Podcast Don't Depend On Daddy by Michela Allocca Episodes

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	Title	Pub. Date	Duration
	160. How 'Atomic Habits' Changed the Way I Structure My Life \| 5 Key Lessons & How I Apply Them	06 May 2026	00:44:00
In this episode, I’m breaking down the most important lessons from 'Atomic Habits' by James Clear - and more importantly, how they actually show up in real life. A lot of people think they struggle with discipline or consistency, but most of the time, it comes down to how your life is structured. Your environment, your defaults, and your systems are what determine what actually happens on a day-to-day basis. I walk through the core ideas that have made the biggest difference for me, including how to build habits that stick, why systems matter more than goals, how identity is shaped through repetition, and how to remove friction so things actually get done. If you feel like you’re always starting over, this will help you understand what’s actually going wrong - and how to fix it in a way that lasts. Get the Book: https://go.shopmy.us/p-55453256 Other Videos/Episodes Mentioned:Defaults 👉🏻 https://youtu.be/AIO4cIHE1-MGrocery Video 👉🏻 https://youtu.be/ULWQ4oeNcqYWeekly Money Routine 👉🏻 https://youtu.be/FJaumNDqq-UDecluttering Episode 👉🏻 https://youtu.be/xRaZzDx55YQDiscpline Episode 👉🏻 https://youtu.be/ikoiOiK0cUQ Subscribe to Beyond Your Budget: https://breakyourbudget.substack.com/ Personal Finance Starter Kit: https://breakyourbudget.substack.com/p/your-personal-finance-starter-kit BREAK YOUR BUDGET RESOURCES: 💸 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template 💸 FI/RE Template: https://breakyourbudget.com/fire-template 💸 RENT VS. BUY CALCULATOR https://breakyourbudget.com/rent-vs-buy-calculator 💳 Tools I Use: Rakuten Cash Back: https://shorturl.at/w0PcH SoFi HYSA: https://secure.money.com/pr/pa5344bfc4f2 Try Classpass: https://classpass.com/refer/UKLV6BN026 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 💸 My ShopMy: https://shopmy.us/shop/michelaallocca TIMESTAMPS: 00:00 – Why I keep coming back to Atomic Habits 02:00 – Podcast vs YouTube: how I think about content 04:00 – The core thesis: behavior, identity, and results 05:30 – Why your life reflects your defaults, not your intentions 10:30 – Real-life examples: spending, workouts, cooking, and admin 19:00 – Systems vs goals (and what systems actually are) 26:45 – Identity-based habits and how they form 33:15 – Friction: the real reason habits don’t stick 38:00 – The 4 laws of habit formation (how to make habits work) 42:30 – Final recap: what actually changes your life
	159. The Real Shifts That Made Me Successful as I Start My 30s (perspectives, systems, & habits)	29 Apr 2026	00:41:01
I spent a lot of my 20s feeling like I was figuring things out in real time. Now that I’m 30, I can clearly see the habits, systems, and perspective shifts that actually made the biggest difference in my life - and the ones that didn’t. In this episode, I’m walking through what’s changed for me across five areas: money, career, appearance, health, and relationships. If you feel like you’re in a transition phase, or things are starting to click but not fully there yet, this will give you a clearer direction. We cover: 👉🏻 The financial systems that stayed consistent (no matter my income) 👉🏻 Why “buy less, buy better” changed how I spend 👉🏻 How I structure my workdays for focus and output 👉🏻 The routines that improved my health, sleep, and energy 👉🏻 The mindset shift that changed my relationships → Weekly Money Routine:https://youtu.be/FJaumNDqq-U → Capsule Wardrobe: https://youtu.be/qGcI0Ny_1mk → Oura Ring Review: https://youtu.be/epFtBNTTZq4 → Work Optional Explained: https://youtu.be/0cH7vduRWRE Kyyahs Account: https://www.instagram.com/kyyahabdul/ Subscribe to Beyond Your Budget: https://breakyourbudget.substack.com/ Personal Finance Starter Kit: https://breakyourbudget.substack.com/p/your-personal-finance-starter-kit BREAK YOUR BUDGET RESOURCES: 💸 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template 💸 FI/RE Template: https://breakyourbudget.com/fire-template 💸 RENT VS. BUY CALCULATOR https://breakyourbudget.com/rent-vs-buy-calculator 💳 Tools I Use: Rakuten Cash Back: https://shorturl.at/w0PcH SoFi HYSA: https://secure.money.com/pr/pa5344bfc4f2 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 💸 My ShopMy: https://shopmy.us/shop/michelaallocca TIMESTAMPS: 00:00 – Where I’m at now vs. my 20s 03:00 – Why systems matter more than goals 05:00 – Personal finance: what actually stayed consistent 07:00 – Buying less, buying better (and high ROI spending) 10:00 – Work optional mindset + long-term thinking 13:30 – Career systems: weekly planning + deep work 19:00 – Focus blocks, phone habits, and productivity 22:30 – Appearance: skincare, body care, and style shifts 30:00 – Health routines: workouts, steps, sleep, and habits 36:00 – Relationships: boundaries, community, and standards
