Don&#8217;t Depend On Daddy

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

👩🏼‍💻 Inquiries: michela@breakyourbudget.com

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

https://breakyourbudget.com/personal-finance-dashboard

122. Tiny 5-Minute Habits That Make Me Feel Put Together & Upgrade my Life Aug 13, 2025

In this episode,I’m breaking down the tiny 5-minute habits that are making a huge difference in my daily life. If you’ve ever felt stuck in an all-or-nothing mindset—thinking you need an hour to start a routine or see results—this episode will be a game changer. I’ll walk you through the small shifts I’ve made to feel more grounded, clear-headed, and put-together—without overhauling my schedule. From skincare and morning mindset tweaks to digital boundaries and evening resets, these are the tiny habits that actually stick (and how I made them stick).

💡 Whether you're low on time, energy, or motivation, these habits are realistic and doable—even in your busiest seasons.

TIME STAMPS:

00:00 – Why tiny habits matter: the all-or-nothing mindset trap

01:00 – Quick plug: personal finance templates and tools

03:00 – How slowing down 10 minutes a day changed everything

05:00 – You don’t need a 15-step routine to feel better

08:00 – Small habit #1: phone outside the bedroom + real phone boundaries

10:00 – Small habit #2: podcast + morning walk = habit stack

12:00 – Small habit #3: ice rolling and face massage before the shower

14:00 – Small habit #4: music as a morning mood booster

15:00 – Small habit #5: lip gloss, perfume & lotion as a mindset shift

18:00 – Small habit #6–10: hydration, tidying, nighttime planning, red light mask, and guilt-free joy

BREAK YOUR BUDGET RESOURCEs:

💸 Personal Finance Dashboard:

💸 Basic Budgeting Template:

https://breakyourbudget.com/basic-budgeting-template

💸 NEW FI/RE Template:

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

👩🏼‍💻 Inquiries: michela@breakyourbudget.com

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

https://breakyourbudget.com/personal-finance-dashboard

121. Building a 7-Figure Content Business: My Strategy and Best Tips to Start Creating Content Aug 06, 2025

The first 500 people to click my link or scan this QR code will get a 1 month free trial of Skillshare! Get started today! https://skl.sh/breakyourbudget07251

In this episode, I’m sharing the real story behind building a content creation career—from how I got started to how I actually make money and why it’s harder (and more rewarding) than it looks. Whether you're just starting out or thinking about turning your content into a business, this is a must-watch.

I cover what it's really like to be a full-time creator, how I transitioned from working in finance to making content online, and how platforms like Skillshare helped me expand my creative skills and income streams.

🎥 What’s inside:

-How I got started in content creation (and why I stuck with it)

-How I make money (digital products, brand deals, affiliate)

-What people get wrong about content creators

TIMESTAMPS:

00:00 – Intro: Why I’m finally making a video about content creation

01:30 – My background: Finance career to full-time creator

03:15 – The truth: It took me 2 years to make money online

04:50 – The biggest misconception about creators (and my thoughts)

07:00 – Income breakdown: brand deals, digital products, affiliate

10:15 – Creating a sustainable schedule: content batching + planning

12:45 – My favorite tools that keep me consistent

15:00 – How Skillshare helped me build creative & business skills

17:30 – Creator burnout: boundaries, algorithm pressure & overthinking

20:00 – Advice I’d give myself (and you) if I was starting today

BREAK YOUR BUDGET RESOURCES:

💸 Personal Finance Dashboard:

https://breakyourbudget.com/personal-finance-dashboard

💸 Basic Budgeting Template:

https://breakyourbudget.com/basic-budgeting-template

💸 NEW FI/RE Template:

https://breakyourbudget.com/fire-template

✅ Subscribe to Break Your Budget Weekly:

https://breakyourbudget.com/newsletter

📖 My Books:

https://breakyourbudget.com/book

👩🏼‍💻 Task Management System + Promotion Template:

https://breakyourbudget.com/own-your-career-template

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

https://breakyourbudget.com/links

👩🏼‍💻 Inquiries: michela@breakyourbudget.com

📸 Instagram: https://www.instagram.com/breakyourbudget/

📲 Tiktok: https://www.tiktok.com/@breakyourbudget

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

https://www.shopltk.com/explore/MichelaAllocca/

120. Everything I Am Obsessed With Right Now: Chic Style, Glowy Skin & Good Reads Jul 30, 2025

In this episode I'm taking a fun and personal turn and sharing all of my monthly favorites—from skincare and fashion to books, podcasts, and content creators I'm loving lately. I’m chatting about products that made a difference in my routine, creators who’ve inspired my style journey, and books I can’t put down (and one super-hyped one I just can’t finish). If you’re into personal growth, simple beauty, chic vibes, and building a more intentional lifestyle, this one’s for you.

🎙️ Plus: My current skincare obsessions (hello, derm PAs on TikTok), must-have linen shirts, and what’s really worth the splurge. I’m also asking YOU to share your favorites with me!

TIME STAMPS:

00:00 – Intro: Why I’m sharing my monthly lifestyle favorites

01:00 – Quick plug: Budgeting tools & FIRE resources

03:00 – Life update: Feeling 30, therapy, and starting meds

05:00 – Content creators I’m loving (fashion, Substacks, TikTok inspo)

08:00 – Educational fashion TikTok: creators & outfit formulas

13:00 – Skincare side of TikTok: Derm PAs, Botox, product recs

17:00 – Current product faves: IT Cosmetics concealer, sheet masks, etc

24:00 – Fashion picks: Quince linen shirts + Reformation satin pants

28:00 – Podcast recs: wellness, skincare, and brand-building

38:00 – Book opinions: What I’m reading & why I DNF’d Fourth Wing

EVERYTHING I MENTIONED:

Creators (all on TikTok)

@JenKnowsBestBlog

@Oliviasara_23

@ladydianamay

@digitaltaylor

@theclarajones

@donatsuyang

Products:

IT Cosmetics Concealer: https://rstyle.me/+z6QImh0PftHyT1zkCqkiEg

Concealer BrushL https://rstyle.me/+8cgmEPJfULr_6wZk2LlVOQ

Medicube PDRN Cream: https://rstyle.me/+Ro7isGSJ4aCMuzpbCvBUMg

Quince Linen Shirt: https://goto.quince.com/55zxQD

Reformation Gale Pant: https://rstyle.me/+-3yhdVV1KSvy9-PDlkp2ow

Podcasts I like:

The Wellness Process

Well by Arielle Lorre

Dr. Shannon Show

Dream Bigger Podcast

Almost 30

Break Your Budget Resources:

💸 Personal Finance Dashboard:

https://breakyourbudget.com/personal-finance-dashboard

💸 Basic Budgeting Template:

https://breakyourbudget.com/basic-budgeting-template

💸 NEW FI/RE Template:

https://breakyourbudget.com/fire-template

✅ Subscribe to Break Your Budget Weekly:

https://breakyourbudget.com/newsletter

📖 My Books:

https://breakyourbudget.com/book

👩🏼‍💻 Task Management System + Promotion Template:

https://breakyourbudget.com/own-your-career-template

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

https://breakyourbudget.com/links

👩🏼‍💻 Inquiries: michela@breakyourbudget.com

📸 Instagram: https://www.instagram.com/breakyourbudget/

📲 Tiktok: https://www.tiktok.com/@breakyourbudget

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

https://www.shopltk.com/explore/MichelaAllocca/

119. When $100K Doesn’t Feel Like Enough and Work Feels Wrong: Answering Your Money & Career Questions Jul 23, 2025

In this Q+A episode, I’m answering your most-asked personal finance and career questions—covering everything from how I manage my money now that I’m self-employed, to navigating career pivots, saving for big goals, and making the most of your 20s and 30s.

Whether you're trying to build a budget that actually works, wondering how to balance saving vs. investing, or struggling to figure out your next career step—this episode has the honest, practical advice I wish I had when I was just getting started.

We’re covering both tactical money tips and deeper mindset shifts around work, worth, and building a life that feels aligned. If you’re in a season of transition or just want to feel more financially grounded, this one’s for you.

TIMESTAMPS:

00:00 – Intro: answering your personal finance & career questions00:48 – I’m 24 and feeling lost—should I pay off student loans or save first?03:45 – Any advice for paying off student loans more strategically?06:10 – Which FIRE path are you pursuing now and why?08:00 – What’s the biggest money mindset shift you’ve made lately?10:35 – I’m approaching $100K but still feel poor—what’s going on?13:00 – How did you pivot from your 9–5 into content full time?15:45 – What does the admin side of your business setup look like?18:00 – How do you negotiate a raise or promotion when there’s “no budget”?20:15 – How do you know when it’s time to pivot careers—and manage the risk?23:10 – I quit a toxic job without a backup. Any advice for staying positive?

💸 Personal Finance Dashboard:

💸 Basic Budgeting Template:

https://breakyourbudget.com/basic-budgeting-template

💸 NEW FI/RE Template:

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

👩🏼‍💻 Inquiries: michela@breakyourbudget.com

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

https://breakyourbudget.com/personal-finance-dashboard

118. My Mid-Year Life Reset: Fitness, Routines, Career & Decluttering Jul 16, 2025

I just turned 30, and in this episode I’m walking you through my mid-year life reset. From shifting my workouts and eating more protein, to simplifying my content strategy and decluttering my space—these are the small but intentional changes I’m making to feel better, work smarter, and live with more peace in the second half of the year. If you’re craving more structure or clarity, this reset might be the nudge you need.

TIMESTAMPS: (skip 9:00-22:00 for trigger warning)00:00 – Intro: What Don't Depend on Daddy is about01:00 – Housekeeping & digital product discounts03:00 – Turning 30: How it actually feels04:30 – Why I structure my goals in 6-month increments06:00 – Self-reflection questions for a personal reset09:00 – Fitness goals, calorie tracking, and protein adjustments16:30 – Creating a consistent, structured workout plan20:00 – Fitbit, walking goals, and staying motivated22:00 – Morning routine tweaks + reading financial news24:00 – Career strategy shifts + reshaping content creation

💸 Personal Finance Dashboard:

💸 Basic Budgeting Template:

https://breakyourbudget.com/basic-budgeting-template

💸 NEW FI/RE Template:

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

👩🏼‍💻 Inquiries: michela@breakyourbudget.com

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

https://breakyourbudget.com/personal-finance-dashboard

117. 30 Non-Cliche Lessons I've Learned by 30 🤍 Jul 09, 2025

I’m sharing the unfiltered, sometimes uncomfortable but deeply important lessons I’ve learned by 30—from relationships and self-worth to money, boundaries, and doing life your way. Whether you’re in your 20s or already beyond 30, these life lessons cover navigating adulthood, building independence, de-centering external validation, and cultivating confidence in your own timeline.

00:00 – Welcome & turning 30
03:00 – Lesson 1: You have plenty of time
05:45 – Lesson 4: Move to a new place at least once in your 20s
08:00 – Lessons 5–6: Let friendships and people leave naturally
10:45 – Lessons 7–8: Decenter men & develop real hobbies
13:00 – Lessons 9–10: Choose quality over quantity & keep learning
16:00 – Lessons 11–13: News, phones, and self-discipline
20:00 – Lessons 17–21: Appearance, reading, finances & independence
24:00 – Lessons 22–25: Being alone, clothing that fits, and managing space
28:00 – Lessons 26–30: Lifestyle creep, boundaries & living life on your terms

💸 Personal Finance Dashboard:

💸 Basic Budgeting Template:

https://breakyourbudget.com/basic-budgeting-template

💸 NEW FI/RE Template:

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

👩🏼‍💻 Inquiries: michela@breakyourbudget.com

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

https://breakyourbudget.com/personal-finance-dashboard

116. 5 Habits Helping Me Feel My Best This Summer: Summer 2025 State of the Union Jul 02, 2025

Welcome back to Don’t Depend on Daddy, the podcast empowering young professionals to build independent, intentional lives. In this Summer 2025 State of the Union, I’m reflecting on what’s in and what’s out this season—from skincare to career goals, dating, therapy, and everything in between. I’m also sharing five things I’m doing to feel my absolute best physically and emotionally this summer. If you’re entering a new era, trying to enjoy your 20s or 30s with more intention, or just want some inspiration for your own “hot girl summer,” this episode is for you.

