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🔥FIRE🔥: Financial Independence, Retire Early | The Vault Episode 27
In Episode 27 of The Vault, we discuss the FIRE (Financial Independence, Retire Early) trend, before diving into our listener dilemmas:
- ”Am I trying to do too much?” - ”My parents keep avoiding their will”
We celebrate a community member's huge win in maintaining a strong net worth despite recent expenses on a new kitchen and a holiday to New York, thanks to continued savings and investment growth! 🥳
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Chapters: 00:00 Introduction and Budgeting Challenges 00:23 Welcome to The Vault 00:38 British Humor and TV Appearances 02:10 Understanding FIRE (Financial Independence, Retire Early) 03:03 The Rule of 25 and Financial Strategies 05:29 Sacrifices and Realities of FIRE 17:12 Financial Wellness and Excess Journey 19:02 Dilemma: Balancing Multiple Financial Goals 20:13 Increasing Pension Contributions 20:32 Balancing Multiple Financial Goals 22:17 Emergency Fund and Investments 24:26 Clearing Debt and Prioritizing Savings 26:41 Community Win: Net Worth Update 27:54 Dilemma: Parents Avoiding Their Will 36:34 Normalizing Conversations About Wills 40:05 Conclusion and Final Thoughts
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 26 of The Vault, we discuss the controversial opinion, ‘Couples should always combine finances’, before diving into our listener dilemmas:
- ”I've always been an 'executive sponsor' for my friends” - ”£90k debt and my husband has run out of money”
We celebrate a listener's money win - they switched bank accounts to snag a £175 bonus, received it early, and immediately used it to overpay their loan! 💸 #FinancialFreedom #DebtFreeJourney #Goals
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Chapters: 00:00 Welcome to The Vault: Episode 26 00:37 Celebrating Milestones and Listener Feedback 02:28 Combining Finances: A Controversial Opinion 03:06 Personal Experiences with Joint Finances 04:19 Financial Privilege and Trust Issues 06:04 Balancing Independence and Joint Goals 12:28 Generosity and Friendship Dynamics 18:39 Community Wins and Bank Switching 19:23 The Albanca Switch Mishap 20:08 Charity Direct Debits Tip 21:51 Financial Community Service Idea 23:12 Debt Dilemma: Husband's Confession 25:10 Analyzing the Debt Problem 29:46 Debt Repayment Strategies 32:27 Emergency Fund Importance 34:29 Final Advice and Encouragement 35:50 Closing Remarks
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In this episode of The Vault, we discuss friends who can become jealous of our financial success🚀. We share our tips on how to progress on your money journey without missing out on your social life 💅🏼. We work through a difficult dilemma from a community member navigating rising tension around maternity leave and lack of contributions to her pension from her partner 💔
Tune in to hear some controversial money opinions and inspiring community wins 🤩
Visit https://www.financielle.co.uk to join our community!
Chapters: 00:00:00 - Umbrella Shopping Mishaps 00:03:57 - Does Money Buy Happiness? 00:07:38 - Buying Happiness and Losing Friends 00:14:58 - The Struggle of Saving While Others Spend 00:18:23 - Celebrating Anniversaries Debt-Free 00:22:07 - The Magic of Financial Growth 00:25:38 - The Gender Pay Gap and its Impact on Pensions 00:29:03 - Saving for Maternity Leave and Financial Wellness
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In this episode of The Vault, we discuss whether or not a higher salary is always better 💸, the politics of sharing subscription services with family 🤣, and we share an emotional letter from one of our listeners who’s going through a really tough time. At 56, she's grappling with money worries, job insecurity, and the aftermath of a painful past.
Tune in to hear her story and our advice on finding hope and security amidst the struggles. 🌟💪
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Visit https://www.financielle.co.uk to join our community!
Chapters: 00:00:00 - Incorporating Cash into Your Budget 00:03:53 - Managing Higher Salaries and Lifestyle Creep 00:07:31 - The Secret to Building Wealth on a Lower Income 00:11:14 - Netflix and Spotify Account Dilemma 00:15:19 - The Struggles of Sharing Subscriptions 00:19:01 - Financial Freedom and Living Debt-Free 00:22:38 - Building a Sinking Fund 00:26:22 - Building Emergency Savings 00:29:44 - Taking Control of Your Finances
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault.
In this episode of The Vault, we're talking about comparing ourselves to our parents, the pressure to buy a house, how to help people in debt, and budgeting as a family.
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Visit https://www.financielle.co.uk to join our community!
Chapters: 00:00:00 - Introduction 00:04:15 - Economic Misinformation and Financial Milestones 00:08:06 - The Pressure to Buy a House 00:12:04 - Financial Vulnerability 00:16:18 - Addressing Family Debt 00:19:59 - Dealing with Overwhelming Debt 00:23:42 - The Importance of Communication in Financial Difficulties 00:27:35 - The Importance of Budgeting and Shared Responsibility 00:31:33 - Managing Finances as a Team
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault.
In this episode of The Vault, we're chatting about the credit card game 💳, handling money in a blended family 👩👩👧👧👪, and how Financielle’s Playbook can help you shift your mindset - giving you the green light to enjoy your money! 🥳
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Visit https://www.financielle.co.uk to join our community!
