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In Episode 52 of The Vault, we discuss this week’s controversial opinion, “People are too obsessed with retirement” before diving into our listener dilemmas:

💸 "My car finance journey was NEARLY over”

💸 "Do I really need a financial advisor for my pension?”

We celebrate a listener paying off her credit card, gaining confidence with her money and booking a dream trip to Sicily - completely within budget and without any financial stress! Brava! 🇮🇹🍕🍝

If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com

Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌

As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook. This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULT

Check out The Money Playbook course here 💸

Chapters:

00:00 Introduction
01:52 The Babycino Incident
11:32 Controversial Opinions on Retirement
20:05 Dilemma: Car Finance Journey
22:37 Understanding Balloon Payments and Car Value
22:50 Insurance Settlements and Finance Payments
25:10 Emergency Savings and Financial Security
25:39 The Importance of Emergency Funds
26:33 Car Finance and Financial Freedom
33:21 Community Wins and Financial Success
38:08 Setting Up a Pension for Business Owners
44:30 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
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▶︎ LinkedIn

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💸 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 getting into something that trips so many people up: managing your money when your income isn’t predictable.

Whether you’re fully self-employed, freelancing on the side, or working on commission, this episode is for you. We’re answering the big questions:

• How do you pay yourself consistently when some months are booming and others are quiet?
• How do you stay on top of taxes when there’s no one doing it for you?
• How do you make sure you’re actually making money—not just working endlessly and hoping for the best?

By the end of this episode, you’ll have a clear game plan for managing a fluctuating income—without the stress.

💬 Have a topic you’d love us to unlock next? Email us at thevault@financielle.com

👉 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
▶︎ 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 51 of The Vault, we discuss this week’s controversial opinion, “Pink Tax isn’t real” before diving into our listener dilemmas:

💸 "Should I pay off my student loan or save for a house?”

💸 "Should I be paying towards my husband’s mortgage?”

We celebrate a listener’s incredible win of paying off her £1039 credit card balance and committing to cancelling it for good! Despite feeling a bit nervous, she’s set a solid budget and feels confident in her decision. This is a huge step for her and her husband in getting their money sh*t together after the challenges of buying and renovating a house. 🎉

If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com

Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌

As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook. This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULT

Check out The Money Playbook course here 💸

Chapters:
00:00 Introduction
01:14 Community Dilemmas and Advice
02:50 Financial Independence and Relationship Dynamics
08:21 Pink Tax and Gender Pricing
16:13 Chopping the Top Layer Off
16:22 Dilemma: Student Loan or Save for a House?
17:01 Understanding Student Loans and Interest
18:24 Navigating Student Loan Repayments
25:31 Community Wins: Cutting Up Credit Cards
26:53 Should I Pay Towards My Husband's Mortgage?
32:28 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