💸 Personal Finance Dashboard:

💸 Basic Budgeting Template:

https://breakyourbudget.com/basic-budgeting-template

💸 NEW FI/RE Template:

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

👩🏼‍💻 Inquiries: michela@breakyourbudget.com

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

https://breakyourbudget.com/personal-finance-dashboard

115. 5 Smart Financial Moves I Made in My 20s (That Built My Net Worth to $1M+) Jun 25, 2025

In this episode, Michela is breaking down the top 5 financial decisions that helped her cross the $1M net worth threshold before turning 30. From living at home post-grad and building a business, to tracking every dollar and calculating my FIRE number—these choices weren’t flashy, but they were incredibly effective. Whether you’re in your early 20s or heading into your 30s, these are the practical, foundational moves that can create serious financial momentum over time.

I’ll also share the mindset shifts that made the biggest difference and how to apply these lessons to your own journey—even if you feel “behind.

TIME STAMPS:

00:00 – Intro: approaching 30, thirties reflections

01:30 – Housekeeping: templates, upcoming FIRE & real estate tools

04:30 – Why financial progress takes years, not months

06:00 – Decision #1: Living at home + keeping rent low

10:00 – Decision #2: Starting a business (Break Your Budget)

14:30 – Decision #3: Choosing a practical college major (Finance)

18:30 – Decision #4: Tracking my expenses consistently

22:00 – Decision #5: Calculating my FIRE & work optional numbers

26:30 – Closing thoughts: Your 20s don’t have to be perfect, they just need to be intentional

💸 Personal Finance Dashboard:

💸 Basic Budgeting Template:

https://breakyourbudget.com/basic-budgeting-template

💸 NEW FI/RE Template:

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

👩🏼‍💻 Inquiries: michela@breakyourbudget.com

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

https://breakyourbudget.com/personal-finance-dashboard

114. The 5 Best Purchases I Made in My Twenties (That Actually Changed My Life) Jun 18, 2025

In this episode of Don’t Depend on Daddy, Michela shares the five best purchases she made throughout her twenties—ranging from a $20 book to a $9,000 cosmetic procedure. These investments weren’t just splurges—they deeply impacted her confidence, routines, finances, and lifestyle. From at-home coffee rituals and skincare to the transformative power of a nose job, Michela breaks down why each purchase was worth it, how she thinks about ROI when spending, and why being intentional with money is the ultimate glow-up. Whether you're in your early twenties or nearing 30, this episode will challenge you to rethink what it means to spend wisely.

TIME STAMPS:

00:00 – Intro + Japan travel update & upcoming budget breakdown

03:00 – Financial tools, grad season gifts, and mid-year budget planning

05:00 – Why intentional spending matters in your 20s

06:30 – Best Purchase #1: Breville Barista Express & at-home coffee ritual

10:00 – Best Purchase #2: My nose job + how it built my confidence & business

14:30 – Navigating self-image and spending on appearance

21:00 – Best Purchase #3: The Daily Stoic and mindful morning routines

24:00 – Best Purchase #4: Red light mask & my skincare confidence journey

26:30 – Best Purchase #5: Kindle + why reading changed my life

28:45 – Final thoughts + my mindset behind “worth it” purchases

💸 Personal Finance Dashboard:

💸 Basic Budgeting Template:

https://breakyourbudget.com/basic-budgeting-template

💸 NEW FI/RE Template:

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

👩🏼‍💻 Inquiries: michela@breakyourbudget.com

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

113. Building a Minimalist-Ish Wardrobe and Finding Your Style with Christina Mychas Jun 11, 2025

In this episode of Don’t Depend on Daddy, Michela is joined by Christina Mychas—pharmacist turned YouTuber and stylist—to talk all things intentional living, personal style, and Christina’s signature concept: minimalist-ish. Together, they unpack how to shift from chronic overspending and shame-driven “no buys” to curating a wardrobe (and lifestyle) that feels aligned, elevated, and joyful. Expect a deep dive into capsule wardrobes, finding your outfit formula, buying better, and the behavioral science behind why we shop—and how to stop. If you’ve ever looked at a closet full of clothes and felt like you had nothing to wear, this episode will change your perspective.

TIME STAMPS:

Episode Starts at 4:35

00:00 – Intro to the episode + quick housekeeping01:50 – Meet Christina: pharmacist, stylist, YouTuber & minimalist-ish founder03:15 – Christina’s $120K debt story and the shopping addiction that fueled it06:45 – The “boots under the bed” moment that changed everything08:00 – Starting with a no-buy challenge and what she learned10:15 – Why restrictive no-buy rules often backfire13:00 – Transitioning to minimalist-ish: what it is & why it works15:30 – Wardrobe pain points: occasion clothes vs daily wear18:00 – The power of pausing shopping to discover your actual style20:30 – Christina’s process for decluttering with intention (style it vs store it)24:00 – How to identify and build your outfit formula27:45 – Using accessories and texture to elevate basic outfits32:15 – Making seasonal fashion choices with a minimalist lens36:00 – Christina’s book, minimalist-ish journal, and final advice

FIND CHRISTINA:

Instagram: https://www.instagram.com/christina.mychas

TikTok: https://www.tiktok.com/@christina.mychas

Youtube: https://www.youtube.com/@Christinamychas

Website: https://www.minimalist-ish.com/

Book: https://www.minimalist-ish.com/buy-my-journal

💸 NEW FI/RE Template:

https://breakyourbudget.com/basic-budgeting-template

💸 Basic Budgeting Template:

💸 Personal Finance Dashboard:

https://breakyourbudget.com/personal-finance-dashboard

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

👩🏼‍💻 Inquiries: michela@breakyourbudget.com

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

112. How I’m Breaking Up With Social Media and Taking My Life BACK!! Jun 04, 2025

On this episode of DDOD, Michela is sharing her journey of breaking up with social media as a creator. Content creation is an integral aspect of her business, but social media can become a toxic place. Michela shares how she is breaking her phone addiction to stop habitually scrolling, work through a dopamine detox, and create sustainable boundaries with social media. She covers why she is doing this, the negative impacts social media has on the brain, and the tactical tips she has been taking to implement.

TIME STAMPS:

Episode Starts at 4;25

💸 NEW FI/RE Template:

https://breakyourbudget.com/basic-budgeting-template

💸 Basic Budgeting Template:

💸 Personal Finance Dashboard:

https://breakyourbudget.com/personal-finance-dashboard

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

👩🏼‍💻 Inquiries: michela@breakyourbudget.com

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

111. Building a Service-Based Business Without Being an Influencer ft. Lucy Bedewi May 28, 2025

On this episode of DDOD, Michela sits down with Lucy Bedewi, the owner of MyWriteHandWoman. Lucy is a verbal and messaging strategist and she built her business while traveling full-time, after being fired from her first corporate job after 90 days. In this episode, Lucy shares her tips for getting started with a service business, landing your first client, selling high-ticket offers, and how she sells on social media without being an influencer. It’s a GREAT listen if you’re someone who wants to start your own business!

TIME STAMPS:

Episode Starts at 6:09

FIND LUCY:

Website: https://www.mywritehandwoman.com/

Instagram: https://www.instagram.com/mywritehandwoman/

💸 NEW FI/RE Template:

https://breakyourbudget.com/basic-budgeting-template

💸 Basic Budgeting Template:

💸 Personal Finance Dashboard:

https://breakyourbudget.com/personal-finance-dashboard

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

👩🏼‍💻 Inquiries: michela@breakyourbudget.com

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

110. Living Alone Without Feeling Lonely | How to Build Confidence by Doing Things Alone May 21, 2025

On this episode of DDOD, Michela shares a 2 year reflection on living alone. At first, living alone was scary, but Michela shares how she has navigated this period of her life and fostered both an intentional space as well as intentional activities that she does by herself. If you are feeling down about living alone, or want to live alone but are scared to do it, this episode is for you!

TIME STAMPS:

Episode Starts at 4:51

💸 NEW FI/RE Template:

https://breakyourbudget.com/basic-budgeting-template

💸 Basic Budgeting Template:

💸 Personal Finance Dashboard:

https://breakyourbudget.com/personal-finance-dashboard

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

👩🏼‍💻 Inquiries: michela@breakyourbudget.com

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

109. Building a Sustainable and Seasonal Wardrobe | How I Buy Clothes for 4 Seasons on a Budget May 14, 2025

On this episode of DDOD, Michela shares how she is approaching upgrading her wardrobe with the seasons in mind. Having a well-rounded wardrobe is HARD, especially if you live in a place that experiences 4 distinct seasons. In this episode, Michela is sharing some rules for approaching your seasonal wardrobe, financial guidelines to incorporate for spending on your seasonal wardrobe, and her thoughts (more of them lol) on buying clothes and actually wearing them! TIME STAMPS: Episode Starts at 8:17💸 NEW FI/RE Template: https://breakyourbudget.com/fire-template💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template💸 Personal Finance Dashboard:https://breakyourbudget.com/personal-finance-dashboard✅ Subscribe to Break Your Budget Weekly: https://breakyourbudget.com/newsletter📖 My Books: https://breakyourbudget.com/book👩🏼‍💻 Task Management System + Promotion Template:https://breakyourbudget.com/own-your-career-templateFREE DOWNLOADS:💸 Recession Guide: https://breakyourbudget.com/recession-guide✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kitAll Other Resources: https://breakyourbudget.com/links👩🏼‍💻 Inquiries: michela@breakyourbudget.com📸 Instagram: https://www.instagram.com/breakyourbudget/📲 Tiktok: https://www.tiktok.com/@breakyourbudget📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa💸 Break Your Budget LTK: https://www.shopltk.com/explore/Breakyourbudget

108. How to Make Money Online Without Being an Influencer ft. Kate Robb May 07, 2025

On this episode of DDOD, Michela is joined by the lovely Kate Robb, a digital entrepreneur with EIGHT streams of income! We focus this conversation primarily on her Etsy business, where she has scaled her shops selling print on demand and digital on demand products. We cover how to get started on Etsy, the Etsy algorithm, if the space is overcrowded (it’s not), and so much more! If you are wanting to start a side hustle but the idea of creating content doesn’t appeal to you - you’ll LOVE THIS!About Kate: Kate is a former teacher turned tech recruiter turned full-time entrepreneur. She helps creative people build diverse income streams that don’t feel like work - from selling print on demand products and digital wall art on Etsy to monetizing content online. Her mission is to make self employment feel approachable and achievable, especially for young women who’ve been told a 9 to 5 is the only viable path.TIME STAMPS: Episode Starts at 6:05FIND KATE: Website: https://www.katerobbllc.com/TikTok: https://www.tiktok.com/@katerobbllcInstagram: https://www.instagram.com/katerobbllc/RESOURCES:💸 NEW FI/RE Template: https://breakyourbudget.com/fire-template💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template💸 Personal Finance Dashboard:https://breakyourbudget.com/personal-finance-dashboard✅ Subscribe to Break Your Budget Weekly: https://breakyourbudget.com/newsletter📖 My Books: https://breakyourbudget.com/book👩🏼‍💻 Task Management System + Promotion Template:https://breakyourbudget.com/own-your-career-templateFREE DOWNLOADS:💸 Recession Guide: https://breakyourbudget.com/recession-guide✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kitAll Other Resources: https://breakyourbudget.com/links👩🏼‍💻 Inquiries: michela@breakyourbudget.com📸 Instagram: https://www.instagram.com/breakyourbudget/📲 Tiktok: https://www.tiktok.com/@breakyourbudget📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa💸 Break Your Budget LTK: https://www.shopltk.com/explore/Breakyourbudget

107. How to Reclaim Your Routines! Why Routines Make You Happier and Set You Free Apr 30, 2025

On this episode of DDOD, Michela is sharing how she is reclaiming her routines this spring and summer. As we move into the warmer months, it is time to seize the day and take control of your time. She is sharing the psychology behind why routines make you happier, elements of successful morning, work, and night routines, and how she is incorporating some changes into her daily routines to feel better.

