s dedicated to helping women save money, invest, and feel financially confident, I firmly believe that understanding your debt is the first crucial step in breaking free from it. When we take back control of our finances, we collectively fight the patriarchy—by making ourselves richer, savvier, and fully in control of our money.  Check to see if you qualify for my partner personal loan recommendation* (doesn’t hurt your credit score!) *Terms apply: https://soficreator.pxf.io/c/1408818/2083784/25681?subId1=podcast&subId2=bonusep&adcampaigngroup=lending&adnetwork=brand  Not sure where to start on your financial journey? Take our FREE money personality quiz! https://herfirst100k.com/ffpod 00:00 Intro 00:48 Understanding credit card debt 02:26 How debt and interest work 07:20 Strategies for paying off debt 08:32 Using credit cards responsibly 14:53 Emergency funds vs. debt payoff 19:16 Debt payoff methods: snowball vs. avalanche 22:36 The role of personal loans 32:30 Setting financial goals and staying motivated
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  293. How Transparent Should I Be About My Money? (Tori’s Interview on The Real Stuff with Lucie Fink) 21.07.2026 58Min.

  This week, we’re bringing you a special replay crossover episode with Lucie Fink — podcast host, video producer, digital educator, and host of “The Real Stuff with Lucie Fink.” In this insightful conversation, Tori details her journey to becoming a multimillionaire, demystifying the concept of "coast FIRE" and the significance of reaching that initial $100,000 savings goal. Tori generously shares her knowledge on effective investment strategies and highlights the power of financial literacy. This discussion goes beyond building wealth — it's a call to normalize conversations about money, sex, societal norms, and navigating the balance between privacy and openness in our personal lives. Lucie’s links: The Real Stuff Podcast: https://lnk.to/TheRealStuffWithLucieFink  Instagram: https://www.instagram.com/luciebfink/  Talking about money with your partner can be hard, but it’s necessary. Visit https://herfirst100k.com/ffpod to download our Money Conversation Cards –– 30 question cards to help spark fun, intimate, and beneficial conversations about money with your partner.00:00 The power of financial stability 07:16 From her first $100K to multi-millionaire 29:41 Navigating the challenges of financial transparency and safety  39:12 Authenticity, success, and mental health online 40:17 Addressing internet trolls and financial transparency 41:42 Navigating body image  47:50 Exploring confidence, pain, and self-care 50:07 Discussing future plans and personal growth 51:57 The realities of publishing and achieving milestones 54:39 Personal relationships and privacy boundaries 01:03:17 The importance of financial conversations in relationships 01:11:00 Understanding prenups and financial independence
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  292. How American Patriarchy Keeps Women From Their Money, Power, and History with Anna Malaika Tubbs 14.07.2026 1Std. 1Min.

  To work to change a system, you have to understand it first. But as today’s guest will show you, it turns out our understanding of American patriarchy is completely different than what we thought it was. Today I sat down with Anna Malaika Tubbs –– two-time New York Times bestselling author, sociologist, and storyteller with a PhD in sociology and a master's in gender studies from the University of Cambridge, plus a BA from Stanford (whew!) — and we're talking about American patriarchy. We get into why the Founding Fathers and the Constitution are inherently patriarchal, what history actually teaches us about how change happens, and why Anna wasn't surprised by Trump's reelection. I threw out almost every prepared question because this conversation was that good. This episode will make you furious and hopeful in the same breath. Anna’s links: Website: http://annamalaikatubbs.com   Erased by Anna Malaike Tubbs:  https://bookshop.org/a/90037/9781250876690  The Three Mothers by Anna Malaika Tubbs: https://bookshop.org/a/90037/9781250756138  Also mentioned in this episode: Steve Phillips, How We Win the Civil War: https://bookshop.org/a/90037/9781620978481 Sarah McBride on Why the Left Lost on Trans Rights | The Ezra Klein Show: https://www.youtube.com/watch?v=KlbNFsAGFRc  Bookshop.org website:  http://Bookshop.org  Not sure what to do with your money? Visit ⁠https://herfirst100k.com/ffpod⁠ and take our FREE Money Plan Quiz to get your personalized money plan, and find any resources mentioned on our show   00:00 Intro 01:40 What "American patriarchy" actually means 06:37 The Founding Fathers' blueprint  15:21 The tug-of-war at the center of all American history 19:19 Why Trump's re-election wasn't a surprise 25:10 How slow progressive change actually works 31:55 Do all roads lead back to patriarchy? 36:04 "We haven't arrived anywhere new" 45:28 Moving rights to the states: a repeating tactic 52:48 Can you get rich in a system that wasn't built for you? 58:51 The power you already have Learn more about your ad choices. Visit megaphone.fm/adchoices
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  291. Why Every SAHM Needs a Financial Safety Net 07.07.2026 29Min.