Chapters: 00:00:00 - Introduction 00:03:57 - The Playbook and Permission to Spend 00:08:06 - Borrowing Money from Friends and Family 00:11:38 - Trapped in the Credit Card Game 00:19:03 - Reflecting on Past Habits 00:22:47 - Financial Strain in a Blended family 00:26:50 - Managing Finances as a Couple 00:30:18 - Prioritizing Your Finances
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Hosts Lucy, Laura and Holly delve into the world of money dilemmas from leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault.
In this episode of The Vault, we talk about how pensions are boring but SO IMPORTANT, how to avoid bad money habits, setting money boundaries and the huge cost of having kids.
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Visit https://www.financielle.co.uk to join our community!
Chapters: 00:00:00 - Introduction 00:04:33 - Planning for Long-Term Wealth and Retirement 00:13:06 - Building Bad Money Habits 00:17:19 - Setting Financial Boundaries 00:21:32 - The Importance of Money Education for Kids 00:25:44 - The Financial Struggles of Parenting and the Cost of Living 00:29:56 - The Cost of Having Children 00:34:16 - Personal Finance and Life's Big Questions
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault.
In this episode of The Vault, we talk about why it’s so important to have a budget, set aside sinking funds, and make sure you have a safety net for when $h*t hits the fan!
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Visit https://www.financielle.co.uk to join our community!
Chapters: 00:00:00 - Pronunciation of Tortoise 00:04:02 - Tips for Lucy in the Coffee Shop 00:15:33 - Coping with Financial Struggles 00:22:41 - The Benefits of Renting 00:26:36 - Escaping the Cycle of Unexpected Expenses
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault. In this episode of The Vault, we talk about being frugal vs being rich, the awkwardness of owing someone money, overpaying mortgages and supporting a friend with money worries.
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Visit https://www.financielle.co.uk to join our community!
Chapters:
00:00:00 - Introduction 00:04:38 - The Controversy of "Paying Yourself First" 00:08:38 - Being Frugal vs. Being Rich 00:13:26 - The Awkwardness of Owing Someone Money 00:18:14 - Cash Isn't Real 00:23:01 - Overpayment and Mortgage Fees 00:31:43 - Supporting a Friend with Financial Stress 00:35:47 - Power Dynamics and Fun Money
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault. In this episode of The Vault, we discuss tipping for a takeaway coffee, gift giving, ditching the credit score obsession and getting a mortgage.
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Visit https://www.financielle.co.uk to join our community!
Chapters: 00:00:00 - Introduction 00:04:00 - Tipping in the Food Industry 00:07:54 - The Dilemma of Tipping at Starbucks 00:15:51 - The Empty Feeling of Gift Giving 00:27:17 - Ditching the Credit Score Obsession 00:30:38 - Credit Scores and Mortgages
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault.
In this episode of The Vault, we talk pyramid schemes, credit card ‘hacking’, overcoming financial overwhelm and the emotional side of inheriting money.
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Visit https://www.financielle.co.uk to join our community!
Chapters: 00:00:00 - Introduction 00:05:32 - The Risks of Credit Card Hacking 00:10:23 - Falling Into MLM Schemes 00:15:43 - MLMs: A Predatory Business Model 00:25:08 - The Dark Side of MLMs 00:30:39 - Overcoming Financial Overwhelm 00:35:27 - The Discipline of Saving for Unexpected Expenses 00:40:25 - The Emotional Side of Inheriting Money
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault.
In this episode of The Vault, we dive into the dangers of ‘Buy Now, Pay Later’, getting kids interested in saving, building our money muscles and the importance of being intentional with debt.
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Visit https://www.financielle.co.uk to join our community!
Chapters: 00:00:00 - Introduction 00:03:39 - Impulse Purchases and the Dangers of Buy Now Pay Later 00:06:45 - The Controversy Surrounding Buy Now, Pay Later 00:09:58 - The logistics of selling items online 00:13:24 - A Soft Approach to Requesting Monetary Gifts for Children's Birthdays 00:16:32 - Getting Kids Interested in Saving 00:19:52 - Building the Money Muscle 00:23:04 - The Wrong Approach to Paying Off Debt 00:26:01 - The Importance of Being Intentional with Debt
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 25 of The Vault, we discuss the controversial opinion, ‘DON’T be a stay at home partner (if you don’t have children)’, before diving into our listener dilemmas:
- ”I have no pension!" - ”My brother and sister in law one up everything we do”
We celebrate a win from a listener who is now tackling their last debt and is gearing up to be mortgage and debt-free by 40! 🎉💪🏡 #FinancialFreedom #DebtFreeJourney #Goals This leads to an interesting conversation about mortgages and how much money is spent on interest alone! 😱💸
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Chapters: 00:00 Introduction and Welcome 00:45 Moving to a New House 01:31 Underconsumption and TikTok Trends 04:52 Stay-at-Home Partner Debate 10:46 Financial App Promotion 14:05 Dilemma: No Pension at 25 16:55 Setting Up Your Pension and SIP 17:42 Balancing Emergency Funds and Investments 18:40 The Importance of Compound Interest 20:45 Navigating Mortgage Payments and Interest Rates 27:23 Dealing with Financial Comparisons in Family 36:11 Final Thoughts and Encouragement
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from Leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault.
In this episode of The Vault, we discuss impulsive spending, unhinged wish list items, and the pressure of budgeting with lower incomes.