TIME STAMPS:

Episode Starts at 2:03

💸 NEW FI/RE Template:

https://breakyourbudget.com/basic-budgeting-template

💸 Basic Budgeting Template:

💸 Personal Finance Dashboard:

https://breakyourbudget.com/personal-finance-dashboard

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

106. Things I Find Incredibly ~Chic~ Apr 23, 2025

On this episode of DDOD, Michela is hopping on the TikTok trend and sharing some things she finds incredibly chic. These go beyond just your personal style (although there are a few style items) and transcend into how you operate, from hobbies to cooking to navigating friendships as an adult.

TIME STAMPS:

Episode Starts at 3:24

💸 NEW FI/RE Template:

https://breakyourbudget.com/basic-budgeting-template

💸 Basic Budgeting Template:

💸 Personal Finance Dashboard:

https://breakyourbudget.com/personal-finance-dashboard

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

105. How I Cleared my Hormonal Acne | High Fiber Diet, Birth Control, and Topical Routine Apr 16, 2025

On this episode of DDOD, Michela is sharing how she cleared her hormonal acne in her 20s. She discusses how following a high fiber, whole foods diet can help improve digestion to clear skin, the impact going off birth control had on her skin, and her current skincare routine. DISCLAIMER: Michela is not a doctor and this is not medical advice.

TIME STAMPS:

Episode Starts at 3:22

💸 NEW FI/RE Template:

https://breakyourbudget.com/basic-budgeting-template

💸 Basic Budgeting Template:

💸 Personal Finance Dashboard:

https://breakyourbudget.com/personal-finance-dashboard

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

104. 5 Microhabits That Have Improved My Quality of Life Apr 09, 2025

On this episode of DDOD, Michela is sharing 5 small habits she has incorporated into her routine that have made her life better. The habits include ritualizing her morning coffee, implementing a daily content hour, using a written to-do list, going on a long walk, and taking the extra 10 minutes at night for self–care. It truly is the little things that make it possible to find joy in the mundane parts of everyday life!

TIME STAMPS:

Episode Starts at 3:00
💸 NEW FI/RE Template:

https://breakyourbudget.com/basic-budgeting-template

💸 Basic Budgeting Template:

💸 Personal Finance Dashboard:

https://breakyourbudget.com/personal-finance-dashboard

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

103. My Underconsumption Journey: Q1 Low Buy Update + Q2 Spending Plans! Apr 02, 2025

On this episode of DDOD, Michela is sharing her 3 month low-buy & underconsumption update. She reflects on her consumption rules she set at the beginning of 2025 and gets honest about what is and isn’t working. Plus, she shares the things she bought in Q1 and what her spending plans are in Q2!

TIME STAMPS:

Episode Starts at 5:15

💸 NEW FI/RE Template:

https://breakyourbudget.com/basic-budgeting-template

💸 Basic Budgeting Template:

💸 Personal Finance Dashboard:

https://breakyourbudget.com/personal-finance-dashboard

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

FREE DOWNLOADS:

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

https://breakyourbudget.com/personal-finance-dashboard

102. The 12 Week Year: How to Accomplish More in 12 Weeks than Most People Do in a Year Mar 26, 2025

On this episode of DDOD, Michela is sharing the key lessons from the 12 Week Year. After successfully implementing this method for the first 12 weeks of 2025, Michela can confirm that condensing your planning cycle into 12 week sprints vs. annual targets really DOES make a different. Learn about why annual planning doesn’t work, the 5 disciplines of execution (vision, planning, process control, measurement, time use), and how to implement these strategies for Q2 (the next 12 week spring). This strategy can be applied to ANY area of your life, so if you’re ready to take control of your goals, you need to listen!

TIME STAMPS:

Episode Starts at 4:54

💸 NEW Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template

💸 Personal Finance Dashboard:

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

💸 Break Your Budget LTK:

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

https://breakyourbudget.com/personal-finance-dashboard

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

101. Life Audit: Your 2025 Spring Cleaning Checklist to Get Your Sh*t Together Mar 19, 2025

AUDIO NOTE!!! I've been told the audio is only coming out on the left for some. I don't know what happened!! I am sorry !!!!!

On this episode of DDOD, Michela is sharing how you can SPRING CLEAN your life and find new motivation as the winter comes to an end. She covers personal finances, your professional life, personal goals, a wardrobe cleanout, digital decluttering, and cleaning out your physical space. If you are ready to head into the new season with a FRESH START then you’ll love this episode.

TIME STAMPS:

Episode Starts at 5:21

💸 NEW Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template

💸 Personal Finance Dashboard:

✅ Subscribe to Break Your Budget Weekly:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

💸 Break Your Budget LTK:

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

https://breakyourbudget.com/personal-finance-dashboard

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

100. Spring 2025 State of the Union: What’s In & Out for Hot Girl Spring Mar 12, 2025

On this episode of DDOD, Michela is back with another State of the Union episode! This time, she is focusing specifically on ins and outs for spring 2025, because we are having a healthy and happy and hot spring! From letting go of a scaredy cat mentality to adding color into her wardrobe, this episode unveils a more personal side to Michela and you’re going to love it. If you have an In or Out for spring, be sure to leave a comment!

TIME STAMPS:

Episode Starts at 3:15

💸 NEW Basic Budgeting Template:https://breakyourbudget.com/basic-budgeting-template

💸 Personal Finance Dashboard:

💸 Break Your Budget LTK:

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

https://breakyourbudget.com/personal-finance-dashboard

📸 Instagram:⁠⁠https://www.instagram.com/dontdependondaddy/⁠

99. How to Build Your Dopamine Menu | Habits to Feel Better and Stop Doom Scrolling Mar 05, 2025

On this episode of DDOD, Michela is discusses the concept of a Dopamine Menu! This was a trend from 2024 that covers all the little habits and special things that you can implement throughout your day when you need to boost your mood or spark a little joy. This is especially helpful if you are experiencing the winter blues, or just overall want to feel better without reaching for your phone. You’ll learn about what a dopamine menu is, and some examples from MIchela’s (current) dopamine menu!

TIME STAMPS:

Episode Starts at 3:11

💸 NEW Basic Budgeting Template:https://breakyourbudget.com/basic-budgeting-template

💸 Personal Finance Dashboard:

📖 My Books:

💸 Break Your Budget LTK:

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

https://breakyourbudget.com/personal-finance-dashboard

📸 Instagram:⁠⁠https://www.instagram.com/dontdependondaddy/⁠

98. Overcoming Overspending | How to Stop Impulse Shopping and Self-Sabotaging with Paige Pritchard Feb 26, 2025

On this episode of DDOD, Michela is joined by Paige Pritchard, founder of Overcoming Overspending which is an online community of tens of thousands of women who are developing more disciplined and purposeful spending habits. Paige and Michela discuss how social media influences your spending habits, the 3 Ds of shopping (distance, desire, decision), spending guilt, FOMO, emotional shopping and escapism, how to create friction, aspirational lifestyles, and so much more. If you are ready to take your spending power BACK, this episode is for you!!

FIND PAIGE:Instagram: https://www.instagram.com/overcoming_overspending/

Podcast: https://overcomingoverspending.com/podcast

TIME STAMPS:

Episode Starts at 4:18

💸 NEW Basic Budgeting Template:https://breakyourbudget.com/basic-budgeting-template

💸 Personal Finance Dashboard:

Break Your Budget Links:

💸 Free Personal Finance Starter Kit Guide:

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free Financial Plan Checklist + Crash Course:

💸 Free How to Navigate a Recession Guide:

💸 Break Your Budget LTK:

All Other Resources:

https://breakyourbudget.com/personal-finance-dashboard

📸 Instagram: https://www.instagram.com/breakyourbudget/

📲 Tiktok: https://www.tiktok.com/@breakyourbudget
📸 Instagram:⁠⁠https://www.instagram.com/dontdependondaddy/⁠

97. Systems to Improve Your Time Management and be More Productive | How I Balance Everything in Business and Life Feb 19, 2025

On this episode of DDOD, Michela is sharing how she manages her time to balance building and scaling a business with health and wellness and also having time for a personal life! “Doing it all” is impossible, but getting things DONE is a result of having strong systems in place. Michela follows a variety of frameworks and routines to ensure that everything to run the business as well as ensure she stays sane gets accomplished each week. She also shares popular time management tips that she DOESN’T follow (aka time blocking) and how you can balance a 9-5 with content creation (if you want) and all the stuff that comes along with being a successful person!

TIME STAMPS:

Episode Starts at 4:32

💸 NEW Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template

💸 Personal Finance Dashboard:

Break Your Budget Links:

💸 Free Personal Finance Starter Kit Guide:

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free Financial Plan Checklist + Crash Course:

💸 Free How to Navigate a Recession Guide:

💸 Break Your Budget LTK:

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

https://breakyourbudget.com/personal-finance-dashboard

📸 Instagram: ⁠⁠https://www.instagram.com/dontdependondaddy/⁠

96. 10 Life Lessons That Will Change the Way You Think (from an almost 30 yr old) Feb 12, 2025

On this episode of DDOD, Michela is sharing 10 lessons she learned throughout her 20s. In honor of 2025 being the year she turns 30, this is part one of many self-reflective episodes to come that cover important topics for your 20s. In this episode specifically, Michela shares some tough love around owning your choices and your life, learning how to find happiness at work, and being intentional about changing your life! If you have lessons for 20-somethings, leave them in the comments or send me a DM!

TIME STAMPS:

Episode Starts at 6:22

💸 NEW Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template

💸 Personal Finance Dashboard:

Break Your Budget Links:

💸 Free Personal Finance Starter Kit Guide:

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free Financial Plan Checklist + Crash Course:

💸 Free How to Navigate a Recession Guide:

💸 Break Your Budget LTK:

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

https://breakyourbudget.com/personal-finance-dashboard

📸 Instagram: ⁠https://www.instagram.com/dontdependondaddy/

95. How I Became Successful in my 20s | Habits, Systems, Routines Across 5 Key Pillars of Life Feb 05, 2025

On this episode of DDOD, Michela shares habits/routines/systems that have helped her be successful in her 20s. The goal is to enter your 30s feeling SUPER proud of what you accomplished in your 20s, and this episode breaks down the stand-out actions she has taken across 5 pillars of life: personal finance, career, appearance, health/wellness, and personal relationships. Plus, a few life lessons learned along the way. If you are ready to uplevel any of these areas - no matter what your age - you will enjoy this episode!

TIME STAMPS:

Episode Starts at 4:01

💸 NEW Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template

💸 Personal Finance Dashboard:

Break Your Budget Links:

💸 Free Personal Finance Starter Kit Guide:

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free Financial Plan Checklist + Crash Course:

💸 Free How to Navigate a Recession Guide:

💸 Break Your Budget LTK:

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

https://breakyourbudget.com/personal-finance-dashboard

94. How to Rebrand Your Life in Q1 and Embrace Winter | Avoiding Winter Blues Jan 29, 2025

On this episode of DDOD, Michela shares 5 tips on how to start embracing winter and romanticizing this slower period of the year. The winter season is the perfect time to slow down and use this extra space to REBRAND your life and actually implement the intentions you set at the top of the year. So if you are hoping to avoid the winter blues and enter the spring and summer seasons feeling REFRESHED and like the best version of yourself, then you’ll love this episode.