  A video I posted about the tradwife movement blew up, and the comments made one thing clear: most people are using "tradwife" and "stay-at-home mom" interchangeably. They are not the same thing, and the difference matters. In this episode, I'm breaking down what a tradwife actually is versus what Tiffany Dufu calls a "non-compensated working mom," why romanticizing financial dependence is dangerous no matter how happy your marriage is right now, and the seven concrete moves every woman; married, partnered, or neither; needs to make to protect herself financially. This isn't anti-marriage or anti-stay-at-home mom. It's pro protecting you from financial ruin. Not sure what to do with your money? Visit ⁠https://herfirst100k.com/ffpod⁠  and take our FREE Money Plan Quiz to get your personalized money plan, and find any resources mentioned on our show. 00:00 Intro: The 15-word post that broke the internet 00:37 Meet Tori + episode overview 01:46 What is a tradwife, actually? 02:32 Why the tradwife aesthetic is so appealing 04:21 The Ballerina Farm irony 05:01 Tradwife vs. stay-at-home mom: not the same thing 06:39 Tori's parents: how to stay home without losing financial power 07:52 Why women hand over financial control 11:09 "Your boss can starve you too" — debunked 12:10 "Just marry the right man" — what the data says 15:28 Tradwife trend = burnout in a sundress 15:44 The real villain: the system, not the woman 18:28 The 7-step financial protection plan 18:48 1. Put your name on everything 19:13 2. Have your own money 19:51 3. Keep your credit alive 20:08 4. Know every number 21:08 5. Keep your skills and network warm 21:38 6. Know your legal protections 23:00 7. Have the "what if" conversation 23:37 Closing: bet on yourself Learn more about your ad choices. Visit megaphone.fm/adchoices
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  290. Study Hall: Credit Card Debt 30.06.2026 47Min.

  In this edition of Study Hall, I'm compiling all of our best credit card debt advice into one place so you can stop Googling in a shame spiral at 2 a.m. and actually understand what's going on with your debt. I'm breaking down how interest really works (and why credit card debt is uniquely expensive), walking you through step-by-step payoff strategies,  including the avalanche method, the Debt Free Guys' lasso method, and using personal loans to consolidate, and I'm finishing with some real talk about why shame is the worst debt payoff strategy on the planet. If you're carrying credit card debt and you feel stuck, overwhelmed, or like it's somehow your fault: this episode is your starting line. Pay off credit card debt fast. Check your eligibility without it affecting your credit score. Go to ⁠herfirst100k.com/payoff⁠  to see if you qualify. Terms apply. 00:00 What makes up debt?  01:00 How credit card interest actually works 04:00 Why credit card debt compounds into a "slippery slope" 05:30 Paying down the principal to reduce total cost 06:30 Getting your debt payoff plan together 07:00 Step-by-step: list debts, calculate payments, find extra 08:30 The avalanche method explained 09:30 Tori's Toyota story: paying toward principal 12:00 The Debt Lasso Method with the Debt Free Guys 16:00 Why balance transfers only work with a real plan 18:30 Personal loans: what they are and why they work 22:00 Simple interest vs. compound interest for debt 23:00 Things to consider before getting a personal loan 25:00 When personal loans are NOT the right move 28:00 What personal loans should NOT be used for 29:00 Debt settlement and your rights as a consumer with Leslie Tayne, Esq. 31:00 The Fair Debt Collection Practices Act 33:00 Tori's closing pep talk: debt is not a personal failing 35:00 Goal-setting hack: specific, timely, and mission-driven 37:00 Writing goals in past tense — the visualization hack Learn more about your ad choices. Visit megaphone.fm/adchoices
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  289. You're Networking Wrong (What to Do Instead) with Danielle Robay 23.06.2026 54Min.

