Don't Depend On Daddy - TopPodcast.com

Latest Episodes:

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

Show notes

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:

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

📖 My Books:

https://breakyourbudget.com/book

👩🏼‍💻 Task Management System + Promotion Template:

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

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/common-cents

💸 Free Financial Plan Checklist + Crash Course:

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

💸 Free Personal Finance Starter Kit Guide:

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

💸 Free How to Navigate a Recession Guide:

https://breakyourbudget.myflodesk.com/recession

All Other Resources:

https://breakyourbudget.com/links

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

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

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

Show notes

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:

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

📖 My Books:

https://breakyourbudget.com/book

👩🏼‍💻 Task Management System + Promotion Template:

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

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/common-cents

💸 Free Financial Plan Checklist + Crash Course:

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

💸 Free Personal Finance Starter Kit Guide:

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

💸 Free How to Navigate a Recession Guide:

https://breakyourbudget.myflodesk.com/recession

All Other Resources:

https://breakyourbudget.com/links

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

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

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

Show notes

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:

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

Own Your Career (book):

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

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

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

Show notes

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:

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

Own Your Career (book):

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

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

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

Show notes

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

Show notes

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

Show notes

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:

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

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

Show notes

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/oyc-book

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

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

Show notes

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/oyc-book

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

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

Show notes

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:

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