Don't Depend On Daddy

• 127. Fall State of the Union: What's In & Out For Me This Fall

  Welcome back to Don’t Depend on Daddy! In this episode, I’m sharing my Fall 2025 Ins & Outs—from routines and money habits to cozy lifestyle swaps. These episodes are some of my favorites to record, and I’d love to hear what’s on your ins and outs list this season. 🍂We’ll cover:👉🏻 My take on pumpkin spice & fall overconsumption👉🏻 Why I’m ditching the “great lock-in” hustle mindset👉🏻 The small changes that are making my fall feel more intentional👉🏻 What’s making life cozier and more aligned this seasonTIMESTAMPS: 00:00 – Intro & Fall State of the Union01:00 – Housekeeping + finance tools I use03:00 – Rent vs. Buy calculator update05:00 – Why these ins & outs are just for fun05:30 – Outs: Pumpkin spice, fall overconsumption, football, & “great lock-in” hustle13:30 – In: Coworking spaces & community16:00 – In: Fall baking & cooking17:30 – In: Pilates & movement18:30 – In: Jewel tones, Beyond Yoga sets & cozy athleisure23:30 – Hot coffee mornings + LA back in the mixBREAK YOUR BUDGET RESOURCES:💸 Personal Finance Dashboard:https://breakyourbudget.com/personal-finance-dashboard💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template💸 FI/RE Template: https://breakyourbudget.com/fire-template💸 NEW RENT VS. BUY CALCULATORhttps://breakyourbudget.com/rent-vs-buy-calculatorALL THE ACCOUNTS/ TOOLS I USE:💸 www.breakyourbudget.com/toolkit✅ Subscribe to Break Your Budget Weekly: https://breakyourbudget.com/newsletter📖 My Books: https://breakyourbudget.com/book👩🏼‍💻 Task Management System + Promotion Template:https://breakyourbudget.com/own-your-career-templateFREE DOWNLOADS:💸 Recession Guide: https://breakyourbudget.com/recession-guide✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kitAll Other Resources: https://breakyourbudget.com/links👩🏼‍💻 Inquiries: [email protected]📸 Instagram: https://www.instagram.com/breakyourbudget/📲 Tiktok: https://www.tiktok.com/@breakyourbudget📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa💸 Break Your Budget LTK: https://www.shopltk.com/explore/MichelaAllocca/

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• 126. How to Travel More, for Less: Credit Card Points, Saver Fares, Positioning Flights & More!

  Want to learn how to fly around the world without draining your bank account? In this episode, I sit down with my friend Benny—my go-to travel expert—to talk about travel hacking, maximizing credit card points, and finding the best flight deals. ✈️ We cover everything from travel misconceptions and saver award flights to what to do when your flight gets delayed. Whether you’re planning a big international trip or just looking for ways to save on flights, you’ll walk away with practical tips to make travel more affordable.👉 Inside this episode:-How to let travel deals “come to you”-Tools & services Benny uses for cheap flights-Positioning flights and why they can save you thousands-What to do when your flight is delayed or canceled-Best credit cards for travelers and if premium cards are worth it-Benny’s favorite destinations and airlines for points redemptionsCONNECT WITH BENNY: https://www.instagram.com/bennyfilloWHAT'S IN BENNY'S WALLET:AmEx PlatinumAmEx GoldChase Sapphire ReserveChase Freedom UnlimitedCapital One TravelRakuten (for AmEx points)AutoPilot (flight price tracker)Other Episode with BennyMy Credit Cards: www.breakyourbudget.com/toolkitTIMESTAMPS: 0:00 – Welcome & episode intro1:00 – Housekeeping & BYB financial tools3:00 – Travel hacking 101: misconceptions & flexibility7:00 – Tools for cheap flights: Google Flights, Going, Thrifty Traveler10:30 – Business class on points & saver rates explained15:00 – Planning a trip with points (flights vs hotels)20:00 – Positioning flights: why they can save you $$$23:00 – What to do when flights are delayed or canceled31:00 – Travel credit cards: Amex Platinum vs Chase Reserve41:00 – Benny’s favorite airlines, destinations & best redemptionsBREAK YOUR BUDGET RESOURCES:💸 Personal Finance Dashboard:https://breakyourbudget.com/personal-finance-dashboard💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template💸 NEW FI/RE Template: https://breakyourbudget.com/fire-template✅ Subscribe to Break Your Budget Weekly: https://breakyourbudget.com/newsletter📖 My Books: https://breakyourbudget.com/book👩🏼‍💻 Task Management System + Promotion Template:https://breakyourbudget.com/own-your-career-templateFREE DOWNLOADS:💸 Recession Guide: https://breakyourbudget.com/recession-guide✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kitAll Other Resources: https://breakyourbudget.com/links👩🏼‍💻 Inquiries: [email protected]📸 Instagram: https://www.instagram.com/breakyourbudget/📲 Tiktok: https://www.tiktok.com/@breakyourbudget📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa💸 Break Your Budget LTK: https://www.shopltk.com/explore/MichelaAllocca/