  Today I'm sitting down for another chat with one of my favorite guests, Danielle Robay. Danielle’s a TV host, journalist, host of Question Everything, co-executive producer of Bookmarked alongside Reese Witherspoon, and also one of my IRL good friends (a friendship that started, fittingly, as a work relationship). We're getting into how to turn relationships into your next job, business, or opportunity, and what to stop doing immediately if you want to earn more. Danielle reframes "networking" as long-game relationship-building, hands you a follow-up template you can use tomorrow, and explains why the cold "can I pick your brain?" email is going straight to the trash. If you're in transition — graduating, switching careers, getting a business off the ground — this one's for you.  Danielle’s links: Website: https://www.daniellerobay.com/ Instagram: https://www.instagram.com/daniellerobay/ Danielle's podcast: https://www.daniellerobay.com/prettysmart Question Everything card game: https://questioneverything.us/    Catch our other podcast episodes with Danielle: How to be the Most Interesting Person in the Room with Danielle Robay: https://herfirst100k.com/financial-feminist-show-notes/ask-better-questions/ Owning Your Ambition with Danielle Robay: https://herfirst100k.com/financial-feminist-show-notes/owning-your-ambition-danielle-robay/  Visit ⁠https://herfirst100k.com/ffpod⁠ to grab our free Goal Setting Worksheet for a framework that will help you set actionable goals to take your dreams from ‘hope’ to ‘action.’   00:00 Intro  00:59 Why ambitious women network constantly but don't earn more 02:30 How Danielle's relationship to networking changed as her platform grew 04:30 The invented husband + two kids: a boundary hack 06:00 What makes a bad ask (and how to make a good one) 08:00 The "Quick question" subject-line hack 09:00 Why the "why" matters more than the "how" 11:00 Curiosity is a skill — and you already have it 13:00 The bamboo plant story 17:00 How to stay motivated when nobody's replying 19:00 What high earners do differently when they network 22:00 "What's your biggest pain point?" — the email that lands interviews 26:00 Mid-episode: free goal-setting worksheet 27:00 Where women network in ways that get them liked but not paid 33:00 The networking habit to stop immediately 35:00 Role play: how to follow up in 4 real scenarios 42:00 Getting into rooms where decisions and dollars are made 44:00 The #1 shift to make this year: throw the event Learn more about your ad choices. Visit megaphone.fm/adchoices
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  288. How to Stop Burning Out While Building Your Dreams with Michelle Razavi 16.06.2026 1Std. 1Min.

  If you've been checking every box, hitting every goal, and somehow feeling further away from yourself than ever, this episode is for you. Our guest today is Michelle Razavi, and she’s back with an important message. Since she was last on the show, she and her co-founder Nikki have grown their business Elavi into a multimillion-dollar business now in Costco, Whole Foods, H-E-B, and Thrive Market. Michelle is one of the rare founders who builds with absolute tenacity and protects her peace. In this episode we get into the neuroscience of why hustle mode is working against you, the tech boundaries that actually hold, the real psychology of why you won't delegate, and what it takes to build as a woman of color when the odds are stacked against you.  MIchelle’s links: Website: https://elavi.co/  Visit ⁠https://herfirst100k.com/ffpod⁠ to grab a copy of our free Side Hustle Skill Finder to figure out exactly which of your existing skills can make you money!   00:00 Intro  03:30 Energy management vs. time management 05:00 Executive function vs fight-or-flight  09:30 Getting comfortable being uncomfortable 14:00 "Why isn't it happening for me?"  19:00 Urgent vs. important 24:00 "Can it wait?" and "Is this serving me?" 27:00 The physical first signs of burnout  36:00 When online harassment becomes a panic response 40:00 You can't go from chaos to calm in two minutes 42:00 The five senses checklist + sitting on the ground 44:00 Redefining relationships and "balance" across seasons 47:00 Technology boundaries that actually hold 54:00 Let's rebrand delegation: accepting 80% 59:00 Building as a woman of color when people doubt you 1:05:00 Envy as information 1:09:00 One small shift this week: put your phone away Learn more about your ad choices. Visit megaphone.fm/adchoices
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  287. How to Build a Business From Nothing with Jasmine Star 09.06.2026 1Std. 1Min.

  If you're tired of depending on a company for 100% of your income, our Quit Your Job in 90 Days workshop will show you the fastest path to building a business of your own. Visit ⁠⁠https://herfirst100k.com/ffpod⁠⁠ to register! The real reason you haven't started your business isn't that you're not ready. It's that you're waiting to feel ready, and those are not the same thing. Today I'm sitting down with Jasmine Star, entrepreneur, business strategist, and CEO of Social Curator, who has built multiple seven and eight figure businesses starting from literally nothing. We're getting into how to find the skill you're already sitting on, why clarity only comes after you take action, how to price yourself when you're just starting out, and what it actually takes to build something real without an audience, a degree, or a perfect plan. If you've been waiting for a sign to start, this is it. Jasmine’s links: Instagram: https://www.instagram.com/jasminestar  Website: https://jasminestar.com/  Social Curator: https://www.socialcurator.com/  00:00 Intro 02:08 What Skill Are You Already Sitting On? 03:05 Every Market Is Saturated — So What? 04:59 Humans Buy from Humans: Your Unique Value 06:28 Treat It Like a Test, Not a Failure 07:38 Identity & Separating Yourself from Results 08:09 Jasmine's Origin Story: Starting with Nothing 18:41 Why Clarity Only Comes After Action 20:44 The Belief Gap: Do You Think You Have What It Takes? 23:55 Start Small: Build Belief Through Evidence 26:03 Three Questions to Find Your Business Idea 27:27 New Levels, New Devils 30:40 Pricing: Start Low & Let the Market Push You Up 32:54 Side Hustle First or Burn the Boats? 37:48 Your First Business Is a Bridge, Not the Destination 38:42 Common Busy Work Mistaken for Progress 45:18 Entrepreneurship Creates Options, Not Just Income 52:34 The First Step to Take This Week Learn more about your ad choices. Visit megaphone.fm/adchoices
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  286. Getting Rich Made Me a Bad Woman 02.06.2026 37Min.