	150. How to Take Control of Your Time: The Systems I Use to Actually Get Things Done (productivity and time management tips)	25 Feb 2026	00:40:44
Time management is not about doing more in less time. It is about deciding what actually deserves your energy. In this episode, I walk through how I manage my time in a way that supports my life instead of overwhelming it. We talk about why poor time management is rarely a personal flaw, how urgency hijacks your day, and why prioritizing by impact changes everything. I share the exact systems I use to externalize tasks, plan my days and weeks, protect deep focus time, and balance work with health, relationships, and rest. This episode is for anyone who feels busy all the time but still feels like the most important things keep getting pushed to the edges of their life. Subscribe to Beyond Your Budget: https://breakyourbudget.substack.com/ Personal Finance Starter Kit: https://breakyourbudget.substack.com/p/your-personal-finance-starter-kit BREAK YOUR BUDGET RESOURCES: 💸 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template 💸 FI/RE Template: https://breakyourbudget.com/fire-template 💸 RENT VS. BUY CALCULATOR https://breakyourbudget.com/rent-vs-buy-calculator 💳 Tools + Cards I Use: Rakuten Cash Back: https://shorturl.at/w0PcH SoFi HYSA: https://wealthlink.me/michela-sofi-hysa AmEx Platinum: https://tinyurl.com/2rkrysw2 Bilt Rewards: https://tinyurl.com/4kd8s33a Blue Cash Everyday: https://tinyurl.com/yrcbr2ac 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 💸 My ShopMy: https://shopmy.us/shop/michelaallocca TIMESTAMPS: 00:00 – Why January–June is my focus season 03:05 – Why time management isn’t about doing more 06:10 – Time management as a systems problem 09:40 – Externalizing tasks to reduce mental load 13:30 – Digital vs physical planning and why both matter 17:10 – Urgency vs impact and how urgency hijacks your day 21:30 – Choosing impact tasks before the day starts 25:15 – How I structure my week and daily themes 30:40 – Focus blocks, maintenance work, and realistic planning 36:50 – Yearly themes and using them as a decision filter
	60. I'm in my ~Hobby Era~ and You Should Be, Too!!	29 May 2024	00:41:44
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	22 May 2024	00:43:55
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	14 May 2024	00:36:20
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!	08 May 2024	00:58:58
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	01 May 2024	01:01:56
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	24 Apr 2024	00:40:58
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	17 Apr 2024	00:41:15
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	10 Apr 2024	00:29:09
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	03 Apr 2024	00:51:31
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!	27 Mar 2024	00:44:00
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
	149. The Year of the Fire Horse: Using the Lunar Calendar to Reset With Intention	18 Feb 2026	00:38:26
We’ve reached the part of the year where January motivation fades. Luckily, we get another reset! In this episode, I’m breaking down the Lunar New Year, the symbolism of the Fire Horse, and what this year represents energetically. We talk about movement versus direction, independence versus emotional avoidance, and how to build disciplined momentum instead of chaotic hustle. If last year was about shedding (Year of the Snake), this year is about strength. I’m sharing how I’m personally approaching it - physically, emotionally, and creatively - along with a mini “Horse Year Audit” you can use to recalibrate your own life Subscribe to Beyond Your Budget: https://breakyourbudget.substack.com/ Personal Finance Starter Kit: https://breakyourbudget.substack.com/p/your-personal-finance-starter-kit BREAK YOUR BUDGET RESOURCES: 💸 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template 💸 FI/RE Template: https://breakyourbudget.com/fire-template 💸 RENT VS. BUY CALCULATOR https://breakyourbudget.com/rent-vs-buy-calculator 💳 Tools + Cards I Use: Rakuten Cash Back: https://shorturl.at/w0PcH SoFi HYSA: https://wealthlink.me/michela-sofi-hysa AmEx Platinum: https://tinyurl.com/2rkrysw2 Bilt Rewards: https://tinyurl.com/4kd8s33a Blue Cash Everyday: https://tinyurl.com/yrcbr2ac 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 💸 My ShopMy: https://shopmy.us/shop/michelaallocca TIMESTAMPS: 00:00 – Why Lunar New Year Feels Like the “Real” Reset 02:00 – What Chinese New Year Actually Is 05:00 – Zodiac Animals, Elements & the Fire Horse 09:00 – Reflecting on the Year of the Snake 11:00 – What Horse Energy Represents 15:00 – The Shadow Side: Burnout, Pride & Emotional Avoidance 20:00 – How I’m Personally Approaching the Year of the Horse 25:00 – Emotional Regulation as Refined Power 29:00 – Things to Do (and Avoid) During Lunar New Year 32:00 – The Horse Year Audit & Closing Reflection