TIME STAMPS:

Episode Starts at 5:55

💸 NEW Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template

💸 Personal Finance Dashboard:

Break Your Budget Links:

💸 Free Personal Finance Starter Kit Guide:

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free Financial Plan Checklist + Crash Course:

💸 Free How to Navigate a Recession Guide:

💸 Break Your Budget LTK:

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

93. Your Guide to Material Composition and Creating a Wardrobe of Natural Fibers Jan 22, 2025

This year, my goal is to shop more intentionally. A major theme of this is to begin purchasing clothing made of natural materials, and slowly phase out the synthetic clothing in my closet. Natural materials wear better, they look better, they last longer, and are an overall better ROI on your clothing spend. However, it can feel like a daunting task to navigate shopping for natural materials in a world where everything is made of plastic. In this episode, Michela shares why natural materials are better, what materials to look for, where to focus your purchases on, and her favorite brands. Everything is linked on LTK!

Break Your Budget LTK: https://www.shopltk.com/explore/Breakyourbudget

💸 Free Personal Finance Starter Kit Guide:

TIME STAMPS:

Episode Starts at 2:45

Break Your Budget Links:

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

💸 Personal Finance Dashboard:

https://breakyourbudget.com/personal-finance-dashboard

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free Financial Plan Checklist + Crash Course:

💸 Free How to Navigate a Recession Guide:

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

https://breakyourbudget.com/personal-finance-dashboard

92. My Consumption Rules in 2025 to BUY LESS (and of course, buy better) Jan 15, 2025

My spending theme in 2025 is to buy and consume LESS. The process of moving was so jarring to me, and it made me realize how much *stuff* I have.. And how much I don’t use. The conversation around consumption has been at the forefront of social media over the last few months. Underconsumption, project pan, and using what we have is going to carry us at least through Q1, but hopefully turns from “trend” to everlasting theme in how we use and spend our money. In this episode, Michela shares her “rules” for consuming this year in an effort to spend less, but also become a more conscious consumer.

TIME STAMPS:

Episode Starts at 11:18

Break Your Budget Links:

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

💸 Personal Finance Dashboard:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free Financial Plan Checklist + Crash Course:

💸 Free Personal Finance Starter Kit Guide:

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

💸 Free How to Navigate a Recession Guide:

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

https://breakyourbudget.com/personal-finance-dashboard

91. How To Make Your Life Better in 2025: Money, Career, Productivity, & Appearance Jan 01, 2025

Happy New Year! A fresh year means a fresh start and taking advantage of all the motivation you have to uplevel your life. In this episode, Michela is sharing 3 tips each to enhance your money, career, productivity, and appearance. From taking a softer approach to your finances, exploring side quests and building community, using AI to uplevel your productivity systems, and taking the extra 10 minutes to feel better about how you look, each of these tips is going to make your life better this year. It’s not your typical glow-up episode, so if you’re looking to learn something new and gain a new perspective on leveling up, you’ll love this.

TIME STAMPS:

Episode Starts at 3:22

Break Your Budget Inner Circle: https://break-your-budget-inner-circle.circle.so/checkout/break-your-budget-inner-circle

Break Your Budget Links:

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

💸 Personal Finance Dashboard:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free Financial Plan Checklist + Crash Course:

💸 Free Personal Finance Starter Kit Guide:

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

💸 Free How to Navigate a Recession Guide:

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

https://breakyourbudget.com/personal-finance-dashboard

90. 2025 State of the Union: My Ins & Outs for the New Year Dec 25, 2024

It’s time to address the ins & outs for 2025! In this episode, Michela is talking spending themes, new years intentions, trends, products, content and more. I’d love to hear your ins & outs for 2025!

TIME STAMPS:

State of the Union Starts at 5:15

Break Your Budget Links:

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

💸 Personal Finance Dashboard:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free Financial Plan Checklist + Crash Course:

💸 Free Personal Finance Starter Kit Guide:

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

💸 Free How to Navigate a Recession Guide:

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

https://breakyourbudget.com/personal-finance-dashboard

89. My Most Used + Loved Purchases of 2024 | Annual Favorites by PRICE! Dec 18, 2024

On this episode of DDOD, Michela shares her top 9 purchases from 2024! The spending theme of this year was “buy less and buy better” and these purchases are reflective of being super intentional about each and every purchase. She shares her 3 favorite purchases/products within 3 main categories: under $50, under $100, and over $200. She also shares some honorable mentions of products she loves but didn’t purchase this year, and a few items she wished she got more use out of. All of the products are linked below and can be found below or on her LTK!

TIME STAMPS:

Q+A Starts at: 1:30

Under $50: 4:20

Under $100: 9:00

Over $200: 14:15

Products Mentioned:

Daily Stoic: https://rstyle.me/+rVNb_U0_GjmFL--aMgIWLg

Crown Affair Conditioner: https://rstyle.me/+QLgCFpsCMX760vmSgHEOMg

Cottonon 90s Tee: https://rstyle.me/+zi6NpV4O_niKokFf23cK-g

Aritzia Top: https://rstyle.me/+eBRv3k2410fPKa_tXN0oxg

Gorjana Earrings: https://rstyle.me/+Chp414aQScJghx_zT185mg

Card Case: https://rstyle.me/+lPXdrYsO2fb0e3EVSDsTLg

Red Light Face Mask: https://get.aspr.app/SHSBo (use code BREAKYOURBUDGET10)

Cooper Cardigan: https://rstyle.me/+E9Wz0rzm2qZeqV5Ta6BLeQ

Purse: https://rstyle.me/+vliJx8qvUDJvGQKhy5cTiA

Hatch Alarm: https://rstyle.me/+jLDPuDaRfw72PSXPNV_zoA

Dyson Airwrap: https://rstyle.me/+g6Niqc9QzN4JuRf3OnwxRg

Jetlag Mask: https://rstyle.me/+d7bniwSTzqfDhfYkIXCmPw

Break Your Budget Links:

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

💸 Personal Finance Dashboard:

📖 My Books:

https://breakyourbudget.com/own-your-career-template

👩🏼‍💻 Task Management System + Promotion Template:

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free Financial Plan Checklist + Crash Course:

💸 Free Personal Finance Starter Kit Guide:

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

💸 Free How to Navigate a Recession Guide:

All Other Resources:

📸 Instagram: https://www.instagram.com/breakyourbudget/

https://breakyourbudget.com/personal-finance-dashboard

88. Ask Michela: Moving Update, Extended Unemployment, Resisting the Urge to Splurge + More Dec 11, 2024

TIME STAMPS:

Q+A Starts at: 3:57

Personal Questions: 4:20

Career Questions: 16:20

Money Questions: 36:45

On this episode of DDOD, Michela is answering your burning questions! She starts off with the personal section, focused on closing loose ends related to her move from LA to Chicago. Then she pivots into the career questions to discuss what to do if you are unemployed for an extended period of time, how to make a career pivot, and how to start creating content. She wraps up the episode with personal finance questions surrounding the financial order of operations and controlling the temptation to splurge.

QUESTIONS:

Moving update - when are you moving?
What are you most excited about for chicago?
What are you doing with your car?
Will you miss anything about LA and CA?
What should I do if I’ve been unemployed for a year?
What advice do you have for pivoting careers?
How to navigate feeling lost in your career with pressure to advance and keep making more money?
As a fellow WFH-er, how do you decide where to live/move? I’m overwhelmed with choices
What advice do you have for starting content creation?
How do you control the temptation to splurge?
How should I prioritize paying down debt vs. investing?
I graduated

Personal Finance Dashboard:

Own Your Career (book):

https://breakyourbudget.com/own-your-career-template

Own Your Career Template:

FREE Financial Plan Crash Course

FREE Recession Guide:

FREE Personal Finance Starter Kit:

All Other Resources:

https://breakyourbudget.com/personal-finance-dashboard

87. Realistic Financial Milestones to Hit in Your 20s! (with ages) Dec 04, 2024

On this episode of DDOD, Michela shares 5 realistic money milestones to work towards throughout your 20s. She shares real ages in order to create a point of comparison, but remember that personal finance is personal and this timeline does not work for everyone. She covers saving an emergency fund, building strong credit, investing for retirement, increasing your income, and investing beyond retirement. (Skip to 3:18 to skip housekeeping)

Personal Finance Dashboard:

Own Your Career (book):

https://breakyourbudget.com/own-your-career-template

Own Your Career Template:

FREE Financial Plan Crash Course

FREE Recession Guide:

FREE Personal Finance Starter Kit:

All Other Resources:

86. 10 Tips & Tricks I Implement to UNDERconsume Nov 27, 2024

On this episode of DDOD, Michela share 10 habits and rules she implements to consume LESS. In an era of overconsumption, learning how to control your spending and implementing small tactics to help stay in control of your money is essential. From the 48 hour rule ot developing hobbies, if you’re looking to SPEND LESS in 2025, this is for you.

85. How I Transformed My Relationship with Money: My Financial Journey in my 20s! Nov 20, 2024

On this episode of DDOD, Michela shares her in-depth financial journey throughout her 20s. From graduating college and having no clue what to do financially, to taking a pay cut, learning by doing, starting a side hustle, and ultimately building a 7-figure business. Michela has experienced a lot during her 20s and shares all the details in this episode, year by year!

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Resource Library: https://breakyourbudget.com/resource-library FREE Recession Guide: https://breakyourbudget.myflodesk.com/recession

FREE Personal Finance Starter Kit: https://breakyourbudget.myflodesk.com/mlncth2n40

Order OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

All Other Resources: www.breakyourbudget.com/links

84. Balancing Content Creation While Working a 9-5, Life in Tech, and More with Lillian Zhang Nov 13, 2024

On this episode of DDOD, Michela is joined by Lillian Zhang, a San Francisco Bay Area based creator and product marketing manager in the tech industry who is an alumna of UC Berkeley's Haas School of Business. She's passionate about sharing financial literacy and career education content for her primarily Gen Z audience. We chat about her college-to-corporate journey, her experience working in tech, how she started creating content, how she balances content while working full time, and so much more!

OWN YOUR CAREER:

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

FREE Recession Guide: https://breakyourbudget.myflodesk.com/recession

FREE Personal Finance Starter Kit: https://breakyourbudget.myflodesk.com/mlncth2n40

All Other Resources: www.breakyourbudget.com/links

LILLIAN'S INFO: IG: https://www.instagram.com/bylillianzhang/

TikTok:https://www.tiktok.com/ @lillianZhang

Free 4-page personal finance checklist (includes free resume template): https://tinyurl.com/4fnpmabc

Ultimate money bundle (income and expenses budget tracker + net worth tracker): https://tinyurl.com/5n8wtket

83. The Top 5 Best Financial Decisions I’ve Made in my 20s Nov 06, 2024

In this episode of DDOD, Michela share her top 5 best financial decisions from her 20s. These are the decisions she’s made that have had a major impact on her ability to grow wealth, from starting a side hustle, buying a car in cash, taking a pay cut and more.

OWN YOUR CAREER:

https://breakyourbudget.com/own-your-career-template

Own Your Career Template:

FREE FINANCIAL PLAN CRASH COURSE:

https://breakyourbudget.com/personal-finance-dashboard

Personal Finance Dashboard:

FREE Recession Guide:

FREE Personal Finance Starter Kit:

All Other Resources:

82. 5 Steps to Crush Your Year-End Performance Review Oct 30, 2024

In this episode of DDOD, Michela share 5 tips to *actually get something* out of your year-end performance review. These are important career conversations, so rather than simply checking the box, learn how to OWN your relationship with your manager and control the narrative of the conversation so you can position yourself to excel in the next year.