  Register for the "What To Do With Your Money Right Now" live workshop: ⁠⁠https://herfirst100k.com/ffpod⁠⁠   What if the reason you're afraid of building wealth has nothing to do with you, and everything to do with a system designed to keep you that way? In this episode, I'm pulling back the curtain on something most people won't say out loud: the reason so many women are afraid to build wealth isn't a personal failing, it's by design. From the fears holding us back before we even start, to every way my own financial success made me a "bad woman" by the patriarchy's standards, this episode is giving you permission to stop apologizing for wanting more. Because every dollar you earn, save, and invest? It's a vote against a system that never wanted you to have it. Listen to Erin Gallagher episode on being an uncontrollable woman: ⁠https://herfirst100k.com/financial-feminist-show-notes/inner-mean-girl/⁠  00:00 Intro: Why Women Fear Wealth 01:57 FOG: Fear, Obligation & Guilt Explained 04:50 Money Avoidance & the Ostrich Effect 05:25 The Key Reframe: You're Not Bad With Money 06:00 The "Good Woman" Checklist 06:38 Female Financial Dependence Is by Design 08:45 The Data: Wage Gap, Wealth Gap & Unpaid Labor 09:34 You Still Have to Play the Game 13:05 Tori's Personal Story: Building Wealth Fast 13:48 "Money Doesn't Change You — It Shows You Who You Are" 16:31 Wealth as an Amplifier, Not a Transformer 17:25 Staying Broke Doesn't Make You Virtuous 20:45 How Becoming Rich Made Me a Bad Woman 28:35 I Became Dangerous to Anyone Who Benefited From My Smallness 29:27 The Double Standard: Wealthy Man vs. Wealthy Woman Learn more about your ad choices. Visit megaphone.fm/adchoices
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  Managing Money In My 30s 26.05.2026 27Min.

  What if your thirties were about impressing yourself instead of others? In this episode, Tori gets real about the shift in priorities that comes with entering a new decade, reflecting on everything from financial independence and self-care to setting boundaries. She encourages listeners to stop apologizing for their choices and start building a life that aligns with their values. Whether you're navigating your twenties or already thinking ahead, this episode is packed with insights that will inspire you to take control of your finances and well-being with confidence and purpose. Not sure where to start on your financial journey? Take our FREE money plan quiz and get access to my favorite money tools: https://herfirst100k.com/ffpod My personal trainer: https://www.instagram.com/adaispresent/  00:00 Welcome & Free Money Personality Quiz 01:00 Managing Money Differently in Your 30s 02:45 Stop Apologizing for Your Purchases 06:00 Prioritize New Financial Goals 07:00 Navigating Money With a Partner 08:00 Investing in Your Health 10:00 Why Health Spending Pays Off Long-Term 13:30 Adjusting Your Investment Strategy 14:30 Financial Independence & Living Off Investments 15:00 Setting Better Work-Life Boundaries 16:45 Why You Need a Will and Life Insurance 19:00 Business Planning & What's Coming Next 20:00 Final Thoughts & How Your Money Shifts by Decade Learn more about your ad choices. Visit megaphone.fm/adchoices
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  millionaire mindset: lever theory 19.05.2026 34Min.

  What if the real reason you're not hitting your money goals has nothing to do with how hard you're working? In this millionaire mindset episode, I'm introducing you to the Lever Theory, the framework that completely changed the way I run my $7.5 million dollar business and manage my own finances. Ever felt like you're pushing a boulder up a hill and getting nowhere? Well this episode is going to reframe everything. We're talking about why hustle culture is lying to you, why you have to know your numbers before anything else works, and how to find the one single move that closes the gap between where you are and where you want to be. No grinding required. Visit ⁠https://herfirst100k.com/ffpod⁠ to sign up for the free Savings Sprint and stay up-to-date on all resources mentioned on our show! The #1 Mindset Holding You Back podcast episode: https://herfirst100k.com/financial-feminist-show-notes/142-the-1-mindset-holding-you-back-in-life/  00:00 Intro 00:47 Why working harder is almost never the answer 01:10 What Millionaire Mindset is about 03:19 Why hustle culture disproportionately traps women 04:07 The lie: more hours = more output = more worth 06:05 Grinding past a certain point is just expensive noise 08:45 You can't set goals if you don't know your numbers 10:05 The ostrich effect: putting your head in the sand 11:36 You cannot pull a lever you can't see 13:06 The Lever Theory explained 14:28 Finding the gap: a revenue example 15:43 The three questions to find your lever 18:35 Implementing the Lever Theory beyond business 20:49 Working smarter, not harder 22:09 Saving Sprint announcement 24:09 Why we resist finding the lever 26:14 The all-or-nothing mindset sabotaging your goals 27:10 Analysis paralysis and the fear of simplicity 29:21 How to find your lever (5 steps) 33:29 Your homework: find the lever this week Learn more about your ad choices. Visit megaphone.fm/adchoices
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  285. Why You Stay Stuck in Jobs, Relationships, and Financial Patterns That Aren’t Working with Simone Stolzoff 12.05.2026 1Std. 1Min.