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• 125. Your Job Doesn’t Have to Be Your Passion (5 Career Lessons I Wish I Knew Sooner)

  In this episode of Don’t Depend on Daddy, I’m sharing the biggest career lessons I learned in my 20s—the hard truths, mistakes, and mindset shifts that shaped my path from corporate finance to running my own business. If you’ve ever felt stuck in your job, pressured to find your “dream career,” or unsure of what comes next, this episode will give you the perspective (and tough love) you need.✨ What you’ll learn:👉🏻 My full career journey: from finance jobs to building Break Your Budget👉🏻 Why your job doesn’t need to be your passion👉🏻 How to stop overthinking and start taking action👉🏻 Why small, consistent moves beat big, dramatic changes👉🏻 The importance of building a life outside of workWhether you’re in your early career or thinking about a pivot, these lessons will help you feel more confident navigating your professional path.TIMESTAMPS:00:00 – Intro & housekeeping03:00 – Quick overview of my career journey05:00 – The early jobs I hated & what they taught me08:00 – Starting Break Your Budget as a side hustle12:00 – Quitting corporate to go full-time on my business14:00 – Career Lesson 1: Anything worth doing looks crazy at the start20:00 – Career Lesson 2: Your job doesn’t have to be your passion25:00 – Career Lesson 3: Wonder less, do more (stop overthinking)30:00 – Career Lesson 4: Focus on small improvements, not huge leaps34:00 – Career Lesson 5: Build a life outside of workBREAK YOUR BUDGET RESOURCES:💸 Personal Finance Dashboard:https://breakyourbudget.com/personal-finance-dashboard💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template💸 NEW FI/RE Template: https://breakyourbudget.com/fire-template✅ Subscribe to Break Your Budget Weekly: https://breakyourbudget.com/newsletter📖 My Books: https://breakyourbudget.com/book👩🏼‍💻 Task Management System + Promotion Template:https://breakyourbudget.com/own-your-career-templateFREE DOWNLOADS:💸 Recession Guide: https://breakyourbudget.com/recession-guide✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kitAll Other Resources: https://breakyourbudget.com/links👩🏼‍💻 Inquiries: [email protected]📸 Instagram: https://www.instagram.com/breakyourbudget/📲 Tiktok: https://www.tiktok.com/@breakyourbudget📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa💸 Break Your Budget LTK: https://www.shopltk.com/explore/MichelaAllocca/

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• 124. Entering My Prime: Building Confidence, Career & Lifestyle in My 30s