Chapters: 00:00:00 - Introduction 00:02:26 - Returning Items Bought Online 00:04:45 - Addicted to Following Trends 00:07:02 - Overcoming the Impulse to Buy 00:09:33 - Commercialised Social Media and the Temptation to Spend 00:11:58 - The Adult Sensory Sock and Other Wishlist Items 00:14:47 - Finding Joy in Not Spending 00:16:55 - Communicating about Budgeting with Your Partner 00:18:59 - The Pressure of Budgeting for Lower Incomes
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
In this episode of The Vault, we dive into the world of money focussed dilemmas from the Financielle Community. Buckle up for F**k-Off Funds, ‘traditional’ hen do plans, mindset shifts, rent struggles, and reflecting on financial goals and lifestyle.
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Visit https://www.financielle.co.uk to join our community!
Chapters: 00:00:00 - Introduction 00:02:45 - Milestone Moments in Celebrations 00:07:41 - The Get Out Fund 00:10:10 - Building an Emergency Fund Together 00:12:44 - The Importance of Mindset Shift in Financial Planning 00:15:02 - The Struggle of High Rent and Fixed Expenses in High-Cost Areas 00:17:14 - Considering Your Financial Goals and Lifestyle
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from Leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault.
In this episode of The Vault, Lucy, Laura and Holly dive into the world of money focussed dilemas from the Financielle Community. The trio talk about females becoming financially independent of their partners, splitting restaurant bills with kids and joint account problems.
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Visit https://www.financielle.co.uk to join our community!
Chapters: 00:00:00 - Introduction 00:02:41 - The Changing Script for Women in Relationships 00:05:03 - Splitting the Restaurant Bill with Friends with Children 00:09:55 - Bill Splitting Tips 00:12:36 - The Importance of an Emergency Fund 00:14:53 - Financial Struggles and Gender Pay Gap 00:17:15 - Sharing Financial Responsibilities in a Relationship
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from Leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault.
In this episode of The Vault, Lucy, Laura and Holly dive into the world of money focussed dilemmas from the Financielle Community. The trio discuss the real cost of being a bridesmaid, bougee mates with bougee budgets and the question that's on everybody's lips, "how do they afford that?"
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Visit https://www.financielle.co.uk to join our community!
Chapters: 00:00:00 - Introduction 00:02:40 - The Shopping Mentality 00:05:10 - Affording Luxuries and Living Beyond Means 00:10:09 - Talking About Money with Friends 00:12:24 - Influencers and Gifted Experiences 00:15:00 - Financial Struggles and Tough Decisions 00:17:16 - Budgeting for the Wedding 00:19:24 - Unwritten Rules of Weddings Abroad
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from Leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault.
In this episode of The Vault, Lucy, Laura and Holly dive into the world of money focussed dilemas from the Financielle Community. The team debate car finance, leechy friends, lottery wins and celebrate some community wins! Listen in to Episode 3 now.
Visit https://www.financielle.co.uk to join our community!
Chapters: 00:00:00 - Introduction 00:03:22 - The Financial Burden of Car Finance 00:09:02 - The Car Finance Dilemma 00:12:10 - Charging the Car at a Public Point 00:15:13 - Being Comfortable Becomes Leeching 00:18:32 - Creating a Mini Emergency Fund 00:21:37 - TikTok Trends and Bougie Spending 00:24:53 - Living Your Best Life
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
In this episode of The Vault, Lucy, Laura and Holly dive into the world of money focussed dilemas from the Financielle Community. The team discuss the cost of weddings, how to navigate getting out of £100K debt and the dos and don'ts of lending money to family and friends. EP2 is one to watch!
Visit https://www.financielle.co.uk to download our app.
Follow us on Tiktok and Instagram @financielle
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Chapters: 00:00:00 - TikTok Confessions 00:03:45 - Justifying Expenses 00:06:47 - The Dynamics of Money and Family 00:10:16 - The Burden of Financial Responsibility 00:13:19 - Understanding Your Budget 00:16:33 - Wedding Planning and Expenses 00:19:59 - The Importance of Wedding Budgeting 00:26:54 - Dilemma: Lending Money to Friends and Family
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
In this episode of The Vault, Lucy, Laura and Holly dive into the world of money focussed dilemas from the Financielle Community. The team debate the power of f**k off funds, career ambitions, money icks, balancing social lives and your bank balance and Wayne Linekar. EP1 is not to be missed!
Visit https://www.financielle.co.uk to download our app.
Follow us on Tiktok and Instagram @financielle
Chapters: 00:00:00 - Financial Freedom and Personal Choices 00:02:47 - Finding Happiness in Unemployment and Job Change 00:05:33 - The Norm of Job Hopping 00:08:33 - Unequal Financial Contribution 00:11:25 - Navigating Income Differences in a Relationship 00:14:22 - Celebrating a Debt Paydown 00:17:17 - Financial Struggles and Social Pressure 00:19:54 - The Temptation of Spending Money 00:22:52 - The Fear of Losing Friends on a Money Journey
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 24 of The Vault, we discuss the controversial opinion, ‘Maternity leave should be fully paid for at least a year’ 🤰, before diving into our listener dilemmas:
"I’m going into debt for school trips”
"I'm in a PCP agreement with my ex!”