  Why do we stay in jobs, relationships, and financial patterns we know aren't working? Author and journalist Simone Stolzoff is back on the show to talk about his new book, How to Not Know — and the surprising answer has everything to do with our relationship with uncertainty. We're getting into the three certainty traps keeping you stuck, why more information is actually making your anxiety worse, the difference between one-way and two-way door decisions, and what it really takes to break the cycle when you can see the problem but can't seem to move. This is one of the most powerful conversations we've had on this show, and one you'll want to send to everyone you know. Simone’s links: How to Not Know: https://bookshop.org/a/90037/9781324089452 Learn the exact strategies to save money, pay off debt, improve your money mindset, increase your net worth, in The $100K Club. Get the details here: ⁠https://herfirst100k.com/ffpod⁠. 00:00 Intro  01:08 Why Uncertainty Feels Worse Than Bad News 03:14 Three Certainty Traps: Comfort, Hubris & Control 04:49 Why We Struggle to Admit We Were Wrong 05:36 Identity, Doubling Down & Changing Your Mind 10:23 Why Our Tolerance for Uncertainty Is Declining 14:28 More Information, More Anxiety 16:18 Escalating Commitment 16:52 Stop Loss Strategies & Rules-Based Decision Making 20:13 Outsourcing Your Willpower & Knowing Your "Enough" 28:08 Connie & Andrew's "Year of Living Dangerously" 30:21 How to Run Your Own Low-Stakes Life Experiment 35:16 One-Way Door vs. Two-Way Door Decisions 44:39 Ghost Ships: Making Peace with the Paths Not Taken 50:39 The Miscarriage, the Uncertainty & Finding Your Anchors 54:54 How to Not Know Learn more about your ad choices. Visit megaphone.fm/adchoices
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  284. How to Be Less Lonely with Liz Moody 05.05.2026 1Std. 7Min.

  You might be the loneliest you've ever been — and have no idea why. One of my favorite guests and favorite humans, Liz Moody, is back on the show to talk about why loneliness isn't an exposure problem. It's not about being around more people. It's a discomfort problem. We're getting into why our frictionless, optimized lives are quietly killing our ability to connect, what it actually takes to build real friendships from scratch, why vulnerability is the shortcut nobody wants to take, and the one shift you can make this week that will move you toward deeper connection — no new plans required. Liz’s links: Website: https://www.lizmoody.com/ Instagram: https://www.instagram.com/lizmoody/  Podcast: https://www.lizmoody.com/the-liz-moody-podcast/  Book: A Hundred Ways to Change Your Life: http://Bookshopbookshop.org/a/90037/9780063333710  Not sure what to do with your money? Visit ⁠https://herfirst100k.com/ffpod⁠ and take our FREE Money Plan Quiz to get your personalized money plan, and find any resources mentioned on our show! 00:00 Intro 00:13 Why We've Never Been More Connected — Yet More Alone 02:34 The "Creation Era" of Friendship & Why Discomfort Is the Price of Connection 03:23 The Cozy Era vs. The Creation Era of Friendship 06:17 Loneliness Is a Discomfort Problem, Not an Exposure Problem 11:37 Misdiagnosing Loneliness — What You're Actually Missing 13:05 The Harvard Study of Adult Development & the #1 Predictor of a Long Life 14:59 Face-Down Phone Theory & What Your Phone Is Costing Your Relationships 11:27 Match Theory: Stop Impressing, Start Finding Your People 17:32 The 50-Hour Rule: How Long It Really Takes to Make a Friend 21:17 From Transaction to Connection — Getting Past Tit for Tat 21:13 Human Beings vs. Human Doings: Productivity Culture & Friendship 38:21 Shared Experiences, Novelty & Building Deeper Bonds 38:16 "Abouts" — The Secret Ingredient to Lasting Friendships 50:24 Healthy Solitude vs. Loneliness (and Why Most of Us Never Actually Rest) 58:20 The One Shift to Make This Week If You Feel Lonely Learn more about your ad choices. Visit megaphone.fm/adchoices
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  283. How to Turn Your Bills into Free Travel with Shakeemah Smith (The Passport Abuser) 28.04.2026 58Min.