OWN YOUR CAREER:

https://breakyourbudget.com/own-your-career-template

Own Your Career Template:

FREE FINANCIAL PLAN CRASH COURSE:

https://breakyourbudget.com/personal-finance-dashboard

Personal Finance Dashboard:

FREE Recession Guide:

FREE Personal Finance Starter Kit:

All Other Resources:

81. Bounce Back from a Layoff: 5 Steps to Navigate Job Loss Oct 23, 2024

In this episode of DDOD, Michela divses into the five most important steps to take if you get laid off. From processing the emotional impact to reassessing your career goals and updating your professional brand, this episode will guide you through each step with practical advice. Tune in to learn how to turn an unexpected setback into an opportunity for growth and a brighter career future!

OWN YOUR CAREER:

FREE FINANCIAL PLAN CRASH COURSE:

https://breakyourbudget.com/personal-finance-dashboard

Personal Finance Dashboard:

FREE Recession Guide:

FREE Personal Finance Starter Kit:

All Other Resources:

https://shopmy.us/breakyourbudget/shelves

80. Build Your Personal Brand: Strategies to Change Your Career Trajectory ft. Courtney Johnson Oct 16, 2024

On this episode of DDOD, Michela sat down with Courtney Johnson, a personal brand expert and content creator based in Austin, TX. In this conversation, you learn all about personal branding, how to start a personal brand, social media strategies and tips, and so much more. If you’re ready to take your career to the next level and open yourself up to new opportunities, this is for you! COURNTEY’S LINKS: Linkedin: https://www.linkedin.com/in/courtneylynnjohnson/

Spotify: https://open.spotify.com/show/7oaV8L7rOBd878nlwydJrj

Maven (Linkedin Cohort): https://maven.com/courtneyjohnson/personalbrand

Patreon: https://www.patreon.com/courtneylynnjohnson

Monday Megaphone Newsletter: https://artisanal-originator-6888.ck.page/0e038bf26a

Instagram: @courtlynnjohnson Tiktok: @courtney..johnson OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

FREE Recession Guide: https://breakyourbudget.myflodesk.com/recession

FREE Personal Finance Starter Kit: https://breakyourbudget.myflodesk.com/mlncth2n40

All Other Resources: www.breakyourbudget.com/links

79. My Top 10 Intentional Splurges I’ve Made in my Late 20s Oct 09, 2024

On this episode of DDOD, Michela shares her top 10 intentional splurges she has made in the last few years. These items are her most used products/items/etc that she has intentionally researched, planned for, and purchased. They span all price ranges, starting at $45 to $700.

Links to everything I shared:

GET RAKUTEN:

https://www.rakuten.com/r/MICHEL156676?eeid=28187

RED LIGHT FACE MASK: code BREAKYOURBUDGET10

https://omniluxled.com/collections/all?transaction_id=1025c2a3d8fc00ddc3751947c154f0&utm_source=aspire&utm_medium=influencer&utm_campaign=breakyourbudget

OWN YOUR CAREER:

FREE FINANCIAL PLAN CRASH COURSE:

https://breakyourbudget.com/personal-finance-dashboard

Personal Finance Dashboard:

FREE Recession Guide:

FREE Personal Finance Starter Kit:

All Other Resources:

https://www.rakuten.com/r/MICHEL156676?eeid=28187

78. How to Create a Holiday Savings Plan Oct 02, 2024

On this episode of DDOD, Michela shares how you can start saving and budgeting for the holidays! Learn quick tips to plan your holiday budget, who you’ll buy for, map out expenses, and shop intentionally.

GET RAKUTEN:

OWN YOUR CAREER:

FREE FINANCIAL PLAN CRASH COURSE:

https://breakyourbudget.com/personal-finance-dashboard

Personal Finance Dashboard:

FREE Recession Guide:

FREE Personal Finance Starter Kit:

All Other Resources:

77. Back-to-Basics: 5 Personal Finance Moves to Make in Your 20s/30s Sep 25, 2024

On this episode of DDOD, Michela breaks down the 5 things you need to do to get started on (or refresh) your financial journey. This is a back-to-basics episode where the foundations of financial literacy are discussed at length, including budgeting, account frameworks, setting goals, money tools, and financial routines.

OWN YOUR CAREER:

FREE FINANCIAL PLAN CRASH COURSE:

https://breakyourbudget.com/personal-finance-dashboard

Personal Finance Dashboard:

FREE Recession Guide:

FREE Personal Finance Starter Kit:

All Other Resources:

76. Life Update: I'm Moving! My Current Favorites! Chatty Q+A! Sep 18, 2024

OWN YOUR CAREER:

FREE FINANCIAL PLAN CRASH COURSE:

https://breakyourbudget.com/personal-finance-dashboard

Personal Finance Dashboard:

All Other Resources:

Birks I got: https://www.birkenstock.com/us/-boston-soft-footbed-suede-leather/boston-suede2-suedeleather-softfootbed-eva-u_2215.html

On this episode of DDOD, Michela shares an update on her moving plans, her current favorites, and answers a few of your questions about dating, HYSA, writing a book, getting confident on social media, and more!

75. 10 Micro Habits that are Sabotaging Your Finances Sep 11, 2024

On this episode of DDOD, Michela shares 10 micro habits that might be keeping you broke. All of these micro habits are things you could be doing that are sabotaging your money. The best part is that they are all easily adjusted or changed, and don’t require getting a new job or increasing your salary. Do you do any of these? Leave a comment to let her know!

OWN YOUR CAREER:

FREE FINANCIAL PLAN CRASH COURSE:

https://breakyourbudget.com/personal-finance-dashboard

Personal Finance Dashboard:

All Other Resources:

74. How to Get a [New] Job By the End of 2024 Sep 04, 2024

On this episode of DDOD, Michela discusses a game plan to take advantage of the September Surge! The September Surge is a period after the summer but before the holiday season where recruiters and companies are the most focused on filling positions. She discusses how to give your public facing profiles a facelift, up your networking game, and put together a job application strategy. If you are looking for a new role you need to listen! (These tips apply at any point of the year, not just during September)

OWN YOUR CAREER:

https://breakyourbudget.myflodesk.com/e985fd77-7555-40b0-9595-96b6cffa3e69

RESUME TEMPLATE:

FREE FINANCIAL PLAN CRASH COURSE:

https://breakyourbudget.com/personal-finance-dashboard

Personal Finance Dashboard:

All Other Resources:

73. Ask Michela: Becoming a Morning Person, Balancing Financial Goals, Saving Too Much, and More! Aug 28, 2024

OWN YOUR CAREER:

FREE FINANCIAL PLAN CRASH COURSE:

https://breakyourbudget.com/personal-finance-dashboard

Personal Finance Dashboard:

All Other Resources:

On this episode of DDOD, Michela answers your money/career/life questions! From how to stop impulse spending to optimizing your time while working from home. Here are the questions she covers:

-How do I stop impulse spending on clothes and shopping?

-What HYSA do you recommend? What bank accounts do you use?

-Do you have recommendations for the car buying process?

-Is there such thing as “saving too much?”

-Do you have advice for job hunters that are desperate to get out of a toxic job?

-How to decide between paying off medium interest debt and investing?

How to optimize efficiency when working from home?

-How to become a morning person?

-How do you structure your business?

-Have I read ‘Die With Zero’ and what do I think about the strategy?

-Advice for balancing saving for retirement and medium term goals like a down payment?

-Reasons for wanting to move away from LA?

72. Credit Cards 101: Building Your Credit + How to Choose the Right Card for You Aug 21, 2024

(sorry the audio on this is a tad weird!)

OWN YOUR CAREER:

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources:

https://www.ally.com/stories/save/cd-vs-savings-account/

On this episode of DDOD, Michela does a deep dive on credit cards! She covers what factors make up your credit score, how to build and boost your credit, how to figure out the right credit card for you, and her current suite of cards. If you have credit card questions and are looking for the right card, this is a great episode for you!

71. 5 Tips to Navigate a Looming Recession Aug 14, 2024

HYSA vs. CD Article:

OWN YOUR CAREER:

FREE FINANCIAL PLAN CRASH COURSE:

https://breakyourbudget.com/personal-finance-dashboard

Personal Finance Dashboard:

All Other Resources:

https://thepointsguy.com/

On this episode of DDOD, Michela shares 5 tips to navigate and prepare for a recession. There were many compounding factors that have led to this point and unfortunately we are on the edge of what could be another recessionary period. If you are feeling concerned and are seeking tips on how to prepare your finances and your career for a recession, this is for you! She covers:

-How to take a financial snapshot

-How to evaluate your cash position

-Why you should prioritize your debt

-How to find areas in your budget to reduce

-Why you need to uplevel your skillset

70. 5 Tips to Get Your Spark Back Aug 07, 2024

OWN YOUR CAREER:

https://breakyourbudget.com/oyc-book

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

On this episode of DDOD, Michela shares 5 steps to get your spark back if you are feeling in a funk! From focusing on your routines, getting out of the house, asking for help, spending extra time planning, and more. If you are also dealing with the summer blues or have just been feeling “off” this is for you!

69. Asking the Right Questions and Negotiating EVERYTHING ft. Matt Schulz Jul 31, 2024

On this episode of DDOD, Michela is joined by Matt Schulz to discuss tactics for advocating for and negotiating your money! Matt Schulz is a credit analyst at lending tree, and has been featured on national shows like good morning America, today show, NBC nightly news and more to share his expertise around personal finance and taking control of your financial life. His book, Ask Questions, Saving Money, Make more is a powerful, step by step guide for improving your finances by getting better rates and discounts from credit card companies, banks, hospitals, and other businesses, just by asking! The book is full of scripts and scenarios to help you advocate for yourself with more confidence.

Questions we cover:

-Financial lessons for your younger self

-How to feel more confident speaking up and asking the right questions

-Questions to ask across the 7 most important categories of your money: credit/debt, healthcare, housing, shopping, travel, work, and relationships

Matt’s Book: https://www.mattschulz.com/

OWN YOUR CAREER:

https://breakyourbudget.com/oyc-book

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

68. Ask Michela: (Personal) Dating, Travel Plans, Books, Spending/Splurging, & More! Jul 24, 2024

This week Michela is answering your personal questions! She shares an update on how dating is going, future travel plans and a big trip for 2025, how she organizes future purchases, her "menu" for emotional shopping, books she is reading, combining finances and more!

OWN YOUR CAREER:

https://breakyourbudget.com/oyc-book

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

67. Catch Up + A Few Favorites: East Coast Recap, My Thoughts on SF & More! Jul 17, 2024

On this episode of DDOD, Michela does a formal life catch up from her last few weeks of travel. Between her time in NYC, on Cape Cod, and in SF - she shares a ton of new life updates and perspectives!

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

66. 5 Unconventional Money & Career Lessons I've Learned in my 20s Jul 10, 2024

OWN YOUR CAREER:

https://breakyourbudget.com/oyc-book

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

On this episode of DDOD, Michela shares 5 new money and career lessons she has learned in her 20s! From going against the grain, learning how to enjoy your money, to really OWNING your decisions throughout your life, this episode is an eye-opener. If you’re feeling lost and want to take your professional and financial power back, this is for you.

65. Freakout to Freelance: My Career Transformation in my 20's Jul 03, 2024

OWN YOUR CAREER:

https://breakyourbudget.com/oyc-book

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

On this SPECIAL episode of DDOD, Michela is reading Chapter 1 of OWN YOUR CAREER, which is now *OFFICIALLY* available for purchase! You’ll hear her 4 most important career lessons she learned in her 20s along with her career story, from navigating corporate post-grad, to finding a corporate job she didn’t hate, and starting Break Your Budget and turning it into a 7-figure business. If you’re ready to take your professional power back, this is for you!

