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 benefi...
Early Retirement And Guilt-Free Spending | The Vault Episode 49
Send us a textIn Episode 49 of The Vault, we discuss this week’s controversial opinion, “Your 20s are NOT for building wealth, your 30s are” before diving into our listener dilemmas:💸 "Should I give up on my early retirement dreams?”💸 "I earn £180k but feel guilty spending”We celebrate a brilliant win from one of our community members! After using Monzo Flex for "cash flow purposes" and accumulating £300 in debt from holiday spending and shopping, they took control by doing a smart bank switch, earning £200, and combining it with extra funds to pay off the balance entirely. They’ve now officially closed it—legend! 🎉If you’d like to share your money win, head to the community in the Financielle app or email [email protected] your (totally anonymous) money dilemmas to [email protected] 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: VAULTCheck out The Money Playbook course here 💸Chapters:00:00 Introduction00:46 Welcome to The Vault Podcast03:22 Controversial Opinion: Wealth Building in Your Twenties05:08 The Power of Compound Interest13:14 Retirement Planning Dilemma22:27 Community Win: Overcoming Debt23:11 Popcorn and Cinema Hacks24:35 Bank Switching Success Stories26:25 Emergency Funds and Financial Hacks31:03 High Earner Dilemma: Spending Guilt38:46 Budgeting Tips and Final ThoughtsThe 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▶︎ InstagramAbout 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
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UNLOCKED: Why Everyone Should Track Their Net Worth (Not Just the Rich)
Send us a text💸 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.Today, we’re tackling net worth—and no, it’s not just for celebrities or the ultra-rich. Tracking your net worth is the ultimate financial move, no matter where you’re starting from, even if you’re in debt.Here’s what we’re unlocking in this episode:What net worth really means and why it’s a better measure than incomeThe assets that matter most—and why not all assets are created equalCommon misconceptions about net worth, including why even a negative number is worth trackingHow to calculate your net worth in four simple steps and use it to growPlus, we’re sharing a community story from Hannah, who started tracking her net worth and saw her financial journey transform.This episode will empower you to take charge of your money and give you the tools to see progress, no matter your starting point.🚑 P.S. if you work in the NHS, click this link for pension calculation help: https://www.nhsbsa.nhs.uk/member-hub/getting-estimate-your-pension💬 Have a topic you’d love us to unlock next? Email us at [email protected]👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.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▶︎ InstagramAbout 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
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The Truth About Budgeting, Downsizing, And Lending Money | The Vault Episode 48
Send us a textIn Episode 48 of The Vault, we discuss this week’s controversial opinion, “the 50/30/20 budgeting rule is bullshit” before diving into our listener dilemmas:💸 "Do we have to downsize after our children have moved out?”💸 "My brother in law won’t pay us back”We’re super excited for a community member who paid off her first credit card - £3924! 💸✨ On to the next one, you’ve got this!If you’d like to share your money win, head to the community in the Financielle app or email [email protected] your (totally anonymous) money dilemmas to [email protected] 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: VAULTCheck out The Money Playbook course here 💸Chapters:00:00 Introduction00:44 Welcome to The Vault01:02 January Decluttering and Organizing04:36 Project Pan: Using What You Have13:09 The 50/30/20 Budgeting Rule Debate16:15 Sinking Funds and Financial Goals20:33 Adjusting Financial Goals Based on Life Stages21:37 Dilemma: Should We Downsize Our Family Home?23:38 Exploring the Benefits of Downsizing30:39 Community Win: Paying Off Debt31:59 Dilemma: Brother-in-Law's Unpaid Debt43:09 Conclusion and Final ThoughtsThe 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▶︎ InstagramAbout 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
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UNLOCKED: Why You’re Sh*t at Saving Money (And How to Fix It)
Send us a text💸 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 episode, we’re tackling the topic of emergency funds—the ultimate financial safety net. We explore why so many people struggle to save, unpack the psychology behind spending vs. saving, and share actionable steps to build an emergency fund from scratch.Whether you’ve got £0 saved or you’re ready to level up your fund, you’ll leave with practical tips and motivation to protect yourself from financial surprises. Let’s rewrite your money story, starting today. Have a topic you’d love us to unlock next? Email us at [email protected] Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.Download the Financielle app and start reaching your money goals today! https://www.financielle.comThe 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▶︎ InstagramAbout 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
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“£60K Debt And My Boyfriend Won’t Accept Help” | The Vault Episode 47
Send us a textIn Episode 47 of The Vault, we discuss this week’s controversial opinion, “Cutting back on friends’ celebrations is fine”, before diving into our listener dilemmas:💸 "Should I prioritise my kids' savings or my pension?”💸 "We’re in 60k debt, but my boyfriend won’t accept the money to clear it”We’re super excited about a big win! In just 6 months with Financielle, this community member has boosted their net worth by 121.5%! We’re so thrilled and grateful to be part of their money journey! 💸✨If you’d like to share your money win, head to the community in the Financielle app or email [email protected] Send your (totally anonymous) money dilemmas to [email protected] 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: VAULTCheck out The Money Playbook course here 💸Chapters:00:00 Introduction00:45 Welcome to The Vault00:59 Nail Care and Beauty Budgeting02:18 The Cost of Beauty Maintenance04:03 Skincare and Makeup Tips08:16 The Expense of Social Celebrations15:38 Vibe Check and Friend Dynamics16:11 Hilarious Dinner Incident17:43 Cherie's Wedding Plans18:44 Dilemma: Kids' Savings vs. Pension20:08 Financial Recovery and Planning28:37 Community Wins and Net Worth30:01 Dilemma: Clearing Debt with Family Money37:08 ConclusionThe 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▶︎ InstagramAbout 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
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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.
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