  I just turned 30, and in this episode of Don’t Depend on Daddy I’m sharing how I’m elevating my life, money, career, and personal routines in this new decade. Your 20s are full of pressure — land your dream job, save $100K, get married, buy a house. But what happens when you don’t check every box before 30? The truth is, your 30s are the beginning of your prime. This video breaks down the financial habits, career moves, and lifestyle upgrades that I’m making as I step into this chapter.✨ What you’ll learn:👉🏻 Why your 30s are NOT the finish line — they’re the foundation for what’s next👉🏻 The money basics you need in place by 30 (budget, savings, FI planning)👉🏻 Career shifts, work-life balance, and building something sustainable👉🏻 Personal upgrades in skincare, style, friendships, and hobbies👉🏻 How I’m approaching fitness, wellness, and building a lifestyle I loveWhether you’re in your late 20s, early 30s, or just curious about this phase of life, this video will give you perspective, reassurance, and tactical ideas for creating an elevated life.TIMESTAMPS: 00:00 – Intro: Why I’m talking about life in my 30s03:00 – Your 30s are the start of your prime, not the finish line07:00 – Money basics to have in place by 3009:00 – Financial independence planning & knowing your numbers13:00 – Property goals & creating a loose game plan15:00 – Spending intentionally vs. random habits17:00 – Career focus: hitting your stride & finding stability20:00 – Redefining work-life balance as life-work balance26:00 – Personal upgrades: skincare, style & lifestyle habits34:00 – Friendships, hobbies, fitness & embracing this decadeBREAK YOUR BUDGET RESOURCES:💸 Personal Finance Dashboard:https://breakyourbudget.com/personal-finance-dashboard💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template💸 NEW FI/RE Template: https://breakyourbudget.com/fire-template✅ Subscribe to Break Your Budget Weekly: https://breakyourbudget.com/newsletter📖 My Books: https://breakyourbudget.com/book👩🏼‍💻 Task Management System + Promotion Template:https://breakyourbudget.com/own-your-career-templateFREE DOWNLOADS:💸 Recession Guide: https://breakyourbudget.com/recession-guide✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kitAll Other Resources: https://breakyourbudget.com/links👩🏼‍💻 Inquiries: [email protected]📸 Instagram: https://www.instagram.com/breakyourbudget/📲 Tiktok: https://www.tiktok.com/@breakyourbudget📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa💸 Break Your Budget LTK: https://www.shopltk.com/explore/MichelaAllocca/

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• 123. The Low-Effort Style Habits to Look & Feel More Put Together (on a budget)

  In this episode, I’m breaking down simple, low-effort ways to look and feel more put together—without spending hours getting ready or blowing your budget. These “lazy girl hacks” are about elevating your daily routine through small tweaks that actually stick.We’re talking beauty shortcuts, styling upgrades, and everyday luxuries that build confidence, boost your self-esteem, and help you show up as your best self—whether you’re working from home, dating, or navigating your 30s with intention.💄 Topics covered:Beauty routines that don’t require tons of timeOutfit and accessory tips to instantly elevate your lookThe difference between effort and time (and how to balance both)My current go-to products, from hair brushes to eye patches⏱️ Timestamps:00:00 – Intro + why feeling put together actually matters01:00 – Budgeting tools plug (PFD, Fire Planner, etc.)03:00 – The mindset shift: effort ≠ time05:00 – Beauty tweaks that require minimal time but major impact10:00 – Hair, skincare, lip gloss & perfume = effortless upgrade16:00 – Eye patches, whitening mouthwash & glow hacks20:00 – Styling tips: bags, jewelry, and outfit details that elevate24:00 – My 3-bag collection and how I rotate them27:00 – Staple accessories: 2 earrings, 2 bracelets, 2 necklaces34:00 – Everyday luxuries: ice rollers, toiletry bags & Pinterest inspoBREAK YOUR BUDGET RESOURCES:💸 Personal Finance Dashboard:https://breakyourbudget.com/personal-finance-dashboard💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template💸 NEW FI/RE Template: https://breakyourbudget.com/fire-template✅ Subscribe to Break Your Budget Weekly: https://breakyourbudget.com/newsletter📖 My Books: https://breakyourbudget.com/book👩🏼‍💻 Task Management System + Promotion Template:https://breakyourbudget.com/own-your-career-templateFREE DOWNLOADS:💸 Recession Guide: https://breakyourbudget.com/recession-guide✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kitAll Other Resources: https://breakyourbudget.com/links👩🏼‍💻 Inquiries: [email protected]📸 Instagram: https://www.instagram.com/breakyourbudget/📲 Tiktok: https://www.tiktok.com/@breakyourbudget📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa💸 Break Your Budget LTK: https://www.shopltk.com/explore/MichelaAllocca/

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