64. Why Taking a Pay Cut Was the Best Career Decision I've Ever Made Jun 26, 2024

OWN YOUR CAREER:

https://breakyourbudget.com/oyc-book

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

On this episode of DDOD, Michela tells the story of taking a pay cut. She recounts the decision-making process when switching industries and evaluating different job opportunities to navigate a career change. She also shares some untold stories that she has not talked about anywhere else!

63. The Blueprint to Build a Powerful Personal Brand Jun 19, 2024

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

CAREER OVERHAUL BOOTCAMP: https://breakyourbudget.myflodesk.com/jq6169t6cz

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources:

www.breakyourbudget.com/links

On this episode of DDOD, Michela discusses the importance of personal branding and how to create and leverage a personal brand to make more money. If you are interested in learning more about social media, increasing your income, and are seeking a strategy and tips to get started, this is for you!

62. Recipe for a Hot Girl Summer (Steps, Protein, Body Care, Makeup, and more!) Jun 12, 2024

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

CAREER OVERHAUL BOOTCAMP: https://breakyourbudget.myflodesk.com/jq6169t6cz

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

On this episode of DDOD, Michela shares her tips for looking and feeling your best this summer. From her workout split, step counts, adding more protein into her diet, body care routine, morning/night routines, summer makeup and products she is loving. If you want to have a hot girl summer, this is for you!

61. How to Save Money at the Grocery Store & Waste Less Jun 05, 2024

On this weeks episode, Michela shares 5 tips to save more money at the grocery store! She keeps her grocery budget between $250-$300 per month by implementing the 3-2-1 method, shopping her pantry, and implementing the other strategies she talks about. If you are looking to trim your grocery budget, this episode is for you!

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

CAREER OVERHAUL BOOTCAMP: https://breakyourbudget.myflodesk.com/jq6169t6cz

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

60. I'm in my ~Hobby Era~ and You Should Be, Too!! May 29, 2024

In this episode, Michela talks all about hobbies! Over the last year, she has been focused on exploring different hobbies and figuring out what she is passionate about. Learn why hobbies are so important, all about the hobbies Michela has fallen in love with, and get ideas for a hobby you can start this year. Cool people have hobbies!

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

CAREER OVERHAUL BOOTCAMP: https://breakyourbudget.myflodesk.com/jq6169t6cz

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

59. Optimize Your Wardrobe and Elevate Your Style ft. Lauren Morley May 22, 2024

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

CAREER OVERHAUL BOOTCAMP: https://breakyourbudget.myflodesk.com/jq6169t6cz

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard:

https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

On this episode of DDOD, Michela sat down with Lauren Morley, the host of the Millennial Minimalist podcast and closet expert! This conversation covers why a capsule wardrobe may not be the best fit for building out your optimal wardrobe, Lauren’s Outfit System, how to find your personal style, where to save vs. splurge, and so much more! If you have ever felt personally victimized by your closet, you’ll love this episode!

LAUREN'S DETAILS:

Website: https://www.theclosetcourse.com/

Free E-Guide: https://www.theclosetcourse.com/free

The Outfit System E-Guide: https://www.theclosetcourse.com/guide

The Closet Course: https://www.theclosetcourse.com/thecourse

One-on-One Coaching: https://www.theclosetcourse.com/one-on-one

Millennial Minimalists Podcast: https://podcasts.apple.com/ca/podcast/millennial-minimalists/id1432155616

58. How I Cleared My Skin: Birth Control, Diet, Exercise, Products and Lifestyle Changes May 14, 2024

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

CAREER OVERHAUL BOOTCAMP: https://breakyourbudget.myflodesk.com/jq6169t6cz

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

On this episode of DDOD, Michela shares her journey to clearing her skin in her twenties. She talks about coming off birth control, changing her diet and eating more plant-based, reducing stress through exercise, and the products she is using! DISCLAIMER: This is not medical advice. Michela is not a doctor and is sharing what worked for her, which may not work for you. Talk to your own doctor!

57. Ask Michela (Career): Balancing a Side Hustle and a 9-5, Managing your Manager, Registering Your Business & More! May 08, 2024

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

Career Overhaul Bootcamp: https://breakyourbudget.myflodesk.com/jq6169t6cz

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

On this episode of DDOD, Michela answers your side hustle and career questions!From how to manage a side hustle with a full time job, how to register your business, how to deal with a micromanager, how to stand out at work and so much more! If you are looking for career tips or logistical tips for building your side hustle, you’ll love this episode!

QUESTION LIST:

-Tips to balance your side hustle with a 9-5 job

-How do you handle side hustle taxes?

-Do you need to register your business before starting a side hustle? Should I be an LLC?

-I’ve held myself back from starting a side hustle for fear of losing my FT job, any advice?

-How to know when its time to drop a side hustle from your schedule?

-Taxes, invoices, systems/platforms for side hustle finances

-Do you have any advice for managing your manager? My boss is a micromanager

-Do you have tips for how to find a work mentor? How do I facilitate the relationship as a mentee?

-General ways to stand out on your team as a capable and competent person

-Do you have a checklist for the first week/month of a new job besides getting my 401k set up?

-What to do when you get assigned work projects you don’t like

56. How to Start & Scale a 6-Figure Side Hustle May 01, 2024

On this weeks episode of DDOD, Michela breaks down how to choose a side hustle and the 4 phases to follow to get started. You'll learn the difference between skill-based and low/no-skill side hustles, how to come up with a side hustle idea, content marketing and leveraging social media for business, coming up with a service or offer idea, digital products and more!

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

Register for Career Overhaul Bootcamp: https://breakyourbudget.myflodesk.com/jq6169t6cz

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

55. How I Am Upgrading and Elevating my Life in my Late 20s Apr 24, 2024

On this episode, Michela shares 3 ways she is upgrading her life in her later twenties. As part of the discussion, she covers lifestyle creep and when it is and is not OK and how to put a purchase into the context of your financial plan.

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

RESUME TEMPLATE: https://view.flodesk.com/pages/64cc3cafe7271772c0fccfa1

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

54. Side Hustle to 7-Figure Business: Lessons from 2 Years of Self-Employment Apr 17, 2024

On this episode of DDOD, Michela reflects on two years of working on Break Your Budget full-time. From major accomplishments (that are not properly celebrated) to key lessons and takeaways she's learned about working over the last 2 years, if you're someone who wants to start a business or is just looking for some re-assurance that you're on the right path, this episode is for you.

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

RESUME TEMPLATE: https://view.flodesk.com/pages/64cc3cafe7271772c0fccfa1

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

53. Spring State of the Union Apr 10, 2024

In this episode, Michela shares her ins & outs for spring 2024! She is in her fitness, hobbies, and homemaking eras and you'll hear more about each in this episode!

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

52. 8 Ways to Elevate Your Career in Your 20s & Beyond Apr 03, 2024

On this episode of DDOD, Michela shares a special announcement about her brand new book, Own Your Career! Plus, she covers 8 ways you can elevate your career in your 20s and beyond, from defining success at work to upgrading your resume and starting a side hustle (and more!)

OWN YOUR CAREER: https://breakyourbudget.com/oyc-book

RESUME TEMPLATE: https://view.flodesk.com/pages/64cc3cafe7271772c0fccfa1

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

51. Spring Clean Your Money, Career, & Life! Mar 27, 2024

Spring is OFFICIALLY in the air! On this weeks episode, Michela shares practical tips to organize and clean up your finances, refresh your career, and freshen up your space + personal life!

SIDE HUSTLE GUIDE: https://breakyourbudget.myflodesk.com/ucl3676u06

RESUME TEMPLATE: https://breakyourbudget.myflodesk.com/e985fd77-7555-40b0-9595-96b6cffa3e69

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

50. 10 Things I No Longer Buy Mar 20, 2024

On this episode of DDOD, Michela shares 10 things she no longer is buying. Learn more about spending guidelines and find inspiration to reduce unnecessary spending so you can save more money!

INVESTING MASTERCLASS: https://breakyourbudget.com/masterclass

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

49. Become Invaluable at Work: Career Lessons from the Career Contessa (Lauren McGoodwin) Mar 13, 2024

On this episode of Don't Depend on Daddy, Michela sat down with Lauren from Career Contessa. Lauren shares the most important career lessons she's learned, practical advice for navigating a career crisis, how to create and enforce boundaries in the workplace, and so much more!

Career Contessa: https://www.instagram.com/careercontessa/

INVESTING MASTERCLASS: https://breakyourbudget.com/masterclass

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

48. Lessons I've Learned About Myself After One Year of Living Alone Mar 06, 2024

On this episode of DDOD, Michela shares her top lessons from one year (so far) of living alone. It is a less scripted and more self-reflective episode sharing how she has navigated self-discovery from living alone and become more self-reliant and self-aware. If you are someone who lives alone or desires to live alone, this episode is for you!

INVESTING MASTERCLASS: https://breakyourbudget.com/masterclass

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

47. How to Be Alone Without Feeling Lonely Feb 28, 2024

On this weeks episode of Don't Depend on Daddy, Michela shares her journey of feeling lonely throughout her twenties and how to navigate it. You can expect to learn practical tips to feel less lonely, become your own best friend, build confidence in solitude. The lessons in this episode apply no matter your life or relationship status!

Join the BYB Inner Circle:

https://breakyourbudget.com/byb-inner-circle

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

46. Intentional Splurging: Buying Less and Buying Better Feb 21, 2024

On this week's episode, we're talking SPLURGING! Michela shares how her spending priorities have shifted throughout her twenties, how to figure out if you can actually afford something, how to stop impulse shopping, and intentional splurges she has made as well as some of the intentional splurges submitted by listeners. If you're looking to overhaul HOW you spend, this episode is for you!

Join the BYB Inner Circle:

https://breakyourbudget.com/byb-inner-circle

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resources: www.breakyourbudget.com/links

45. Ask Michela: Saving for House, Changing Careers, Choosing a Side Hustle, Plastic Surgery? Feb 14, 2024

On this weeks episode of Don't Depend on Daddy, Michela is answering listener questions across money, career, and personal life. She covers how to save for a house, how I would invest $10k, career changes, side hustles, nose jobs, personal goals and more!

RETIREMENT PLANNING MASTERCLASS: https://breakyourbudget.com/masterclass

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

All Other Resourcs: www.breakyourbudget.com/links

44. Where should you live in your 20s? Jan 31, 2024

Does the city you live in throughout your 20s matter? In short, yes. So how can you figure out *exactly* where to live? In this episode, Michela breaks down the 3 major questions to ask yourself when deciding where to live. She also shares her personal experience deciding between Boston and Los Angeles, and why LA ended up being the right city for her personally, professionally, and financially. If you've been contemplating a move, or are simply curious if your city is enabling you to THRIVE, give this episode a listen!

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

Digital Planner: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

FREE RESOURCES:

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

43. Travel on a Budget: How to Maximize Your Credit Card Rewards with Benny Fillo Jan 24, 2024

On this episode, I sat down with Benny Fillo to talk about credit cards and travel points! Benny has leveraged credit card points to travel first and business class all over the world, from Dubai to Hong Kong to Sydney and everywhere in between. He shares his best tips for finding the right card, ways to earn as many points as possible, how to get the most out of your credit card points to maximize your travel experience, and so much more. He is a wealth of knowledge - if you are interested in traveling or taking premium flights, you’ll love this episode!

Travel Resources:

Reach out to Benny: https://www.instagram.com/bennyfillo/

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

Digital Planner: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

FREE RESOURCES:

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

42. MY ROUTINE ERA: Morning, Night, Solo-Friday Night In, & More! Jan 17, 2024

On this week's episode Michela breaks down all of her ROUTINES. From the details of her morning and night routines, to all the things she does during the weekend when spending time alone, hanging out with friends, and focusing on self-care. Plus, she shares some of the products she purchased that have elevated her routines and are worth the hype!