We celebrate a fantastic win from one of our listeners who took a big step towards financial control. She’s reducing her credit limit to break the cycle of debt! 🎉💪✨ #FinancialEmpowerment #SmallWins #HabitChange
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
00:00 Introduction 00:31 Glittery Cowboy Hat Story 01:30 Controversial Opinion: Maternity Leave 02:12 Personal Maternity Leave Experiences 05:46 Financial Planning for Parenthood 07:22 Shared Parental Leave and Gender Gaps 08:04 Financielle App Promotion 12:03 Dilemma: Funding a School Trip 19:55 Community Win: Reducing Credit Limit 21:43 Dilemma: Camper Van Ownership 27:54 Final Thoughts and Closing
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Chapters: 00:00 Lost Microphone Mishap 01:03 Tea Preferences at Financielle HQ 01:38 Welcome to The Vault 03:10 Unpaid Work Controversy 12:16 Dilemma: Relocating for a New Career 15:09 Train Fare Woes 16:28 Wine in a Can and Northern Banter 17:15 London Living and Relationship Sacrifices 19:14 Navigating Career Moves and Life Changes 21:45 Community Wins and Financial Milestones 24:45 Receiving a Large Sum of Money: What to Do? 33:58 Final Thoughts and Listener Appreciation
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Chapters: 00:00 Morning Gym Struggles 00:56 Welcome to The Vault 02:27 The Elitism of Wellness 11:58 Dilemma: Savings vs. Debt 16:02 The Urgency of Financial Decisions 16:29 Savings vs. Debt: A Balancing Act 17:35 Community Success Stories 18:43 Podcast Review and Personal Finance Insights 20:19 Sibling Financial Dilemma 22:17 Reflecting on Family Dynamics 30:51 Closing Thoughts and Disclaimer
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 21 of The Vault, we discuss whether or not women will ever be treated equally in sports ⚽️💸, before diving into our listener dilemmas:
My partner wants to take out car finance We’re stuck in £44k debt
We also celebrate a Financielle community member shutting down ALL her credit cards! ✂️💳🎉 If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Chapters: 00:00:00 - Poker Skills and Office Conversations 00:04:20 - The Disappointment of Women in Sports 00:08:13 - Cheerleaders and Financial Strain 00:12:20 - Compromising Financial Goals in a Relationship 00:16:24 - Budget Compromises and Credit Cards 00:20:45 - Dealing with Overwhelming Debt and Financial Circumstances 00:25:06 - Taking Control of Life and Financial Decisions 00:28:52 - Taking Control of Your Finances 00:32:26 - Navigating Parenthood and Finding Joy 00:36:17 - No Financial Advice Provided
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In this episode of The Vault, we discuss whether or not airport money is ‘real money’ (🚨SPOILER ALERT🚨 ...it’s not 👀), before diving into our listener dilemmas:
- Should my husband stop lending his parents money? - We can’t pay the inheritance tax
We also celebrate a fabulous community win. 🏆 If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Chapters: 00:00:00 - Airport Money: It's Not Real Money! 00:03:31 - Buying a Chanel Handbag in New York 00:06:56 - Snacks and Food on the Plane 00:10:26 - Buffet Breakfast Dilemma 00:13:40 - The Complex Relationship with Family Finances 00:16:43 - Borrowing Money from Family and Friends 00:19:38 - Celebrating Positive Net Worth and Financial Progress 00:22:40 - Dealing with Inheritance Tax and Property Ownership 00:25:48 - Running Mum's Cafe
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In this episode of The Vault, we discuss whether or not side hustles are ‘worth it’, before responding to our intriguing listener dilemmas 👀
We provide practical advice on common money mistakes, how to manage debt and when to start investing. 📈
Tune in for insightful discussions and expert tips to help you navigate your money journey with confidence and peace of mind. Don't forget to like, comment, and subscribe for more episodes!
Chapters: 00:00:00 - Controversial Side Hustle Thoughts 00:04:10 - Side Hustles and Women Thinking Small 00:07:43 - The Importance of Diversified Income 00:11:32 - Managing Debt and Investments 00:15:14 - Importance of Investment Risk Profiles 00:18:50 - Dealing with Debt and Addiction to Buy Now Pay Later 00:22:37 - Breaking Free From the Addiction to Instant Gratification 00:26:09 - Avoiding the Trap of Using Buy Now, Pay Later 00:29:53 - The Temptation of Online Shopping and Overusing Credit
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In this episode of The Vault, we dive deep into the challenges of comparing ourselves to others on our money journeys and the impact it has on our self-esteem and friendships. Join us as we explore how to handle jealousy in friendships, and provide practical advice on maintaining your happiness and self-worth.
We also respond to intriguing listener dilemmas: • Have I committed a Financielle crime? • I don’t want to be financially tied to my sister
Tune in for insightful discussions and expert tips to help you navigate your financial path with confidence and peace of mind. Don't forget to like, comment, and subscribe for more episodes!
Chapters: 00:00:00 - Comparing Your Money Situation to Others 00:04:00 - Dealing with Jealousy in Friendships 00:11:56 - Achieving what others have done 00:16:07 - Taking back the Designer Bag 00:23:34 - Inheriting and Managing Properties 00:27:00 - Selling Assets for Simplicity and Clarity 00:30:18 - The Importance of Decluttering and Clearing Out Your Stuff
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 28 of The Vault, we discuss this week’s controversial opinion, “It’s okay to spend when you’re in debt”, before diving into our listener dilemmas:
- I can’t give up my bougie membership - I don’t feel as financially free as I should do
We celebrate a savvy community member’s win - they dodged debt by using their emergency fund to cover nearly £300 in car repairs, and they're now excitedly setting up a sinking fund to stay ahead of next year's MOT! 🚗💸
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 252,000 customers saving with PensionBee. When investing, your capital is at risk.
