The Vault with Financielle

Episoder

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  Age 34 with £27k debt and no pension! | The Vault Episode 129 10.09.2026 48min

  What do you do when you're the only person who knows how much debt you're actually in? 😳This week, we're diving into these money dilemmas:💸 "I'm 34 With £27k of Debt and No Pension — And My Partner Doesn't Know"💸 "Buy, Rent or Stay at Home?"Plus an update from Michelle (ep128) — she put her big girl pants on, brought the budget up with the group, and the girls holiday chat went so much better than she expected 🎉Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch**The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  “My friends can’t agree on our girls holiday budget” | The Vault Episode 128 03.09.2026 47min

  We're back! Summer break is officially over and The Vault is open again 💖This week, we're diving into these money dilemmas:💸 "I Earn £101k — Has My Pay Rise Cost Me My Free Childcare?"💸 "My Friends Can't Agree On Our Girls Holiday Budget"Plus a gorgeous update from Tamika & Thomas (ep115) — after their dilemma on combining finances before marriage, there's a joint account AND a wedding booked 🎉Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch**The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  "£10k saved, £4k owed... Do I clear my debt?" 27.08.2026 32min

  Over 750,000 of you watched this dilemma on socials — so while we work on the next chapter of The Vault, we're bringing back the episodes you loved most. 🤫This week we debate the controversial opinion "wellness is for the elite", before diving into two listener dilemmas:💸 "Should I use my savings to clear my debt?"💸 "My parents give my brother more financial support than me!"Plus a community win: one listener's net worth up £900 after just ONE MONTH with Financielle 📈Got a money dilemma or a win to share? Tell us anonymously in the Financielle app or email [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch ** The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  "I'm going into debt for my son's £400 school trip" 20.08.2026 29min

  While we work on the next chapter of The Vault, we're bringing back the episodes you loved most. 🤫This week we debate the controversial opinion "maternity leave should be fully paid for at least a year" 🫄, before diving into two listener dilemmas:💸 "I'm going into debt for school trips"💸 "I'm in a PCP agreement with my ex!"Plus a brilliant community win: one listener cut her credit limit so the debt cycle can't restart. 🎉Got a money dilemma or a win to share? Tell us anonymously in the Financielle app or email [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch** The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  "I have $200k in my pension but only $1,300 in savings… Help" 13.08.2026 41min

  While we work on the next chapter of The Vault, we're bringing back the episodes you loved most. 🤫 This one kicked off our biggest year yet!We open with a round of Jail or No Jail: "I keep all my money in cash because investing scares me"… guilty or not? 🚨Then we dive into two listener dilemmas:💸 "I Have $200k in My Pension but Only $1,300 in Savings… Help"💸 "I'm Trapped in My Overdraft After 20 Years"Plus a community win that still makes us smile: £15k overpaid on a mortgage in one year 👏Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email [email protected] 💌You're not alone in figuring this stuff out. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch** The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  "£90k debt and my husband has run out of money" 06.08.2026 36min

  Over 1 million of you watched this dilemma on socials — so while we cook up the next chapter of The Vault, we're bringing back the episodes you couldn't stop talking about. 🤫This week we debate the controversial opinion "couples should ALWAYS combine finances", before diving into two listener dilemmas:💸 "I've always been an 'executive sponsor' for my friends"💸 "£90k debt and my husband has run out of money"Plus a listener money win we love: a £175 bank-switch bonus, straight onto the loan. 👏Got a money dilemma or a win to share? Tell us anonymously in the Financielle app or email [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸
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  "I Want to Retire at 45 — Am I Delusional or Is FIRE Actually Achievable?” | The Vault Episode 127 30.07.2026 29min

  We're closing the Vault for a little while, but we're going out on a high 🥹This week's dilemmas:💸 "I Want to Retire at 45. Am I Being Delusional or Is FIRE Actually Achievable on a Normal Salary?"💸 "My Brother Gets £150 a Month in Pocket Money — How Do I Set Him Up Financially Before He Makes My Mistakes?"Thank you so much for being part of The Vault with Financielle community, we'll be back soon with some of our favourite episodes while we take a little break. 🤍In the meantime, check out all the amazing content we have at https://financielle.com/ 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch ** The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  "He Wants One Joint Account — I Have 10 Sinking Funds” | The Vault Episode 126 23.07.2026 46min

  When two very different money personalities move in together… something's gotta give 👀This week's dilemmas:💸 "He Wants One Joint Account for Everything — But I Have 10 Sinking Funds and I Cannot Give Them Up"💸 "I Earn a Good Salary, Own 2 Rental Properties, and Still Don't Know What to Do With My Money"Got a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [[email protected]] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch ** The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  "I Was Gifted £50k and I'm Buying My First Home Alone” | The Vault Episode 125 16.07.2026 35min

  From massive life changes to big money gifts, this week's dilemmas are proof that even good things can still keep you up at night 😅This week's dilemmas:💸 "I'm Moving Abroad for Two Years — What Happens to My Pension and ISA While I'm Gone?"💸 "I Was Gifted £50k and I'm Buying My First Home Alone — What Do I Need to Know?"Got a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [[email protected]] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch** The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  "I Earn £50k But I Want to Take a £20k Pay Cut” | The Vault Episode 124 09.07.2026 34min