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

Digital Planner: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

FREE RESOURCES:

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

41. Ask Michela: My Budget Breakdown, Spending Habits, Social Media, Balancing Side Hustles & 9-5, Dating, Work/life Balance & more! Jan 12, 2024

This week Michela does a long overdue Q+A covering your most popular personal finance, career, business, and personal questions! From spending habits, leveraging social media for your business, dating, and everything in between. If you’d like to submit questions for future Q+A episodes, make sure to be following @breakyourbudget on Instagram.

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

4-Week Financial Plan: https://bit.ly/3H3jT5t

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

40. Things That Have Made My Life Better in My 20's (money, career, life) Jan 10, 2024

On this weeks episode, Michela shares all the things that have improved her quality of life throughout her twenties. She covers personal finances, career tips and decisions, and some wellness, lifestyle, productivity, and routine advice!

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

Digital Planner: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

FREE RESOURCES:

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

39. 2024 Ins & Outs: How I Am Elevating My Life (New Era of Don't Depend on Daddy) Jan 03, 2024

In this episode, Michela shares some updates to expect from Don't Depend on Daddy going forward + a brand new segment - I want to hear from you! Then, she shares her 2024 INS and OUTs: personal, wellness, mindset, friendships, hobbies, routines and more.

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

Digital Planner: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

FREE RESOURCES:

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

38. 2023 Wrapped: Spending Recap, Career Review, Personal Wins + Top Purchases! Dec 20, 2023

In this episode, Michela is sharing her top takeaways, lessons, and accomplishments for 2023 across personal finance, career, and personal life. She shares what she has accomplished in each area, her biggest struggles, as well was goals she is working towards in 2024. Plus, Michela shares how much she spent in 2023 through a spending recap, as well as her top purchases for the year! Thank you for the support and happy holidays!

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

37. 2024 Financial Goals + Resolutions: Setting Goals You Can Stick To Dec 13, 2023

In this episode, Michela shares strategies for setting financial goals, how to build them into your plan, and how to set financial resolutions and intentions for the new year. At the end of the episode, she also shares examples of financial goals and some of the goals + intentions you are working towards! (submitted on IG)

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

36. Ask Michela: The 50/30/20 Rule, Dating when Your Life is on Social Media, Tips for Living in a HCOL + More Dec 06, 2023

On this weeks episode, Michela answers listener questions, including:

1. Do I still follow the 50/30/20 rule in spite of my lifestyle changes and spending?

2. What was the most important finance class I took in college?

3. Is a 401k worth it if your employer doesn’t match?

4. What are my personal/business goals for 2024?

5. What factors should I consider when choosing my first apartment?

6. Tips for saving in a HCOL?

7. Do I find it hard to date since my finances and life are so public?

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

35. 3 Tips to Prepare for Year-End Performance Conversations Nov 29, 2023

On this episode, Michela shares 3 tips to prepare for your year-end performance conversation. If you are seeking a raise or promotion, or just want to feel more confident, these tips will help you go into the conversation prepared.

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

34. Financial Shifts I've Made from My Early to Late Twenties Nov 22, 2023

In this episode, Michela shares 3 ways she has shifted her approach to personal finance throughout her twenties. From taking a really restrictive approach to her money and career to completely transforming how she spends, saves, and works, this episodes goes deep into how you can re-shape the way you think about money as you move through the defining years of your twenties and beyond.

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

4-Week Financial Plan: https://bit.ly/3H3jT5t

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

33. A Financial Plan WILL Change Your Life + 4 Steps to Get Started Nov 15, 2023

In this episode Michela breaks down the benefits of having a financial plan and the 4 step framework you can follow to create one before 2024. Plus, she shares WHY spending the time ahead of the new year to do this is so important. She also provides an update on the new features you can expect within the Personal Finance Dashboard 5.0.

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

4-Week Financial Plan: https://bit.ly/3H3jT5t

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

32. 3Navigating a Competitive Job Market, Gen Z in the Workplace, Networking Tips for Introverts + More with Eddiana Rosen! Nov 08, 2023

In this episode Michela sat down with Eddiana Rosen of @careersinreview! Eddiana is an Employee Relations Specialist with 10 years of experience and she shares her guidance on navigating the competitive job market, standing out during the application process, how to update your resume for success, communicating with recruiters, using LinkedIn during the job search process and so much more! This is an amazing episode if you are feeling stuck at work, thinking about finding a new job, or just looking for a refresh in your career.

Find Eddiana:

IG: https://www.instagram.com/careersinreview/

LinkedIn: https://www.linkedin.com/in/eddianarosen/

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

4-Week Financial Plan: https://bit.ly/3H3jT5t

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

31. Financial Routines to Build Long-Term Wealth Nov 01, 2023

This week Michela shares a life update and then deep dives on financial routines. The benefits of a financial routine plus how to work through a weekly money routine and a monthly money routine. If you struggle to budget, to stick to a budget, or with overspending, then you'll benefit A LOT from a financial routine!

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

4-Week Financial Plan: https://bit.ly/3H3jT5t

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

30. How to Create LIFE-WORK Balance Oct 25, 2023

On this episode Michela shares some of the most important lessons she has learned in her career, from not equating your identity with your job to setting boundaries at work. She also shares three important boundaries you can implement to create LIFE-WORK balance and get the most out of your free time!

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

4-Week Financial Plan: https://bit.ly/3H3jT5t

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

29. How to Handle the Holiday Season of Spending: 3 Tips to Prep & Plan Your Finances Oct 11, 2023

This week Michela shares 3 tactical tips to prepare for the season of spending in November and December. If you're feeling overwhelmed about giving gifts and being able to afford the holidays this year, you'll walk away from this episode with tactical strategies to feel more confident going into the holidays!

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ www.breakyourbudget.com/book

RAKUTEN: www.rakuten.com/r/MICHEL156676?eeid=28187

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

4-Week Financial Plan: https://bit.ly/3H3jT5t

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

28. Staying True to Yourself at Work, Taking a Gap Year, & Starting a 6-Figure Freelance Business with Grace Lemire! Oct 04, 2023

This week Michela sat down with Grace Lemire to talk all things navigating your career post-grad and starting a full-time freelancing business! Grace shares her journey from thinking she wanted to pursue a career in law, to pivoting into freelance work and staying true to herself and what she truly wants out of life and work. If you’re feeling lost in your career or are looking to start a freelancing business, you’re going to want to give this a listen!

FIND GRACE:

Instagram: https://www.instagram.com/grace_lemiree/

TikTok: https://www.tiktok.com/@grace_lemire

LinkedIn: https://www.linkedin.com/in/gracelemire/

27. Investing in Your Hobbies: How I am Using Money to be More Confident & Happier Sep 20, 2023

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

4-Week Financial Plan: https://bit.ly/3H3jT5t

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

26. Is Your College Degree Worth It? ft. David E. Linton, Author of Crushed Sep 13, 2023

In this episode, Michela had a very candid conversation with David E. Linton, Author of Crushed: How Student Debt Has Impaired a Generation and What to Do About It.

We talk about:

-Why college has become so expensive

-Misaligned incentives between universities and students that have led to rising costs

-Student debt policies that can actually make a difference and what to look for in the next election

& so much more!

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ

www.breakyourbudget.com/book

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

4-Week Financial Plan: https://bit.ly/3H3jT5t

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

25. 8 Money + Career Lessons I Wish I Knew Earlier Sep 06, 2023

In this episode, Michela shares some updates on her podcast break and what to expect from Don't Depend on Daddy going forward! Then, she discusses the top takeaways from each chapter of Own Your Money and how to implement these lessons into your life.

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ

www.breakyourbudget.com/book

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

4-Week Financial Plan: https://bit.ly/3H3jT5t

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

24. Your Dream Job Doesn't Exist Jul 25, 2023

In this episode, Michela shares the most important lessons she learned while working corporate, as well as 10 listener lessons. Learn about workplace confidence, owning your relationship with your manager, boundaries and more!

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ www.breakyourbudget.com/book DIGITAL PLANNER: https://bit.ly/3yXbVW7 Increase Your Income Masterclass: https://bit.ly/3JXjUt9 Personal Finance Starter Kit: https://bit.ly/3Jg2N5l High-Yield Savings Account Guide: https://bit.ly/409p62A Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0 TEMPLATES & RESOURCES: Personal Finance Dashboard: https://bit.ly/3zC9k5b Be Your Own Boss: https://bit.ly/3ckG9ef Own Your Career Template: https://bit.ly/3ba0X7K 4-Week Financial Plan: https://bit.ly/3H3jT5t DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

23. How to Pay Off Your Student Loans Jul 19, 2023

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd www.breakyourbudget.com/book

Student Loan Resource: https://www2.ed.gov/policy/highered/reg/hearulemaking/2021/idrfactsheetfinal.pdf DIGITAL PLANNER: https://bit.ly/3yXbVW7 Increase Your Income Masterclass: https://bit.ly/3JXjUt9 Personal Finance Starter Kit: https://bit.ly/3Jg2N5l High-Yield Savings Account Guide: https://bit.ly/409p62A Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0 TEMPLATES & RESOURCES: Personal Finance Dashboard: https://bit.ly/3zC9k5b Be Your Own Boss: https://bit.ly/3ckG9ef Own Your Career Template: https://bit.ly/3ba0X7K 4-Week Financial Plan: https://bit.ly/3H3jT5t DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

22. Don't Waste Your 20s: 5 Non-Cliche Lessons I Learned by 28 Jul 12, 2023

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ

www.breakyourbudget.com/book

Follow me on LinkedIn: https://www.linkedin.com/in/break-you...

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

4-Week Financial Plan: https://bit.ly/3H3jT5t

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

21. How I Am Using My Money to Upgrade and Elevate My Life Jul 05, 2023

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ

www.breakyourbudget.com/book

Follow me on LinkedIn: https://www.linkedin.com/in/break-your-budget6364268/

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

4-Week Financial Plan: https://bit.ly/3H3jT5t

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

20. Let's Catch Up! Book Launch, Travel Recap, Summer Routines + Hobbies Jun 28, 2023

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ www.breakyourbudget.com/book Follow me on LinkedIn: https://www.linkedin.com/in/break-your-budget6364268/ DIGITAL PLANNER: https://bit.ly/3yXbVW7 Increase Your Income Masterclass: https://bit.ly/3JXjUt9 Personal Finance Starter Kit: https://bit.ly/3Jg2N5l High-Yield Savings Account Guide: https://bit.ly/409p62A Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0 TEMPLATES & RESOURCES: Personal Finance Dashboard: https://bit.ly/3zC9k5b Be Your Own Boss: https://bit.ly/3ckG9ef Own Your Career Template: https://bit.ly/3ba0X7K 4-Week Financial Plan: https://bit.ly/3H3jT5t DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

19. Navigating Your 20's: 4 Life-Changing Lessons I Learned About Money & Life Jun 20, 2023

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ

www.breakyourbudget.com/book

Follow me on LinkedIn! https://www.linkedin.com/in/break-you...

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

4-Week Financial Plan: https://bit.ly/3H3jT5t

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

18. Money Makeover: How to Reset and Rebuild Your Finances Mid-Year Jun 14, 2023

On this episode of Don't Depend on Daddy The Podcast, Michela shares her expertise on how to reset your finances mid-year. Learn how to take a financial snapshot, review your goals, reflect on your progress, and create a plan for the rest of the year. Plus, get insights from her new book, Own Your Money, and leave a review if you enjoy the show.

PREORDER MY BOOK!!!!!! https://amzn.to/3Z97Qtd

wwwbreakyourbudget.com/book

FREE BUDGET TEMPLATE: https://www.quarto.com/campaign/own-y...