	50. 10 Things I No Longer Buy	20 Mar 2024	00:38:39
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)	13 Mar 2024	00:42:49
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	06 Mar 2024	00:30:02
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	28 Feb 2024	00:52:02
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	21 Feb 2024	01:02:02
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?	14 Feb 2024	00:49:27
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?	31 Jan 2024	00:54:07
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	24 Jan 2024	00:45:49
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: https://thepointsguy.com/ https://thepointsguy.com/ 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!	17 Jan 2024	00:39:00
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!	12 Jan 2024	01:03:02
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
	148. How to Enter Your ~Discipline Era~ and Start Respecting Your Time to Change Your Life	11 Feb 2026	00:42:29
People tell me all the time that I’m “the most disciplined person they know” - and they always want to know how I stay organized, productive, and focused without burning out. In this episode, I want to clear something up: most people aren’t lazy. They’re burnt out, overstimulated, emotionally dysregulated, and trying to rely on motivation instead of systems. We’re reframing discipline as self-respect in action. I walk through why laziness is usually a misdiagnosis, how overstimulation and decision fatigue kill follow-through, and the exact skills that helped me move from “lazy-adjacent” to consistent, focused, and disciplined. If you want 2026 to be the year you actually follow through on your goals - without hating your life - this episode is for you. Subscribe to Beyond Your Budget: https://breakyourbudget.substack.com/ Personal Finance Starter Kit: https://breakyourbudget.substack.com/p/your-personal-finance-starter-kit BREAK YOUR BUDGET RESOURCES: 💸 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template 💸 FI/RE Template: https://breakyourbudget.com/fire-template 💸 RENT VS. BUY CALCULATOR https://breakyourbudget.com/rent-vs-buy-calculator 💳 Tools + Cards I Use: Rakuten Cash Back: https://shorturl.at/w0PcH SoFi HYSA: https://wealthlink.me/michela-sofi-hysa AmEx Platinum: https://tinyurl.com/mpf7u7uy Bilt Rewards: https://tinyurl.com/4kd8s33a Blue Cash Everyday: https://tinyurl.com/yrcbr2ac 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 💸 My ShopMy: https://shopmy.us/shop/michelaallocca TIMESTAMPS: 00:00 – Why people think I’m disciplined (and why “lazy” is usually the wrong label) 03:20 – Why most people aren’t lazy - they’re burnt out and overstimulated 07:10 – Discipline vs productivity (and why discipline matters more) 10:45 – Why discipline is self-respect in action 14:30 – Why motivation fails and systems actually work 18:40 – Lowering activation energy so habits feel easier 23:10 – Non-negotiable minimums that build consistency 27:30 – Rules vs moods: removing negotiation from your life 31:50 – Overstimulation, focus, and respecting your nervous system 38:10 – Productivity that actually moves your life forward
	40. Things That Have Made My Life Better in My 20's (money, career, life)	10 Jan 2024	00:46:54
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)	03 Jan 2024	00:53:24
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!	20 Dec 2023	01:02:01
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	13 Dec 2023	00:46:16
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	06 Dec 2023	00:41:47
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	29 Nov 2023	00:27:20
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	22 Nov 2023	00:47:24
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	15 Nov 2023	00:40:38
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!	08 Nov 2023	01:08:36
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	01 Nov 2023	00:49:24
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
	147. February Monthly Curriculum: How I am Becoming Smarter and More Interesting (+ Key Framework)	04 Feb 2026	00:33:25
One of my goals for 2026 is to learn something new every single month — without feeling overwhelmed, scattered, or like I’m trying to do everything at once. In this episode, I’m introducing my monthly curriculum framework: a repeatable structure I’m using to stay engaged with my life, learn new things, spend less time doom scrolling, and actually make progress on the hobbies and interests I care about. I walk through the full framework step by step, explain why I’m doing this, and then share my February monthly curriculum - including what I’m reading, learning, practicing, and prioritizing this month. If you’ve ever felt like you have too many interests and not enough time, or you want more intention and structure in your free time without turning life into another to-do list, this episode is for you. Subscribe