Chapters: 00:00 Introduction and Initial Thoughts on Bougie Spending 00:26 Welcome to The Vault 00:48 Fun Facts and Personal Stories 02:23 Controversial Opinions on Spending While in Debt 03:26 Discussing Debt-Free Journeys and Spending Habits 07:54 Dilemma: Bougie Membership and Debt 11:40 Financial App Promotion 12:18 Evaluating the Worth of Bougie Expenses 15:18 Designer Labels and Financial Perspectives 17:33 Designer Gifts Only 17:54 Balenciaga Trainers Story 19:03 Emergency Fund Success 21:44 Planning for Financial Freedom 23:49 Building and Growing Wealth 27:31 Financial Health and Fitness 30:33 Final Thoughts and Wrap-Up
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Visit https://www.financielle.co.uk to join our community!
Welcome to The Vault with Financielle.
How to Save for Christmas, Travel, and Become Debt-Free In Episode 29 of The Vault, we discuss this week’s controversial opinion, “If you don’t have a Christmas sinking fund, you’re screwed”, before diving into our listener dilemmas:
- How do I save for everything? - The pandemic royally screwed up my finances
We celebrate possibly our most exciting win ever! After 7 years, 7 months and 12 days, our listener is officially DEBT-FREE 🍾🥂 Her commitment and determination is unbelievable and we are so proud 🤩 No matter where you are on your money journey, you are not alone ❤️
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 252,000 customers saving with PensionBee. When investing, your capital is at risk.
Chapters: 00:00 Introduction 01:46 Welcome to The Vault 04:49 Christmas Sinking Fund Tips 18:15 The Importance of Emergency Funds 24:06 Balancing Travel and Home Savings 25:20 Travel vs. Home Savings: A Detailed Breakdown 27:22 The Goal Snowball Method 29:06 Inspiring Community Win: Debt-Free Journey 35:42 Post-Pandemic Financial Struggles 37:07 Overcoming Impulse Spending 47:32 Final Thoughts
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Visit https://www.financielle.co.uk to join our community!
In Episode 31 of The Vault, we discuss this week’s controversial opinion, “University is a bad investment”, before diving into our listener dilemmas:
I have spending anxiety
We don’t earn the same but we pay the same
We celebrate a listener’s big win of filling their emergency fund - now safely stashed away in a high-yield account, ready to handle whatever life throws their way!
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 252,000 customers saving with PensionBee. When investing, your capital is at risk.
Chapters: 00:00 Introduction 03:09 Welcome to The Vault 05:10 Controversial Opinion: "University is a bad investment" 18:29 Dilemma 1: "I have spending anxiety" 23:49 Community win 26:41 Dilemma 2: "We don’t earn the same but we pay the same" 38:15 Final Thoughts
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Visit https://www.financielle.co.uk to join our community!
In Episode 30 of The Vault, we discuss this week’s controversial opinion, “In a divorce, you should get out what you put in financially”, before diving into our listener dilemmas:
“I have a Financielle disaster”
“I’m scared to clear my debt!”
We celebrate a listener's incredible win as she mastered sinking funds 💪, paid off £4k in credit card debt 💸, and still had enough to surprise her best friend with a wedding cake 🎂👰♀️—all on a modest salary!
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 252,000 customers saving with PensionBee. When investing, your capital is at risk.
Chapters: 00:00 Introduction and Lucy's Shoes 00:48 Welcome to The Vault 02:54 Controversial Opinion: Divorce Finances 08:54 Financial Knowledge and Transparency 15:18 Financial Disaster Recovery 16:42 Bridging the Financial Gap 17:40 Emergency Fund Strategy 21:22 Community Win: Sinking Funds Success 24:25 Dilemma: Fear of Clearing Debt 29:31 Final Thoughts
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 45 of The Vault, we discuss this week’s controversial opinion, “You don’t need a high income to build wealth”, before diving into our listener dilemmas:
💸 "Stuck between paying off debt and starting a family”
💸 "He has a 'what's mine is mine' attitude”
We celebrate an incredible community win: after just two years of using Financielle, one member will have paid off all their consumer debt—an amazing total of £45,086.35! 🎉
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook. This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULT
Chapters: 00:00 Introduction 00:45 New Year Reflections and Traditions 01:47 New Year Celebrations and Personal Stories 09:45 Controversial Opinions on Wealth 14:46 Dilemma: Balancing Debt and Starting a Family 20:41 Budgeting for IVF and Childcare 22:38 Community Success Story 24:20 Financial App Promotion 24:57 Relationship and Financial Dilemma 28:40 Advice on Financial Independence 29:48 Legal and Financial Protections 37:00 Final Thoughts
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
💸 Welcome to The Vault Unlocked – a special bonus series of The Vault Podcast, where we deep dive into the big money topics no one wants to talk about.