  What if every bill you're already paying could get you closer to a free flight? Today I'm talking to Shakeemah "Keem" Smith — founder of Bills to Boarding Passes, solo travel educator, and the woman her family literally nicknamed The Passport Abuser — to talk about how she's traveled to nearly 100 countries without paying out of pocket for a single flight in three years. And no, you don't need a high-limit credit card or a six-figure salary to do this. Keem breaks down her Bills to Boarding Passes method, the airline partnerships most people have never heard of, why solo travel might be the most powerful thing you do for yourself this year, and the exact first steps to take this week, no matter your income, your debt situation, or your starting point. You’re gonna want to share this episode with a friend! Ready to turn your everyday bills into free flights? Sign up for our FREE Bills to Boarding Passes workshop with Keem & Tori: ⁠https://herfirst100k.com/ffpod⁠ Compare the cheapest flights from all major airlines at ⁠Skyscanner.com⁠ Visit https://herfirst100k.com/ffpod to find our credit card recommendations and any other resources mentioned on our show! 00:00 Intro 01:36 Your Bills Are Your Boarding Passes 04:07 Airline Miles vs. Credit Card Points: What's the Difference? 07:05 How Airlines Make Money When You're Not Flying  09:32 Earning Miles on Your Utility Bills (NRG Partnership) 11:03 How Keem Got to Her First 20 Countries for Under $100  13:55 How to Travel for Free Without a Credit Card  16:22 What Started Solo Travel: A Friendship Betrayal in Amsterdam 19:10 Learning to Enjoy Your Own Company at 30 21:29 Traveling as a Black Woman — Safety, Research & Real Talk 28:24 Actionable Steps for the Woman Who Thinks She Can't Afford to Travel 31:44 Japan for $6 — Three Times (and Other Receipt-Worthy Receipts) 35:19 Treating Retailers Like You Treat Men: The 2-Out-of-3 Rule 38:44 Country That Surprised Me Most: Kuwait 39:31 The One Thing I Always Pack: A Carbon Monoxide Detector 41:27 Worst Travel Disaster: Saint Kitts Airport Scam 44:45 Best Flight Deal: $5 Flights as a Lifestyle 45:42 Most Underrated Solo Destination: Antigua and Barbuda 47:20 Final Message to the Woman Who Thinks Travel Isn't for Her Learn more about your ad choices. Visit megaphone.fm/adchoices
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  282. The $100K Blueprint: How I'd Save My First $100K in 2026 21.04.2026 43Min.

  Yes, my $100K story has been in the New York Times, Business Insider, and on ABC News — and yes, I did it in 2019. But every time it goes viral, my DMs say the same thing: "Cool for you, Tori, but that was a different economy." So let's actually talk about it. In this episode, I'm breaking down exactly what I would do differently if I were starting from zero in my early 20s today — what still works from my original system, what I'd change, and why hitting your first $100K in 2026 is harder, but absolutely not impossible. This isn't a motivation episode. This is a framework episode built for the economy we're actually living in, with real numbers, real talk about systemic barriers, and a step-by-step system you can plug into your own money starting today. Want to build your first $100K, but not sure where to start? Visit ⁠https://herfirst100k.com/ffpod⁠ to get my free guide. Get my HYSA recommendation, my book, Financial Feminist, and more resources from this episode at ⁠https://herfirst100k.com/ffpod⁠ How I Saved $100K at 25: ⁠https://herfirst100k.com/financial-feminist-show-notes/how-to-save-100k/⁠  00:00 Intro 00:18 How Tori Hit $100K (Origin Story) 00:55 What Actually Went Into It 02:43 What Tori Didn't Have 03:28 Why 2016–2019 Was Different Than Now 07:18 What's Genuinely Harder Today 09:10 The Latte Factor Era Is Dead 10:03 The System Still Works 11:57 If I Was Starting Today 12:11 Step 1: Stop Trying to Be Perfect 15:22 Step 2: Don't Write Off Someone's Story 17:35 Step 3: Redefine What Your $100K Means 19:43 Step 4: Automate Your Savings 22:19 Step 5: Focus on Growing Income 23:57 Negotiate Every Job Offer 26:01 Step 6: Start Investing Now 29:11 Step 7: Values-Based Spending 31:11 The Full Plan Recap & Free Resource 32:28 Closing: You're Not Behind Learn more about your ad choices. Visit megaphone.fm/adchoices
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  281. Build Wealth Without Leaving Your Culture Behind with Bricia Lopez 14.04.2026 48Min.