  This week we're getting into the messy reality of mortgage overpayments, emergency funds, and whether a dream job is worth a £20k pay cut 👀This week's dilemmas:💸 "I've Been Overpaying My Mortgage for Two Years — But I Have Nothing in Savings. Am I Backwards?"💸 "I Earn £50k and Want to Take a £20k Pay Cut — Am I Making a Huge Mistake?"Mentions:🏡 Amortization calculator: https://www.calculator.net/amortization-calculator.html💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*Got a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [[email protected]] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch** The above are tracked links, which tell our partners we sent you and may in future result in a payment or benefit to our site.
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  “Help! I’m inheriting £300k” | The Vault Episode 123 02.07.2026 39min

  What would you actually do with a life-changing inheritance? 👀This week's dilemmas go deep:💸 "Help! I’m inheriting £300k"💸 "We're Paying Off £9k of Debt, But I Can't Stop Spending On My Daughter"Plus we asked the community: have you ever used AI for your finances? Would you trust it with your bank statements? 🤖Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [[email protected]] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch ** The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  "Do we stay for the pension or leave for the life we actually want?” | The Vault Episode 122 25.06.2026 45min

  We asked how much you've spent on a wedding that wasn't yours… and some of your answers were shocking 😅💸This week's dilemmas:💸 "Do we stay for the pension or leave for the life we actually want?"💸 "Is this lifestyle creep or self care?"Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email us at [[email protected]] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch **The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  "I earn £113k and I still don't know whether to rent or buy" | The Vault Episode 121 18.06.2026 39min

  What's the first thing you cut when money gets tight? Coffee? Eating out? Nails? 👀This week's dilemmas:💸 "I'm 42, buying a house with my younger boyfriend — should we go big on the deposit or invest the rest?"💸 "I earn £113k and I still don't know whether to rent or buy"Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email us at [[email protected]] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch **The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  “What's the point of saving if life can take it all away?” | The Vault Episode 120 11.06.2026 39min

  If you won the lottery tomorrow, would you take a lump sum of cash or Set for Life?This week's dilemmas:💸 “My dad worked his whole life just to pay for his own care”💸 "Help! The spreadsheet is his Bible…”Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email us at [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch **The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  “I Want to Go Self-Employed — But I'm Terrified of Getting the Money Wrong” | The Vault Episode 119 04.06.2026 43min

  We asked what you refuse to cheap out on… and Heinz, 3-ply toilet roll and a good mattress came up more than we expected 😂This week's dilemmas:💸 "I Want to Go Self-Employed — But I'm Terrified of Getting the Money Wrong"💸 "I Have £10k Saved — Should I Blow It All to Clear My Debt?"Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email us at [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸
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  “My Friends Split Everything 50/50 — But We Don't All Earn the Same” | The Vault Episode 118 28.05.2026 39min

  You told us whether you have or want a second job… and the results might surprise you 👀This week's dilemmas hit different:💸 "My Landlord Wants to Sell and Is Offering Me First Refusal — Can I Actually Buy This House?"💸 "My Friends Split Everything 50/50 — But We Don't All Earn the Same"Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email us at [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at ⁠Lifesearch⁠ **The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  "I've Been Lying to My Partner About My Salary for Three Years” | The Vault Episode 117 21.05.2026 38min

  We asked: what money advice would you give your younger self? Tell us in the comments! 👇This week we're diving into two very different but very real money dilemmas:💸 "I've Been Lying to My Partner About My Salary for Three Years"💸 "I Work Two Jobs and Still Can't Make a Dent in My Debt"Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at ⁠Lifesearch⁠ **The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  "I'm Earning More Than Ever But I Have Nothing to Show for It" | The Vault Episode 116 14.05.2026 41min

  #ad A special episode, brought to you with our friends at Compare The Market 💙We asked about the worst lifestyle creep you'd witnessed... and the bestie who "couldn't possibly do economy anymore" had us 😭Compare the Market's latest research shows one in five (20%) said they kept their pay rise a secret from friends and family.This week we're getting into two very real money dilemmas:💸 "My Daughter Spends Like There's No Tomorrow"💸 "I'm Earning More Than Ever But I Have Nothing to Show for It"Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously ) in the Financielle app community or email [email protected] You don't have to figure this out alone. More honest money chat at financielle.com
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  “I’m Hiding £8,000 of Debt From My Partner…” | The Vault Episode 115 07.05.2026 38min

  We asked your biggest money regrets… and nobody is coming out of this unscathed 😭This week's dilemmas hit close to home:💸 "My Partner Doesn't Know About My Debt — When Do I Come Clean?"💸 "Should You Combine Finances Before Marriage?"Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch **The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
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  “I Finally Got My Finances Together… Now I Want to Quit My Job” | The Vault Episode 114 30.04.2026 47min

  We asked: what do you spend money on that your partner doesn't know about… and the confessions were immaculate 😭This week we're getting into two very different but very real money moments:💸 "I Finally Got My Finances Together. Now I Want to Quit My Job."💸 "I'm Heartbroken, In Debt, and About to Lose My Home — Where Do I Start?"Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at ⁠Lifesearch⁠ **The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.