to Beyond Your Budget: https://breakyourbudget.substack.com/ Personal Finance Starter Kit: https://breakyourbudget.substack.com/p/your-personal-finance-starter-kit BREAK YOUR BUDGET RESOURCES: 💸 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template 💸 FI/RE Template: https://breakyourbudget.com/fire-template 💸 RENT VS. BUY CALCULATOR https://breakyourbudget.com/rent-vs-buy-calculator 💳 Tools + Cards I Use: Rakuten Cash Back: https://shorturl.at/w0PcH SoFi HYSA: https://wealthlink.me/michela-sofi-hysa AmEx Platinum: https://tinyurl.com/2rkrysw2 Bilt Rewards: https://tinyurl.com/4kd8s33a Blue Cash Everyday: https://tinyurl.com/yrcbr2ac 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 💸 My ShopMy: https://shopmy.us/shop/michelaallocca 00:00 – Why I want to learn something new every month 03:10 – What a “monthly curriculum” actually is 06:00 – Why having too many interests can feel overwhelming 09:40 – The full monthly curriculum framework overview 12:00 – Setting a monthly theme, vision, and inspiration 14:45 – Choosing a nonfiction topic or book to study 17:45 – Focusing on one skill, hobby, or practice 20:15 – Domestic and daily upgrades that make life easier 22:40 – Staying culturally engaged without scrolling 25:10 – Solo dates, accountability, and my February curriculum
	30. How to Create LIFE-WORK Balance	25 Oct 2023	00:40:53
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	11 Oct 2023	00:21:10
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!	04 Oct 2023	00:58:24
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	20 Sep 2023	00:38:51
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	13 Sep 2023	00:58:45
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	06 Sep 2023	00:41:51
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	25 Jul 2023	00:48:18
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	19 Jul 2023	00:49:34
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	12 Jul 2023	00:48:05
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	05 Jul 2023	00:25:35
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
	146. How to Stop Feeling Overwhelmed by Everyday Life \| Manage "Life Admin" & Reduce the Mental Load	28 Jan 2026	00:41:09
Being an adult is so hard because of the constant, low-level decisions that never stop - the scheduling, the errands, the emails, the meals, the maintenance, and the mental load that quietly piles up in the background of daily life. In this episode, I’m breaking down the systems and skills that have made my adult life feel calmer, more predictable, and more manageable. Instead of relying on motivation or discipline, these are practical frameworks I use to reduce decision fatigue, lower stress, and support my nervous system through everyday life. We talk about scheduling in a way that actually works, why maintenance prevents burnout, how to manage life admin without overwhelm, why feeding yourself consistently matters more than you think, and how self-regulation ties everything together. This episode is about building a life that feels lighter - not by doing more, but by creating systems that support you when things get busy. Subscribe to Beyond Your Budget: https://breakyourbudget.substack.com/ Personal Finance Starter Kit: https://breakyourbudget.substack.com/p/your-personal-finance-starter-kit How to Be Organized Article: https://annanewton.substack.com/p/how-to-be-organised-in-2026 BREAK YOUR BUDGET RESOURCES: 💸 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template 💸 FI/RE Template: https://breakyourbudget.com/fire-template 💸 RENT VS. BUY CALCULATOR https://breakyourbudget.com/rent-vs-buy-calculator 💳 Tools + Cards I Use: Rakuten Cash Back: https://shorturl.at/w0PcH SoFi HYSA: https://wealthlink.me/michela-sofi-hysa AmEx Platinum: https://tinyurl.com/mpf7u7uy Bilt Rewards: https://tinyurl.com/4kd8s33a Blue Cash Everyday: https://tinyurl.com/yrcbr2ac 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 💸 My ShopMy: https://shopmy.us/shop/michelaallocca TIMESTAMPS: 00:00 – Why adulthood feels overwhelming in the small moments 03:10 – The hidden mental load no one teaches you to manage 06:05 – Why willpower fails and systems actually work 09:10 – Scheduling as a tool for mental relief, not control 13:40 – How weekly planning reduces daily overwhelm 18:05 – Why maintenance prevents burnout before it starts 23:10 – Managing life admin so it stops hanging over you 28:30 – Feeding yourself without stress as an adult skill 33:45 – Self-regulation and reducing constant overstimulation 38:10 – Building a calmer, more manageable adult life
	20. Let's Catch Up! Book Launch, Travel Recap, Summer Routines + Hobbies	28 Jun 2023	00:49:38
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	20 Jun 2023	00:26:04
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	14 Jun 2023	00:41:14
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

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