Budgeting gets a bad rap—it’s seen as restrictive, boring, and only for those struggling financially. But what if budgeting could be the key to freedom, clarity, and progress?
In this episode of The Vault Unlocked, we’re exploring:
Why budgeting has such a bad reputation—and how to flip the narrative
Common pitfalls like rigid rules, guilt, and forgetting irregular expenses
The Financielle Budgeting Method—a simple, flexible way to take control of your money
How to work with your emotions when budgeting, from guilt to frustration
Why budgeting isn’t restrictive—it’s empowering
This is your guide to creating a budget that works for you and transforms your money mindset.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 39 of The Vault, we discuss this week’s controversial opinion, “Investing is gate-kept and purposely made confusing”, before diving into our listener dilemmas:
“We want a wedding AND a house” 💍🏡
"I've been hiding £17,000 of debt since we started dating” 💸
We celebrate a listener who, despite being worried about telling their partner about their debt, took the leap - and was met with incredible support and a commitment to face the challenges together! ❤️
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.
Get more out of your money by opening a high interest Cash ISA with Trading 212 here 💸
When investing, your capital is at risk. Pies & Autoinvest is an execution-only service, not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. This information is not investment advice. Do your own research.
As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook.
This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULT
Chapters: 00:00 Introduction 06:09 Welcome to The Vault 10:44 Controversial Opinion: “Investing is gate-kept and purposely made confusing” 26:26 Dilemma 1: “We want a wedding AND a house” 35:00 Community Win: "Life happens and we're a team" 37:56 Dilemma 2: “I've Been Hiding
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 38 of The Vault, we discuss this week’s controversial opinion, “Money education should be taught in schools”, before diving into our listener dilemmas:
“How do I escape car finance?”
"Should I give up the opportunity for an interest free mortgage?”
We celebrate a listener who, after two and a half years of hard work and switching careers, has finally paid off £13,000 in credit card debt and is now totally consumer debt-free! She’s ready to channel all her extra cash into building her net worth and achieving financial freedom!
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.
Get more out of your money by opening a high interest Cash ISA with Trading 212 here 💸
When investing, your capital is at risk. Pies & Autoinvest is an execution-only service, not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. This information is not investment advice. Do your own research.
As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook.
This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULT Check it out here 💸
Chapters: 00:00 Introduction 03:33 Welcome to The Vault 03:43 Controversial Opinion: “Money education should be taught in schools" 16:44 Dilemma 1: “How do I escape car finance?” 32:40 Community Win: £13K Debt-Free! 36:05 Dilemma 2: “Should I give up the opportun
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 37 of The Vault, we discuss this week’s controversial opinion, “Luxury items are a waste of money unless they increase in value over time”, before diving into our listener dilemmas:
“Is my housemate’s boyfriend freeloading?”
"My whole life is about to change!”
We celebrate a motivated Vault listener getting her money $h*t together, going from an emotional, impulsive spender to someone with a clear vision and self-discipline over her spending 💸🤓
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.
Get more out of your money by opening a high interest Cash ISA with Trading 212 here 💸
When investing, your capital is at risk. Pies & Autoinvest is an execution-only service, not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. This information is not investment advice. Do your own research.
As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook.
This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULT Check it out here 💸
Chapters: 00:00 Introduction 03:48 Controversial Opinion: "Luxury items are a waste of money..." 16:00 Dilemma 1: “Is my housemate’s boyfriend freeloading?” 28:43 Community Win: Feeling in control over finances 36:03 Dilemma 2: “My whole life is about to change!” 52:40 Final Thoughts
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 36 of The Vault, we discuss this week’s controversial opinion, “9-5s don’t deserve the hate”, before diving into our listener dilemmas:
“Should I lock in on my side hustle or start investing?” 📈
"How do I start over after my breakup?” 💪
We celebrate a listener becoming debt-free, starting her wedding sinking fund, and feeling great when transferring to savings on payday rather than buying things she doesn’t need. What a Financielle queen! 👑💸
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.
Chapters: 00:00 Introduction 01:44 Welcome to The Vault 05:06 Controversial Opinion: “9-5s don’t deserve the hate” 11:58 Dilemma 1: “Should I lock in on my side hustle or start investing?” 📈 21:55 Community Win & Wedding Chat 28:47 Dilemma 2: "How do I start over after my breakup?” 35:55 Final Thoughts
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 35 of The Vault, we discuss this week’s controversial opinion, “Everyone should elope”, before diving into our listener dilemmas:
“Should I prioritise building wealth or invest ethically?” 📈 "How Do I Get My ADHD Wife on Board with Our Finances?” 💸
We celebrate a listener's incredible progress: since committing to the playbook in July, they've hit their mini emergency fund goal, closed a student overdraft, settled family debts, started sinking funds, and even dipped their toes into investing—all while feeling their money stress lift bit by bit! 🌟🎉
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.
Chapters: 00:00 Introduction 00:20 Welcome to The Vault 01:14 Controversial Opinion: "Everyone Should Elope" 06:06 Dilemma 1: "Should I prioritise building wealth or invest ethically?" 💸 18:06 Community Win 20:29 Dilemma 2: Managing Finances with ADHD 🌶 31:15 Final Thoughts
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 34 of The Vault, we discuss this week’s controversial opinion, “Budgeting apps don’t work”, before diving into our listener dilemmas:
“I can’t balance my budget with my social life” 🥂 “I’m obsessed with the idea of being debt free” 💸
We celebrate a listener who used her car maintenance sinking fund to dodge the stress of an unexpected car tyre expense 🚘🛞 We’re here for that peace of mind 🧘♀️✨
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 252,000 customers saving with PensionBee. When investing, your capital is at risk.