Book Club Facebook Group: https://bit.ly/3vzZzSh

RESOURCES:

Own Your Career Template: https://bit.ly/3XZb82l

4-Week Financial Plan: https://bit.ly/3H3jT5t

Personal Finance Dashboard: https://bit.ly/3ViM706

Be Your Own Boss Template: https://bit.ly/3i42fog

FEEDBACK FORM: https://forms.gle/VWHFs1zoNfDpjU5b8

Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget

Use the code PODCAST1 for $10 off the PFD

www.breakyourbudget.com/links

@breakyourbudget

The Art of Deep Work: 5 Essential Productivity Strategies That Will Change Your Life Jun 07, 2023

Thanks for Listening!

PREORDER MY BOOK!!!!!! https://amzn.to/3Z97Qtd

wwwbreakyourbudget.com/book

FREE BUDGET TEMPLATE: https://www.quarto.com/campaign/own-y...

Book Club Facebook Group: https://bit.ly/3vzZzSh

Connect with me on LinkedIn: https://www.linkedin.com/in/break-your-budget6364268/

RESOURCES:

Own Your Career Template: https://bit.ly/3XZb82l

4-Week Financial Plan: https://bit.ly/3H3jT5t

Personal Finance Dashboard: https://bit.ly/3ViM706

Be Your Own Boss Template: https://bit.ly/3i42fog

FEEDBACK FORM: https://forms.gle/VWHFs1zoNfDpjU5b8

Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget

Use the code PODCAST1 for $10 off the PFD

www.breakyourbudget.com/links

@breakyourbudget

17. Boost Your Career: Crafting Your Resume, Mastering Interview Techniques & Salary Negotiation Secrets ft. Darci Smith (@CareerCoachDarci) May 31, 2023

Thanks for Listening!

@CareerCoachDarci Resources:

LinkedIn Outreach Templates: https://view.flodesk.com/pages/62d6d3fe803f2f2552064d60

Cover letter template:

https://view.flodesk.com/pages/62d6cd49803f2f2552064d55

Darci Smith

Careercoachdarci.com

Book Career Coaching Here:

https://Calendly.com/darcismith

Online Courses Here:

https://careercoachdarci.teachable.com

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16. How to Make Six Figures Selling Digital Downloads May 24, 2023

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Own Your Career Template: https://bit.ly/3XZb82l

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15. Creating Your Perfect Capsule Wardrobe: A Guide to Simplify Your Closet and Elevate Your Style May 17, 2023

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Own Your Career Template: https://bit.ly/3XZb82l

4-Week Financial Plan: https://bit.ly/3H3jT5t

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14. The Step-By-Step Guide to Starting and Scaling a 6-Figure Side Hustle ft. Erin Mortenson May 10, 2023

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13. Working at LinkedIn, Branding/Creator Partnerships, & Pay Equity as a Content Creator ft. Jenny Park May 03, 2023

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FREE BUDGET TEMPLATE: https://www.quarto.com/campaign/own-your-money-budget-sheet

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Instagram: https://www.instagram.com/mohae.jennypark/

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LinkedIn: https://www.linkedin.com/in/jenniferkimpark/

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Own Your Career Template: https://bit.ly/3XZb82l

4-Week Financial Plan: https://bit.ly/3H3jT5t

Personal Finance Dashboard: https://bit.ly/3ViM706

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Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget

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12. Navigating Career Pivots, Succeeding in the Workplace, & the Power of Personal Branding ft. Caitlyn Kumi Apr 19, 2023

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PREORDER MY BOOK!!!!!! PLEASE https://amzn.to/3Z97Qtd

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FREE BUDGET TEMPLATE: https://www.quarto.com/campaign/own-your-money-budget-sheet

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Instagram: https://www.instagram.com/caitlynkumi/

TikTok: https://www.tiktok.com/@caitlynkumi

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LinkedIn: https://www.linkedin.com/in/caitlynkumi/

RESOURCES:

Own Your Career Template: https://bit.ly/3XZb82l

4-Week Financial Plan: https://bit.ly/3H3jT5t

Personal Finance Dashboard: https://bit.ly/3ViM706

Be Your Own Boss Template: https://bit.ly/3i42fog

FEEDBACK FORM: https://forms.gle/VWHFs1zoNfDpjU5b8

Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget

Use the code PODCAST1 for $10 off the PFD

www.breakyourbudget.com/links

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Disclaimer: The opinions of Caitlyn Kumi, Founder of Miss EmpowHer, and content creator are not those of her company or previous employers.

11. Career Reflection: One Year of Self-Employment! Accomplishments, Challenges, Lessons & More! Apr 12, 2023

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Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

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DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

Business Inquiries: michela@breakyourbudget.com

www.breakyourbudget.com/links

10. Breaking into Consulting, How to Network, and Content Creation Strategy ft. JeeIn Youn! Apr 05, 2023

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PREORDER MY BOOK!!!!!! PLEASE https://amzn.to/3Z97Qtd

wwwbreakyourbudget.com/book

Book Club Facebook Group: https://bit.ly/3vzZzSh

FIND JEE:

Instagram: https://www.instagram.com/jeeinyoun/

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Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget

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www.breakyourbudget.com/links

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9. March Q+A | Living Alone, Rebuilding Your Credit, Selling Digital Products on Etsy & More! Mar 29, 2023

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DIGITAL PLANNER: https://bit.ly/3yXbVW7

Solopreneur Article: https://www.iwillteachyoutoberich.com/solopreneur/

Credit Podcast: https://spotifyanchor-web.app.link/e/vV8XZ4Dpmyb

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Book Club Facebook Group: https://bit.ly/3vzZzSh

RESOURCES:

Own Your Career Template: https://bit.ly/3XZb82l

4-Week Financial Plan: https://bit.ly/3H3jT5t

Personal Finance Dashboard: https://bit.ly/3ViM706

Be Your Own Boss Template: https://bit.ly/3i42fog

Free Guides: www.breakyourbudget.com/downloads

FEEDBACK FORM: https://forms.gle/VWHFs1zoNfDpjU5b8

Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget

Use the code PODCAST1 for $10 off the PFD

8. Spring Clean Your Finances! Mar 22, 2023

Thanks for Listening! PREORDER MY BOOK!!!!!! PLEASE! https://amzn.to/3Z97Qtd wwwbreakyourbudget.com/book Book Club Facebook Group: https://bit.ly/3vzZzSh RESOURCES: Own Your Career Template: https://bit.ly/3XZb82l 4-Week Financial Plan: https://bit.ly/3H3jT5t Personal Finance Dashboard: https://bit.ly/3ViM706 Be Your Own Boss Template: https://bit.ly/3i42fog Free Guides: www.breakyourbudget.com/downloads FEEDBACK FORM: https://forms.gle/VWHFs1zoNfDpjU5b8 Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget Use the code PODCAST1 for $10 off the PFD

7: Working in Private Equity, Tips to Break into Finance, & Founding a Start-up ft. Michelle Dear Mar 15, 2023

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PREORDER OWN YOUR MONEY: www.breakyourbudget.com/book

MORE ABOUT TANDEM:

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Own Your Career Template: https://bit.ly/3XZb82l

4-Week Financial Plan: https://bit.ly/3H3jT5t

Personal Finance Dashboard: https://bit.ly/3ViM706

Be Your Own Boss Template: https://bit.ly/3i42fog

FEEDBACK FORM: https://forms.gle/VWHFs1zoNfDpjU5b8

Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget

Use the code PODCAST1 for $10 off the PFD

www.breakyourbudget.com/links

@breakyourbudget

6: Roth IRA or 401k? All About Retirement ft. Gaurav Sharma (CEO of Capitalize) Mar 08, 2023

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TRY CAPITALIZE: www.hicapitalize.com/breakyourbudget

PREORDER MY BOOK!!!!!! PLEASE! https://amzn.to/3Z97Qtd

wwwbreakyourbudget.com/book

Book Club Facebook Group: https://bit.ly/3vzZzSh

RESOURCES:

Own Your Career Template: https://bit.ly/3XZb82l

4-Week Financial Plan: https://bit.ly/3H3jT5t

Personal Finance Dashboard: https://bit.ly/3ViM706

Be Your Own Boss Template: https://bit.ly/3i42fog

Free Guides: www.breakyourbudget.com/downloads

FEEDBACK FORM: https://forms.gle/VWHFs1zoNfDpjU5b8

Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget

Use the code PODCAST1 for $10 off the PFD

5: How to Navigate Corporate, Choose a HYSA, Finance Tips for New Grads & More | February Q+A Feb 22, 2023

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HYSA FREE GUIDE: https://bit.ly/3YHa6YG

Millennial 1%: https://moneywithkatie.com/blog/whos-in-the-millennial-1-percent

TRY CAPITALIZE: https://bit.ly/3ZutGYd

RESOURCES:

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4-Week Financial Plan: https://bit.ly/3H3jT5t

Personal Finance Dashboard: https://bit.ly/3ViM706

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Book Club Facebook Group: https://bit.ly/3vzZzSh

FEEDBACK FORM: https://forms.gle/VWHFs1zoNfDpjU5b8

Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget

Use the code PODCAST1 for $10 off the PFD

www.breakyourbudget.com/links

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4: Working in Marketing, Pursuing an MBA, & Founding an Agency ft. Jen Hartmann Feb 15, 2023

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CONTACT JEN:

https://neatmarketingllc.com/

Instagram: https://www.instagram.com/neat.marketing/

LinkedIn: https://www.linkedin.com/in/jen-hartmann-mba-b667b8149/

TikTok: https://www.tiktok.com/@jen.hartmann

RESOURCES:

Own Your Career Template: https://bit.ly/3XZb82l

4-Week Financial Plan: https://bit.ly/3H3jT5t

Personal Finance Dashboard: https://bit.ly/3ViM706

Be Your Own Boss Template: https://bit.ly/3i42fog

FEEDBACK FORM: https://forms.gle/VWHFs1zoNfDpjU5b8

Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget

Use the code PODCAST1 for $10 off the PFD

www.breakyourbudget.com/links

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3: Prepare for Tax Season With Confidence ft. my Accountant, Justin Upp (CPA) Feb 08, 2023

Thanks for Listening!

CONTACT JUSTIN: uppenterprises@gmail.com

RESOURCES:

Own Your Career Template: https://bit.ly/3XZb82l

4-Week Financial Plan: https://bit.ly/3H3jT5t

Personal Finance Dashboard: https://bit.ly/3ViM706

Be Your Own Boss Template: https://bit.ly/3i42fog

FEEDBACK FORM: https://forms.gle/VWHFs1zoNfDpjU5b8

Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget

Use the code PODCAST1 for $10 off the PFD

www.breakyourbudget.com/links

@breakyourbudget

2: Career Series: Working in Audit & Becoming a Content Creator with Erin Confortini Jan 18, 2023

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ERIN'S CHANNELS: @itserinconfortini

Tiktok: https://www.tiktok.com/@itserinconfortini

Instagram: https://www.instagram.com/itserinconfortini

Own Your Career Template: https://bit.ly/3XZb82l

4-Week Financial Plan: https://bit.ly/3H3jT5t

Personal Finance Dashboard: https://bit.ly/3ViM706

Be Your Own Boss Template: https://bit.ly/3i42fog

Book Club Facebook Group: https://bit.ly/3vzZzSh

FEEDBACK FORM: https://forms.gle/VWHFs1zoNfDpjU5b8

Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget

Use the code PODCAST1 for $10 off the PFD

www.breakyourbudget.com/links

@breakyourbudget

1: Money Rules for 2023 Jan 11, 2023

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Own Your Career Template: https://bit.ly/3XZb82l

4-Week Financial Plan: https://bit.ly/3H3jT5t

Personal Finance Dashboard: https://bit.ly/3ViM706

Be Your Own Boss Template: https://bit.ly/3i42fog

Book Club Facebook Group: https://bit.ly/3vzZzSh

FEEDBACK FORM: https://forms.gle/VWHFs1zoNfDpjU5b8

Podcast: Don't Depend On Daddy https://anchor.fm/breakyourbudget

Use the code PODCAST1 for $10 off the PFD