“I Feel Like I’ve Wasted My 20s!” | The Vault Episode 57

Send us a textIn Episode 58 of The Vault, we discuss this week’s controversial opinion, “We should be allowed to say no to hen dos with no issues". We then dive into our listener dilemmas:💸 "How do I stop my sisters hen do from sending us into debt?”💸 ”Should I keep my rental property or sell up?”We celebrate a listener who officially paid off her student loan in full and feels a massive sense of relief! With an extra 9% of her payslip each month, she’s now focusing on overpaying her mortgage. 🌟👏 #CommunityWin #DebtFreeIf 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 💌🐝Thanks to our partner PensionBee. They’re a leading online pension provider on a mission to build pension confidence so that you can enjoy a happy retirement. Pension saving is made simple with PensionBee - you can combine, contribute and withdraw online or from the palm of your hand with their easy-to-use app. Their retirement planning tools - like their Pension Calculator - blogs, videos and podcast - all aim to help you take control of your pension and build a better financial future.When investing, your capital is at risk.Guess what! As a Vault listener, you can get 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 Introduction to the Money Playbook00:46 Welcome to The Vault with Finance Child00:52 Casual Conversations and Tea Talk03:46 Hen Do Dilemmas and FinancialThe 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

Send us a text*just a note - we had the video and some audio files error post filming so you may hear a couple of glitches - so it's not perfect but we still wanted you to have the episode so we put it out anyway. Team Financielle xxxx*💸 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 answering your questions. Coming up in this episode:1️⃣ How do I talk about money to my friend if my salary is 3 times bigger than hers?2️⃣ How do I avoid the mum guilt for not being able to afford all the activities or take annual holidays with my kids?3️⃣ Do you keep your emergency fund in a cash isa or in a savings account?4️⃣ How do I convince my husband that a budget means we have money, not the opposite?5️⃣ I feel like I’m behind on my pension, how much should I have in my pension in early 30s?💬 Have a question or 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.Guess what! As a Vault listener, you can get 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  💸Check out The Money Playbook course here: [https://financielle.thinkific.com/courses/moneyplaybook] 💸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

Send us a textIn Episode 57 of The Vault, we discuss this week’s controversial opinion, “It’s absolutely fine to take your children out of school to go on holiday”. We then dive into our listener dilemmas:💸 "I feel like I’ve wasted my 20s and nearly my 30s”💸 ”Do I help my boyfriend get rid of his debt?”We celebrate this incredible win! 🎉 After being screwed over by her ex and left with £30k of debt at 23, she thought she had five more years to go. But with Financielle’s help, she’ll be debt-free in just 11 months! An amazing story of resilience and taking back control. 💪✨ #CommunityWin #DebtFreeIf 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 💌Guess what! As a Vault listener, you can get 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 Introduction and Exciting Announcement00:49 Seasonal Wardrobe Dilemmas05:09 Holiday Fines and School Absences16:16 Financial Regrets and Moving Forward23:17 Overcoming Debt: A Personal Journey24:15 Financial Independence: A New Beginning24:57 Lessons Learned: Protecting Yourself Financially25:51 Joint Financial Responsibility: Tips and Advice28:17 The Importance of Transparency in Relationships30:00 Emergency Savings and Financial Independence34:43 Navigating Financial Challenges in Relationships48:45 Conclusion: Taking Control of Your Financial FutureThe 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

Send us a text💸 Welcome to The Vault Unlocked – the bonus series of The Vault where we deep dive into the big money topics no one wants to talk about.Today, we’re tackling debt shame—and how it might be holding you back. If you’ve ever felt guilty, embarrassed, or even paralysed by the thought of your debt, you’re not alone. But here’s the truth: guilt doesn’t create better money habits—taking action does.In this episode, we’re breaking down:Why debt shame keeps so many people stuck in silence and stressThe vicious cycle of guilt, avoidance, and growing debtHow to shift your mindset and separate your self-worth from your financesThe power of talking about money—and why it’s time to break the taboo💬 Your challenge: Try bringing up money with one friend this week. You don’t have to share every detail—just start the conversation. You might be surprised at how freeing it feels.Want a safe space to talk about it? Join our community in the app. You’re not in this alone.💬 Have a topic you’d love us to unlock next? Email us at [email protected]👉 Subscribe to Financielle for real, honest conversations about money. It’s time to rewrite your money story.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

Send us a textIn Episode 56 of The Vault, we discuss this week’s controversial opinion, “The whole “personal finance is personal” thing is a cop-out — there are universal truths we should all follow”. We then dive into our listener dilemmas:💸 "Should I disclose my net worth?”💸 ”My kids are costing me the earth!”We celebrate a listener who for the first time EVER is ending the month with an excess! 💸✨ This is proof that budgeting can truly change your money story 🤑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 💌Guess what! As a Vault listener, you can get 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 Introduction to The Vault03:55 Personal Finance Debate08:34 Dating and Money Discussions16:43 Community Wins and Reflections17:48 Managing Monthly Expenses18:11 Allocating Excess Funds19:26 Emergency Fund Strategies20:36 Financial App Promotion21:15 Impulse Spending on Kids24:39 Strategies to Curb Spending34:22 Final Thoughts and 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