Chapters: 00:00 Introduction 03:00 Welcome to The Vault 05:50 Controversial Opinion: "Budgeting apps don’t work" 13:37 Dilemma 1: “I can’t balance my budget with my social life” 🥂 24:10 Community win - Sinking Funds FTW! 29:34 Dilemma 2: “I’m obsessed with the idea of being debt free” 💸 40:11 Final Thoughts
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Welcome to The Vault with Financielle. In Episode 33 of The Vault, we discuss this week’s controversial opinion, “Your engagement ring should be 3 months' salary, minimum”, before diving into our listener dilemmas:
The hidden costs of buying my first home 🏡 “Should I repay my ex husband’s debt?” 💸
We celebrate an awesome win from a listener who got a refund and proudly added it straight into her emergency fund instead of spending it - proof of some serious growth! 🤩🌱
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 252,000 customers saving with PensionBee. When investing, your capital is at risk.
Chapters: 00:00 Introduction 04:09 Welcome to The Vault 05:21 Controversial Opinion: "Your engagement ring should be 3 months' salary, minimum" 💍 17:33 Dilemma 1: The hidden costs of buying my first home 🏡 31:36 Community win 32:58 Dilemma 2: “Should I repay my ex husband’s debt?” 💸 43:56 Final Thoughts
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Visit https://www.financielle.co.uk to join our community!
In Episode 32 of The Vault, we discuss this week’s controversial opinion, “All debt is bad debt”, before diving into our listener dilemmas:
“Everything I’ve done is about to be taken away” “I found out my male colleagues were getting payrises but not me”
We celebrate a win from a listener who got hooked on The Vault after just one episode! They’ve re-downloaded the Financielle app, are diving into sorting their pension, and are gearing up to master sinking funds and take control of their finances! 🎉🙌
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 252,000 customers saving with PensionBee. When investing, your capital is at risk.
Chapters: 00:00 Introduction 00:55 Welcome to The Vault 02:14 Controversial Opinion: “All debt is bad debt” 9:08 Dilemma 1: “Everything I’ve done is about to be taken away” 15:20 Community win 18:17 Dilemma 2: “My Male Colleagues Got Payrises, But I Didn’t” 29:30 Final Thoughts
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 44 of The Vault, we discuss this week’s controversial opinion, “New Year's resolutions never work”, before diving into our listener dilemmas:
💸 "I'm so overwhelmed with my debt - how do I turn it around this year?”
💸 "I can never stick to my New Year goals.”
We celebrate some amazing wins from our community - we’re talking 🌟DEBT-FREE GIRLIES🌟, credit card breakups, weddings, emergency funds and holidays saved for, new jobs, house deposits and more! We couldn’t be prouder 🤩🥳🎉
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook. This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULT
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.
Start investing without the hard work with Trading 212 💸
When investing, your capital is at risk. Pies & Autoinvest is an execution-only service, not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. This information is not investment advice. Do your own research.
Chapters: 00:00 Introduction 00:47 Reflecting on 2024: A Year in Review 01:36 Listener Stories and Financial Advice 04:56 Christmas Gifts and Budgeting Tips 22:44 New Year Resolutions and Healthy Habits 29:01 Water Bottle Addiction Confessions 29:20 New Year Resolutions: Yay or Nay? 29:58 The Budgeting Struggle 31:38 Investing Made Eas
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
💸 Welcome to The Vault Unlocked – a special bonus series of The Vault Podcast, where we deep dive into the big money topics no one wants to talk about.
Money is one of the biggest reasons couples argue—and even break up. But what if it didn’t have to be that way? What if managing money could bring you closer?
In this episode of The Vault Unlocked, we’re diving into:
- The top money challenges couples face—and why so many feel financially incompatible - How money date nights can transform your finances and your relationship - A real-life story from a couple who went from clashing over money to finally feeling in control - Simple steps to start your own money date night routine and tackle financial goals as a team
This is your guide to turning money from a source of stress into a powerful tool for connection. ❤️
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 43 of The Vault, we discuss this week’s controversial opinion, “Cutting out buying coffees won’t make you rich”, before diving into our listener dilemmas:
💸 “Paying double while building up sinking funds?”
💸 “Me and my husband had very different money upbringings”
✨EXCITING UPDATE ALERT ✨
We had a message from a listener who wrote a dilemma featured in Episode 26, “90k debt and my husband has run out of money”… they’ve made amazing progress! Not only have they paid off £16k in six months, but they’ve built an emergency fund, transformed their spending habits, and are now on track to clear the rest of their debt 🤩🥳🎉
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.
Start investing without the hard work with Trading 212 💸
When investing, your capital is at risk. Pies & Autoinvest is an execution-only service, not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. This information is not investment advice. Do your own research.
Chapters: 00:00 Introduction 00:41 The Fizzy Drink Dilemma 04:44 Fashion and TV Appearances 06:11 Financial Tips and Lifestyle Choices 16:35 Dilemma: Managing Monthly and Annual Payments 21:29 Success Story: Overcoming Debt Together 31:05 Dilemma: Different Financial Upbringings 39:54 Conclusion and Final Thoughts
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
💸 Welcome to The Vault Unlocked – a special bonus series of The Vault Podcast, where we deep dive into the big money topics no one wants to talk about.