  What if you never had to choose between building wealth and honoring where you came from? Bricia Lopez didn't –– and she built something incredible because of it. She grew up translating for her immigrant parents, learned money by watching her family create and lose and rebuild, and went on to become a restaurateur, cookbook author, and the woman behind one of LA's most iconic Oaxacan restaurants, Guelaguetza. Today she's sharing everything, the mindset, the hard lessons, the margarita vs. martini moment that changed how she thinks about her own worth. Come for the food, stay for the money talk. Bricia’s links: Website: https://www.ilovemicheladas.com/ Join the savings sprint to get your finances on track and take control of your money: https://herfirst100k.com/ffpod.  00:00 Intro  00:20 The First Money Lesson: You Can Just Make It 02:57 Being the Family Translator & Business Partner at 12 05:25 Redefining Success at Every Decade 09:08 Cutting Personal Comfort, Not Quality, During Hard Times 16:58 Why Bricia Talks Money Openly With Her Friends 17:22 The Margarita vs. Martini — Running Your Own Race 25:52 Why Customers Hesitate to Pay for Quality Mexican Food 26:37 The Importance of Knowing Your Worth 38:47 How Wealth Is More Than a Number 29:00 Building Something Meaningful Without Abandoning Your Roots 31:09 When Women Are Financially Free, the World Changes 32:38 Rapid Fire: Best Dish to Order, Desert Island Ingredients & More 38:58 Where to Find Bricia & What's Coming Next To stay up to date and find any other resources mentioned on our show visit: ⁠https://herfirst100k.com/ffpod Learn more about your ad choices. Visit megaphone.fm/adchoices
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  280. How to Stop Making Emotional Financial Decisions with Dr. Nick 07.04.2026 57Min.

  If you've ever thought, "I know what I'm supposed to be doing with my money, so why can't I just do it?"–– this episode is going to change everything. I'm sitting down with Dr. Nick, a licensed neuropsychologist and executive cognition specialist, to unpack the brain science behind why smart, capable women still make emotional financial decisions. We're going into the dopamine deficit that makes long-term financial goals feel impossible to start, the norepinephrine surge that only kicks in when things become an emergency, and why "I'm bad with money" is a story your brain makes up — not a fact about who you are. Dr. Nick breaks down how emotional dysregulation silently drives impulse spending, financial avoidance, and the boom-bust cycle so many of us know too well, and more importantly, how to build systems, practice self-compassion, and rewire your brain's relationship with money, one small win at a time. Dr. Nick’s links: Website: https://www.drnicolemurray.com/ Visit ⁠https://herfirst100k.com/ffpod⁠⁠ to stay up to date and find any resources mentioned on our show. If you're feeling stressed about money, we've created a money plan to help you, no matter where you're getting started. Taking a quick 2-minute quiz to get your money plan at https://herfirst100k.com/ffpod In this episode: 00:00 How Emotional Decisions Shape Your Finances 01:47 Why Knowing Isn't Enough: The Brain Science 02:56 The Role of Dopamine in Financial Decisions 05:11 How to Create Urgency Before a Crisis 07:52 "I'm Just Bad With Money" — Debunked 10:15 What Is Emotional Regulation (And Why It Matters) 14:52 The Intensity Gauge: Rating Your Emotions 15:02 Managing the "Always at an 8" vs. Numb Baseline 17:29 Making Financial Decisions at a 5, 6, or 7 19:19 Replacing Mindless Spending With Systems 29:54 Willpower Is a Myth — Here's What Actually Works 32:11 The Case for Self-Compassion Over Willpower 35:43 The Boom-Bust Cycle of Financial Motivation 39:28 How Emotional Regulation Changes With Age 42:24 Preparing for Life's Transitions 49:00 Rebuilding Trust With Yourself and Your Money Learn more about your ad choices. Visit megaphone.fm/adchoices
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  279. Building REAL Confidence with Kara Loewentheil 31.03.2026 56Min.

