The Vault with Financielle – Details, episodes & analysis

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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.

Visit https://www.financielle.com to download our app.

Watch the podcast on YouTube.

Follow Financielle for more:

▶︎ TikTok
▶︎ Instagram

About Financielle:

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.

Recorded and Produced by Liverpool Podcast Studios
▶︎ Web
▶︎ Instagram
▶︎ LinkedIn

Send us a text

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.

Visit https://www.financielle.com to download our app.

Watch the podcast on YouTube.

Follow Financielle for more:

▶︎ TikTok
▶︎ Instagram

About Financielle:

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.

Recorded and Produced by Liverpool Podcast Studios
▶︎ Web
▶︎ Instagram
▶︎ LinkedIn

Send us a text

Welcome to The Vault with Financielle.

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.

Visit https://www.financielle.com to download our app.

Watch the podcast on YouTube.

Follow Financielle for more:

▶︎ TikTok
▶︎ Instagram

About Financielle:

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.

Recorded and Produced by Liverpool Podcast Studios
▶︎ Web
▶︎ Instagram
▶︎ LinkedIn

Send us a text

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.

Visit https://www.financielle.com to download our app.

Watch the podcast on YouTube.

Follow Financielle for more:

▶︎ TikTok
▶︎ Instagram

About Financielle:

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.

Recorded and Produced by Liverpool Podcast Studios
▶︎ Web
▶︎ Instagram
▶︎ LinkedIn

Send us a text

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.

Visit https://www.financielle.com to download our app.

Watch the podcast on YouTube.

Follow Financielle for more:

▶︎ TikTok
▶︎ Instagram

About Financielle:

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.

Recorded and Produced by Liverpool Podcast Studios
▶︎ Web
▶︎ Instagram
▶︎ LinkedIn

Send us a text

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.

Visit https://www.financielle.com to download our app.

Watch the podcast on YouTube.

Follow Financielle for more:

▶︎ TikTok
▶︎ Instagram

About Financielle:

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.

Recorded and Produced by Liverpool Podcast Studios
▶︎ Web
▶︎ Instagram
▶︎ LinkedIn

Send us a text

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 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.

Visit https://www.financielle.com to download our app.

Watch the podcast on YouTube.

Follow Financielle for more:

▶︎ TikTok
▶︎ Instagram

About Financielle:

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.

Recorded and Produced by Liverpool Podcast Studios
▶︎ Web
▶︎ Instagram
▶︎ LinkedIn

Send us a text

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.

Visit https://www.financielle.com to download our app.

Watch the podcast on YouTube.

Follow Financielle for more:

▶︎ TikTok
▶︎ Instagram

About Financielle:

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.

Recorded and Produced by Liverpool Podcast Studios
▶︎ Web
▶︎ Instagram
▶︎ LinkedIn

Send us a text

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.

Visit https://www.financielle.com to download our app.

Watch the podcast on YouTube.

Follow Financielle for more:

▶︎ TikTok
▶︎ Instagram

About Financielle:

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.

Recorded and Produced by Liverpool Podcast Studios
▶︎ Web
▶︎ Instagram
▶︎ LinkedIn

Send us a text

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.

Visit https://www.financielle.com to download our app.

Watch the podcast on YouTube.

Follow Financielle for more:

▶︎ TikTok
▶︎ Instagram

About Financielle:

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.

Recorded and Produced by Liverpool Podcast Studios
▶︎ Web
▶︎ Instagram
▶︎ LinkedIn