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 one of the UK’s biggest money obsessions: property investment. We’ve all heard that buying property is the ultimate way to build wealth—but is it really as easy (or profitable) as it seems?In this episode, we’re breaking down:Why property is seen as the wealth builder—and if that still holds true todayThe real costs of being a landlord (spoiler: it’s not just collecting rent)Whether flipping houses is as glamorous as it looks on TVHow you can invest in property without owning a single brickBy the end, you’ll know whether property investment is the right move for you—and exactly what you need in place before diving in.💬 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

Send us a textIn Episode 55 of The Vault, we discuss this week’s controversial opinion, “We should be doing all of our spending on credit cards”. We then dive into our listener dilemmas:💸 "I’m a London shopaholic in the trenches”💸 ”I’m in student loan HELL”We celebrate a listener who, after just a few weeks with Financielle, has completely shifted her mindset! She’s gone from overspending to feeling fiercely protective of her money. Now she’s chasing the buzz of saving instead 🤩 With payday around the corner, she’s excited for her first proper month of budgeting and building her emergency fund! 💸✨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 💌Guess what! As a Vault listener, you can get 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 Vault02:13 Controversial Opinions on Credit Cards03:15 Credit Card Spending Habits10:12 Work Expenses and Credit Card Use12:38 First Dilemma: Tackling Debt and Impulse Spending19:56 Making Financial Goals Fun20:12 The 48-Hour Rule and Sinking Funds21:13 Impulse Buying and Wardrobe Realities21:53 Reflecting on Impulse Purchases23:41 The Influence of Social Media on Spending25:02 Authentic Influencers and Fashion Content26:48 Community Wins and Financial Journeys28:51 Student Loan Struggles and Advice37:14 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

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 doing something different: answering your questions. We get SO many DMs, emails, and comments, and this is our chance to break them down. No question is too big, too small, or too awkward.In this episode:1️⃣ How do I convince my mum to get life insurance?2️⃣ Should I clear £6k of debt before buying a house?3️⃣ How does paying into my pension reduce my income tax?4️⃣ Should I pay off my HECS debt or save for a home closer to my son’s hospital?💬 Have a question or 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.Guess what! As a Vault listener, you can get 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  💸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

Send us a text#AD We’ve got a special episode for you as part of our Legacy Week at Financielle. We’re encouraging you to get your protection life admin sorted. We’re talking wills, life insurance, critical illness cover, etc. Laura shares a difficult personal story about a dear friend, in the hope of inspiring some of the millions of people without a will to make one and ensure their wishes are followed. ❤️We’re also answering these listener dilemmas:💸 "I can’t afford life insurance”💸 "My husband won’t pay for my life insurance”We celebrate a listener joining the Financielle community, who’s glad to have a safe space to share encouragement, goals, and successes with people who get it! 🥰Your Life Admin Checklist ✅Write or update your will ✍️ → Get a free will here* ✨ (Available until 31st March, 2025)Look into life insurance 💙 → Get a quote here Look into critical illness cover 🏥 → Get a quote here *🐙Thank you to our partner Octopus Legacy for sponsoring this special edition episode as part of our Legacy Week. The cost of the will is covered by Octopus Legacy & their charity partners. Many people choose to leave a gift to charity in their will as a thank-you, but this isn’t required to claim the offer. 🛡️If you’re looking for the right kind of protection, click here to get a quote from our friends at Lifesearch. From Life insurance, Critical illness cover to Income protection there’s cover suitable for everyone.Resources 👇Research Warns of Inheritance Risks in Blended FamiliesNearly Half of UK Adults Don’t Have Up To Date WillWomen’s Life Insurance InfographicIf you’d like 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

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 a huge financial blind spot—protection. We all focus on making money, saving money, and investing money… but what about protecting it? Because the truth is, no matter how well you plan, life can throw curveballs—illness, job loss, or worse.So, let’s break it down:Do you really need life insurance if you don’t have kids?What happens if you’re self-employed and suddenly can’t work?How do you make sure an illness doesn’t wipe out years of money progress?By the end of this episode, you’ll know exactly what cover is worth having, how much you actually need, and why now is the best time to sort it.🐙Thank you to our partner Octopus Legacy for sponsoring this special edition episode as part of our Legacy Week.You can claim your free will by clicking here (Available until 31st March, 2025). The cost of the will is covered by Octopus Legacy & their charity partners. Many people choose to leave a gift to charity in their will as a thank-you, but this isn’t required to claim the offer.🛡If you’re looking for the right kind of protection, click here to get a quote from our friends at Lifesearch. From Life insurance, Critical illness cover and income protection there’s cover suitable for everyoneThe 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