  If you've ever power posed in a bathroom mirror or blasted a Beyoncé song before a big negotiation hoping it would make you believe in yourself, this episode is going to completely change the way you think about confidence. I'm sitting down with return guest Kara Loewentheil, founder of The School of New Feminist Thought, host of the internationally top-ranked podcast Unfuck Your Brain, and author of the instant New York Times bestseller Take Back Your Brain, and we're getting into the real, evidence-backed truth about what confidence actually is — and why everything you've been told about building it is probably doing you more harm than good. Kara breaks down her Confidence Compass framework — self-knowledge, self-compassion, self-belief, and self-actualization — and why real confidence has nothing to do with a feeling or a pose, and everything to do with building a trusting relationship with yourself so you can take risks, go after your financial goals, and create the life you actually want. Kara’s links: Website: http://unfuckyourbrain.com/HSC  Unf*ck Your Brain podcast: https://schoolofnewfeministthought.com/podcasts/  Take Back Your Brain book: https://www.takebackyourbrainbook.com/  Visit ⁠https://herfirst100k.com/ffpod⁠ to read the transcript and find any resources mentioned in this episode! 0:00 Intro 0:59 Confidence Is a Skillset, Not a Feeling 2:08 Why Power Poses and Beyoncé Songs Don't Work 4:19 Does "Fake It Till You Make It" Actually Work? 5:19 Kara's Background: Yale, Harvard Law, and Becoming a Coach 5:34 Betting on Yourself Without Feeling Confident 7:55 Confidence vs. Certainty and Control 9:30 Confidence as a Relationship with Yourself 12:02 The Confidence Compass Framework 14:40 Money, Shame, and Which Block Shows Up Most 16:47 How Shame Disguises Itself as Responsibility 19:37 The Permission Slip Problem 27:31 How to Uncouple Shame and Build New Beliefs 38:28 Unlearning Selflessness Without Feeling Selfish 43:04 Confidence Doesn't Come from Having Things — It Creates Them 45:37 Using the Confidence Compass for Money Goals 48:52 The Seeds of Who You Want to Be Are Already in You Learn more about your ad choices. Visit megaphone.fm/adchoices
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  278. Budgeting For Summer Travel 24.03.2026 27Min.

  Summer travel is something most of us look forward to all year. But without a plan, it can leave you with a maxed-out credit card and a lot of financial stress to come home to. In this episode of Financial Feminist, I'm breaking down exactly how to budget for summer travel so you can enjoy your trip without the money anxiety hanging over you the whole time. I'll walk you through how to set a realistic trip cap before you ever open a flight search tab, why travel is a known predictable expense and not just a fun splurge, and how to build a sinking fund so the money is already there when it's time to book. If you’re craving a getaway this summer, I'm giving you a step-by-step framework, plus my favorite money-saving tools and practical tips, so you can travel well and come home financially intact. *Important note: this episode was recorded in January 2026, before the increase in gas prices Visit ⁠https://herfirst100k.com/ffpod⁠⁠ to get my free Travel Budgeting Spreadsheet!  00:00 Intro 00:16 Why Summer Travel Feels So Expensive 02:50 Step 1: Set Your Total Trip Cap 03:49 A Budget Is Not a Killjoy 05:46 Let Flight Deals Decide Where You Go 07:55 Step 2: Break the Trip Into Real Categories 12:22 Step 3: Plan Backwards 15:13 Step 4: Cut Costs Without Ruining the Trip 17:48 Book Experiences in Advance & Pick Your Splurges 19:21 Use Credit Card Points 19:58 What to Do If You Can't Afford the Trip You Want 22:05 Travel Is Part of a Rich Life Learn more about your ad choices. Visit megaphone.fm/adchoices
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  If Paying Off Debt Is Taking Over Your Life: Listen To This (Bonus) 19.03.2026 13Min.

  If paying off debt is starting to feel like it's swallowing your whole life–– this episode is for you. Today I’m getting honest with you about something the personal finance world doesn't say enough: debt payoff isn't just a numbers problem, it's an emotional one. The mental load of tracking balances, watching interest undo your progress, and feeling like you have to earn joy before you've hit zero is exhausting, and it's not what sustainable financial freedom looks like. In this episode, I'm giving you the pep talk you actually need, breaking down why hyper-vigilance around debt isn't discipline, what to do when debt payoff has consumed your entire personality, and four practical ways to protect your energy so you can keep going without burning out. Watch How to Payoff Credit Card Debt FAST: ⁠https://youtu.be/qLR-x0Zg4eY⁠  Visit https://herfirst100k.com/ffpod to join the free 5-Day Debt Payoff Challenge!  00:00 Intro 00:23 The Pep Talk You Need 01:16 Debt as Cognitive Labor 01:50 Why Debt Payoff Feels So Hard 02:28 Shame & Moral Failure Around Debt 03:02 The Invisible, Unpaid Work of Debt 03:52 Hyper-Vigilance Is Not Discipline 04:15 When Debt Becomes Your Whole Identity 05:22 You Don't Have to Suffer to Be Responsible 08:02 4 Ways to Protect Your Energy 08:09 #1 – Automate Everything 09:00 #2 – Stop Checking Your Accounts Daily 10:52 #3 – Give Yourself Permission to Have a Personality 11:24 #4 – Slow Progress Beats Burnout 11:33 Closing Thoughts Learn more about your ad choices. Visit megaphone.fm/adchoices