In today’s episode, I’m unpacking Buy Now Pay Later (BNPL) and its impact on consumerism.
If you’re a fan, hear me out—at best, I may convince you not to use it; at worst, you’ll gain a full understanding of how BNPL can impact your money management.
Let’s get into it!
✨ What to expect in this episode:
The reality of BNPL: the promises of instant gratification and flexible payments that can lead to unmanageable debt.
The psychology behind overconsumption and why BNPL makes us feel like purchases are more affordable than they really are.
The rise of BNPL services like Klarna and Clearpay, and why they’ve become so appealing to consumers and retailers.
The financial, emotional, and societal consequences of relying on BNPL, including the stress of overlapping payments and late fees.
How BNPL’s marketing manipulates users by promoting “empowerment” and “treat yourself” messaging.
The impact on younger generations, who are using BNPL for everyday purchases and creating long-term financial vulnerabilities.
The solution: conscious consumerism and sinking funds as alternatives to BNPL, giving you control over your spending.
✨ Takeaway: BNPL might seem like a quick fix, but it’s leading to bigger problems in the long run. Learning to save before you spend is the key to financial wellness.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 42 of The Vault, we discuss this week’s controversial opinion, “Buy cheap, you buy twice”, before diving into our listener dilemmas:
💸 “The jump from managing money together to by myself”
💸 “I’ve fallen off the rails”
We celebrate a listener who discovered an unexpected benefit of using Financielle - they have the financial freedom to make a career change and pursue a job they’re passionate about 🥹❤️
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.
Start building your investing routine with Trading 212’s Autoinvest feature here 💸
When investing, your capital is at risk. Pies & Autoinvest is an execution-only service, not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. This information is not investment advice. Do your own research.
Chapters: 00:00 Introduction 00:41 Tea Time Tales and Morning Routines 10:02 Fashion and Quality: Buy Cheap, Buy Twice 18:03 Investment Routine and First Dilemma 21:03 Navigating Shared Financial Responsibilities 23:03 Freelancing and Budgeting Tips 25:19 Embracing Solo Financial Management 29:24 Overcoming Financial Setbacks
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
💸 Welcome to The Vault Unlocked – a special bonus series of The Vault Podcast, where we deep dive into the big money topics no one wants to talk about.
In this kickoff episode, I’m sharing my story—the journey that led to the creation of Financielle.
✨ What to expect in this episode:
My early dream of wealth, inspired by lottery fantasies and a “Richie Rich” mindset
The reality of living a Champagne lifestyle on a Prosecco budget: consumer debt, emotional spending, and the pressure to "look rich"
The struggle with quick fixes, the trap of instant gratification, and the wake-up call that changed everything
My lightbulb moment: shifting the focus from wealth to financial wellness and embracing small, impactful changes
How Financielle was born from a desire to help women take manageable steps toward financial security and stability
✨ Takeaway: Financial wellness doesn’t require a lottery win—it starts with small, actionable steps.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 41 of The Vault, we discuss this week’s controversial opinion, “You shouldn’t have a personal trainer if you’re in debt”, before diving into our listener dilemmas:
💸 “Should I ditch luxuries while paying off debt?”
💸 “I feel so behind compared to my family and friends”
We celebrate a listener who, after dealing with some serious debt and living paycheck to paycheck, has managed to create a £500 sinking fund and an emergency fund, all while staying committed to budgeting and spending below their means 😍🎉
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.
Start building your investing routine with Trading 212’s Autoinvest feature here 💸
When investing, your capital is at risk. Pies & Autoinvest is an execution-only service, not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. This information is not investment advice. Do your own research.
As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook.
This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULT
Chapters: 00:00 Introduction 00:47 Hair Woes and Crime Scene Fears 07:47 Holiday Traditions and Festivities 12:11 Financial Advice and Personal Trainers 23:38 Hairdresser Hilarity: Community Stories 26:20 The Cost of Beauty: Financial Realities 28:49 Sinking Funds and Emergency Savings 36:02 Navigating Life's Challenges: Advice and Reflections
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
In Episode 40 of The Vault, we discuss this week’s controversial opinion, "'Settling' for a stable job over pursuing a passion is a valid choice”, before diving into our listener dilemmas:
💸 “How should I be saving for my children’s futures?”
💸 “I’m scared to make a mistake with my husband’s life insurance pay out”
We celebrate a listener who’s transformed their money mindset, started budgeting, and even inspired their best friend to join them in weekly “Monday Money Meetings”. We’re so here for it! ❤️
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌
Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.
Start building your investing routine with Trading 212’s Autoinvest feature here 💸
When investing, your capital is at risk. Pies & Autoinvest is an execution-only service, not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. This information is not investment advice. Do your own research.
Chapters: 00:00 Introduction 00:42 Fashion Talk: The Story Behind the Trainers 02:58 Nail Care and Beauty Tips 08:21 Balancing Hobbies and Work 17:49 Practical Solutions and Investment Routines 18:42 Saving for Children's Futures 27:43 Community Wins and Money Meetings 29:56 Managing Life Insurance Payouts
The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.