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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:

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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

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 impulse spending—because let’s be real, we’ve all been there. That late-night scroll, the dopamine rush of hitting “buy,” and the regret that follows when you check your bank balance. But impulse spending isn’t just about willpower—it’s psychological, emotional, and even designed to happen.

Here’s what we’re unlocking in this episode:

• Why impulse spending happens (hint: it’s not just bad self-control)
• The brain’s reward system and how companies exploit it to make you spend more
• How retail therapy became glamorized—and why it’s so hard to break the cycle
• The real cost of impulse spending (it’s more than just money)
• Proven strategies to take back control, from no-spend challenges to sinking funds

This episode will help you break the habit, keep more money in your pocket, and spend intentionally—without feeling deprived.

💬 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 50 of The Vault, we discuss this week’s controversial opinion, “Valentine’s Day is a scam” before diving into our listener dilemmas:

💸 "Should we get married for practical reasons?”

💸 "We’re mortgage-free! What should we do with our new excess?”

We celebrate a listener who can’t wait to create their budget with a mortgage payment, after buying her first house as a solo buyer! What an amazing achievement! 😍🏠

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
00:44 Welcome to The Vault
00:52 Birthday Shoutouts
06:15 Valentine's Day: Love it or Hate it?
16:19 Managing Money in Long-Term Relationships
17:40 Marriage for Practical Reasons
20:24 Financial Contributions and Asset Building
30:28 Emergency Funds and Investment Strategies
32:05 Retirement Planning and Diversification
40:05 Modelling Financial Scenarios
43:08 Final Thoughts and Advice

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 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 **investing**—and no, it’s not just for the wealthy or finance experts. Investing is for everyone, no matter where you’re starting from, and today, we’re showing you how simple it can be.

Here’s what we’re unlocking in this episode:

- What investing really is—and why it’s easier than you think
- Why you’re probably already investing (without even knowing it!)
- The top reasons why investing is crucial for your financial future
- How to know when you’re ready to start and how much to invest
- A breakdown of pre- and post-retirement investing strategies for building wealth
- Practical tips on how to start investing in simple, actionable ways

Plus, we’re sharing a community story from Tolu, who has been on an incredible money journey and loves supporting others through theirs too!

This episode will empower you to stop overthinking investing and get started on your path to financial freedom.

💬 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 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 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
00:46 Welcome to The Vault Podcast
03:22 Controversial Opinion: Wealth Building in Your Twenties
05:08 The Power of Compound Interest
13:14 Retirement Planning Dilemma
22:27 Community Win: Overcoming Debt
23:11 Popcorn and Cinema Hacks
24:35 Bank Switching Success Stories
26:25 Emergency Funds and Financial Hacks
31:03 High Earner Dilemma: Spending Guilt
38:46 Budgeting Tips 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

💸 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 income
• The assets that matter most—and why not all assets are created equal
• Common misconceptions about net worth, including why even a negative number is worth tracking
• How to calculate your net worth in four simple steps and use it to grow

Plus, 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 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