Finance Girlies: Money Conversations for Gen Z and Millennial Women

Episodes

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  Personality-based budgeting with budget coach Erin Britt / 86 29.07.2026 38m

  Some people color-code their budgets, reconcile every transaction, and genuinely enjoy a spreadsheet. Others would rather do just about anything else. If you've ever looked at someone else's budgeting system and thought, There's no way I could keep up with that, you’ll want to hear this conversation. In this episode, we chat with budget strategy coach and host of The Budget Effect, Erin Britt, to unpack one big question: does your personality determine whether you'll be good at budgeting? We ...
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  Is investing $100 a week enough to fund retirement? / 85 22.07.2026 13m

  When it comes to retirement, one question comes up again and again: How much is actually enough? It’s common to see advice online that says to invest a certain amount every week, but it’s much harder to know whether that number will actually get you where you want to go. In this episode, we break down one of the internet’s most common investing questions: Is investing $100 a week enough for retirement? We walk through the math behind what consistent investing can grow into over 20, 30, and 40...
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  We tried it: Using points and miles to book travel (without being experts) / 84 15.07.2026 19m

  There’s no shortage of advice about the right way to use credit card points for travel. Transfer partners, sign-up bonuses, maximizing every redemption... it can start to feel like there’s a test you’re supposed to pass before you’re allowed to book a trip. In this episode, we’re sharing a different perspective. We both recently used credit card points to book summer travel, and neither of us did it in the most optimized way. But instead of waiting until we knew every trick in the book, we us...
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  The one skill every woman needs to increase her income with Megan Smyth / 83 08.07.2026 46m

  When you hear the word "sales," you might think of awkward pitches, pushy tactics, or convincing someone to buy something they don't want. But what if selling actually looked more like listening, building relationships, and creating opportunities for yourself? In this episode, we talk to Megan Smyth, a sales coach and educator who helps female entrepreneurs sell without apology. We talk about why so many women struggle with sales, how our nervous systems shape the way we experience money conv...
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  What the tradwife movement means for women's finances (re-release) / 82 01.07.2026 29m

  This episode was previously available exclusively to our paid subscribers and is now being released to all listeners. We’re excited to share it with all the girlies out there! -------- The trad wife lifestyle is being sold as soft, simple, and secure. But is it financially safe? In this episode, we unpack what the trad wife movement actually promotes, how it differs from choosing to stay home, and why financial autonomy still matters — even inside healthy marriages. We look at the influ...
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  How emotions affect your money decisions with Simone Griffin Taylor / 81 24.06.2026 45m

  Have you ever felt guilty for spending money on something you love, but thought nothing of spending money on something you felt like you should do? Or found yourself thinking, "I'm just bad with money"? In this episode, we're joined by financial wellness coach Simone Griffin-Taylor for a conversation about the emotional side of personal finance. We explore why money decisions are rarely as logical as we think, how shame and self-judgment can show up in our financial lives, and why understandi...
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  From $3k to $17k in one month: Lessons from Cassidy’s freelance business / 80 17.06.2026 37m

  When your income isn't predictable, it can be hard to know whether a slow season is just part of the process or a sign that something needs to change. And when so much financial advice assumes the same paycheck shows up every two weeks, navigating those ups and downs can feel even more frustrating. In this episode, we're diving into Cassidy's freelance business and taking a transparent look at what her year has actually looked like behind the scenes. After experiencing one of her lowest earni...
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  Does money buy happiness? Let's talk about it (re-release) / 79 10.06.2026 36m

  ✨💎 RE-RELEASE OF A FORMERLY INSIDERS-ONLY EPISODE 💎✨ This episode was previously available exclusively to our paid subscribers and is now being released to all listeners. We’re excited to share it with all the girlies out there! “Money isn’t everything.” It’s advice many of us grew up hearing—from family members, TV shows, even Hallmark movies. But if you’ve ever lived paycheck to paycheck, carried debt, or panicked about an unexpected expense, you know it’s not the full story. In this episod...
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  How Brittany Flammer built a $950k net worth on a 5-figure income / 78 03.06.2026 43m

  We often assume building wealth requires a high salary, perfect investing decisions, or some kind of shortcut. But sometimes, the biggest results come from years of small, consistent choices. In this episode, we talk with financial coach and mom of five Brittany Flammer. Over the course of her 21-year marriage, Brittany and her husband averaged an income of roughly $40,000 per year while steadily building a net worth that’s now approaching $1 million. Their story isn’t built on shortcuts or l...
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  The money advice we needed in our 20s (and still stand by today) / 76 20.05.2026 37m

  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 everythi...
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  How Elisabeth built a minimalist lifestyle with less stuff and more freedom / 75 13.05.2026 41m

  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 mo...
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  Arden Missal didn’t want to shrink her lifestyle — so she paid off $150K in debt, fast / 74 06.05.2026 57m

  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 sha...
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  Roth IRA or 401(k)? Where to invest first with Sean Mullaney / 72 22.04.2026 40m

  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 ...
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  Feeling disorganized with your money? Try spring cleaning your finances / 71 15.04.2026 26m

  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 subscriptio...
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  Rethinking the emergency fund: How much do you need to save? / 70 08.04.2026 38m

  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...
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  7 smart ways to use your tax refund in 2026 / 69 01.04.2026 19m

  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 th...
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  Why you don’t feel ready to invest (and how to start anyway) / 67 18.03.2026 21m

  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 le...
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  Feeling stuck with money? Start with your beliefs, not the numbers (ft. Michelle Malawer) / 66 11.03.2026 36m

  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 ...
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  Sarah Turner on the money beliefs that followed her to 8 figures / 65 04.03.2026 50m

  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, ...
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  We tried it: Getting reimbursed for travel delays / 63 18.02.2026 34m

  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, wit...