Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women
Germaine Foley | Financial Coach
0
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.
Episódios
-
190. Making Good Money but Still Wondering Where It Goes? 11.08.2026 21minIf you make good money but still feel like too much of it is going out the door, this episode is for you. Maybe you’re earning more than you ever have before, but you still don’t have the margin, savings, retirement progress, or breathing room you thought you would have by now. Maybe you look around and think: “Where is all of my money going?” “I should have more saved.” “I should have less credit card debt.” “I feel like money comes in and goes right back out.” In this episode, we’re talking... -
189. How to Build Wealth Without Giving Up the Life You Enjoy 04.08.2026 29minIf you want to build wealth but the thought of giving up everything you enjoy makes you want to avoid your money altogether, this episode is for you. For a long time, I thought getting serious with money meant living a boring, restricted, super frugal life. No more vacations. No more eating out. No more buying nice things. No more enjoying the money we worked hard for. And because that sounded miserable, I avoided dealing with my finances longer than I should have. That is why I created the D... -
188. The Biggest Financial Mistake Women Make After Getting a Raise 28.07.2026 12minIf you’ve ever gotten a raise, bonus, new client contract, or any other increase in income and thought, “This is finally going to help me get ahead,” this episode is for you. Because extra money can absolutely help you build wealth, pay down debt, save more, and create more breathing room. But only if you decide ahead of time what that money is going to do. In this short and actionable episode, we’re talking about the biggest financial mistake women make after getting a raise, and why it happ... -
187. Making Good Money Isn’t the Same as Building Wealth 21.07.2026 24minIf you make good money but still feel like you should be further along financially, this episode is for you. Maybe you’re making more than you did five or ten years ago. Maybe you’ve earned the degree, built the career, grown the business, received the promotion, or finally reached the income level you once thought would change everything. And yet, your financial life may not feel the way you thought it would feel by now. Your savings may not be where you want it to be. You may still be carry... -
186. Why Making More Money Can Still Leave You Feeling Behind 14.07.2026 21minIf you make more money than you used to, but somehow still feel behind financially, this episode is for you. Maybe when you were younger and made less, you were more careful. You paid attention. You knew where your money was going. You had a plan. But as your income increased, you may have started feeling like you didn’t need to watch things as carefully anymore. And now, even though you make good money, your savings, debt, investments, or net worth may not reflect the income you bring in. In... -
185. Your Past Money Habits Created Your Current Financial Life 07.07.2026 21minIf you’ve ever looked at your debt, savings, spending, investments, or net worth and thought, “How did I get here?” this episode is for you. We’re talking about how your past money habits created your current financial life, and why that can actually be a freeing thing to understand. Not to blame yourself. But because where you are today is not your final destination. It’s simply what has been created so far. In this episode, we’ll get into: Why your current financial life is information, not... -
184. Why Money Keeps Coming In and Going Right Back Out 30.06.2026 29minThis is an encore episode and one of the most important conversations I’ve shared on the podcast. If you make good money but still feel like money comes in and goes right back out, this episode is for you. Maybe you save money for a little while, but then find yourself dipping into it. Maybe you transfer money to savings, but it never seems to accumulate. Maybe every paycheck feels like a reset, and by the time the next one comes, there’s not much left to show from the last one. In this episo... -
183. Why Knowing What to do With Money Isn't Enough 23.06.2026 13minIf you’ve ever thought, “I know what I should be doing with my money, I just can’t get myself to do it consistently,” this episode is for you. Because the truth is, most women are not struggling financially because they don’t have access to enough information. There are podcasts, books, YouTube channels, spreadsheets, social media posts, and experts everywhere telling you how to save money, pay off debt, stop overspending, invest, budget, and build wealth. So if information alone was enough, ... -
182. Why You Keep Waiting Until You Feel Motivated to Fix Your Money 16.06.2026 16minIf you started the year with big financial goals but now realize you’ve barely thought about them in months, this episode is for you. Maybe you said this was the year you were going to save more money, stop overspending, pay off credit card debt, or finally get serious about building wealth. And maybe you meant it. But now we’re about halfway through the year, and you may be wondering how you got off track again. In this episode, we’re talking about why so many women wait until they feel moti... -
181. Why It Feels Like Something Always Happens When You Start Saving Money 09.06.2026 16minIf 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 18minIf 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 21minIf 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 24minIf 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 17minIf 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 25minIf 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 11minIf 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 32minIn 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 15minIf 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 17minIf 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 19minIf 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...
Popular em
Este podcast também aparece nas paradas de podcasts destes países.