In this annual State of the Union episode, I’m sharing what’s officially in and out for me in 2026 - from habits and routines to mindset shifts, consumption patterns, and how I want my life to feel going into the new year. We talk about de-centering excessive scrolling, refining consumption, prioritizing sleep and mental health, and leaning harder into hobbies, creativity, and long-form content. I also share the wellness routines, lifestyle shifts, and creators that are inspiring me right now as I move into a slower, more intentional season.
This episode is less about resolutions and more about direction — what I’m choosing to give energy to, and what I’m consciously letting go of.
🎧 Topics include:
👉🏻 My 2026 “outs” (habits, patterns, and energy drains)
👉🏻 My 2026 “ins” (routines, hobbies, wellness, and creativity)
👉🏻 De-centering scrolling, drinking, and over-committing
👉🏻 Sleep hygiene, mental health, and early mornings
👉🏻 Analog hobbies, classes, and learning for joy
👉🏻 Creators I’ve been loving lately (on IG/TT)
@glowwithella , @thewellnessprocesspod , @beccahimsworth , @gabrielleaihara , @kayliestewart, @plantbasedbaby
Subscribe to Beyond Your Budget:
https://breakyourbudget.substack.com/
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
💳 Tools + Cards I Use:
Rakuten Cash Back: https://shorturl.at/w0PcH
SoFi HYSA: https://wealthlink.me/michela-sofi-hysa
AmEx Platinum: https://tinyurl.com/mpf7u7uy
Bilt Rewards: https://tinyurl.com/4kd8s33a
Blue Cash Everyday: https://tinyurl.com/yrcbr2ac
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 Instagram: https://www.instagram.com/breakyourbudget/
📲 Tiktok: https://www.tiktok.com/@breakyourbudget
📸 Instagram: https://www.instagram.com/michela_alloccaa
💸 My ShopMy:
https://shopmy.us/shop/michelaallocca
TIMESTAMPS:
0:00 – Welcome + 2026 State of the Union overview
2:30 – Gratitude, podcast growth, and leaning into long-form content
5:15 – OUT: Excessive scrolling and low-value TikTok consumption
8:45 – OUT: Drinking culture, over-committing, and overworking
12:30 – OUT: Overconsumption and low-quality spending habits
16:00 – OUT: Anxiety patterns, late nights, and decentering dating
20:30 – IN: Elevated casual living and daily luxuries
23:45 – IN: Tea rituals, bricking my phone, and analog hobbies
27:15 – IN: Early mornings, reading, sauna, and wellness routines
30:00 – Creators I’ve been loving + closing thoughts for 2026
We're walking through my favorite purchases from 2025 - both items and experiences - and reflecting on what they reveal about my consumption habits, priorities, and values. We talk through everything from wardrobe upgrades and wellness investments to the things that didn’t stand out as much as I expected (and why that matters). I also share how I’m approaching a January no-buy, the spending rules I’m carrying into 2026, and how I’m shifting from constant curation toward intentional refinement.
🎧 Topics include:
👉🏻 My favorite purchases and experiences from 2025
👉🏻 Why most purchases fade into the background faster than we expect
👉🏻 Buy less, buy better - what worked and what didn’t
👉🏻 January no-buy intentions
👉🏻 Consumption rules for clothes, beauty, and home in 2026
Subscribe to Beyond Your Budget:
https://breakyourbudget.substack.com/
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
💳 Tools + Cards I Use:
Rakuten Cash Back: https://shorturl.at/w0PcH
SoFi HYSA: https://wealthlink.me/michela-sofi-hysa
AmEx Platinum: https://tinyurl.com/mpf7u7uy
Bilt Rewards: https://tinyurl.com/4kd8s33a
Blue Cash Everyday: https://tinyurl.com/yrcbr2ac
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 Instagram: https://www.instagram.com/breakyourbudget/
📲 Tiktok: https://www.tiktok.com/@breakyourbudget
📸 Instagram: https://www.instagram.com/michela_alloccaa
💸 My ShopMy:
https://shopmy.us/shop/michelaallocca
TIMESTAMPS:
0:00 – Welcome to Don’t Depend On Daddy + what this episode covers
3:00 – Why my favorite purchases didn’t immediately stand out
6:45 – What my long-term “favorite purchases” reveal about consumerism
10:15 – January no-buy + why I’m focusing on refinement in 2026
14:00 – Favorite purchase: The Brick and breaking phone habits
18:30 – Favorite wardrobe investment: a long-term everyday bag
24:45 – Winter upgrades: coats, cold weather, and buying the right gear
30:30 – Experiences worth the money: Pilates and tennis lessons
36:15 – Kitchen + wellness favorites (knives, Oura Ring, skincare standouts)
44:30 – My 2026 consumption rules: clothes, beauty, home
I’ve been wearing an Oura Ring for a few months now, and after countless questions about it I am finally sharing my full, honest review. In this episode of Don’t Depend On Daddy, I break down why I switched from traditional fitness trackers to the Oura Ring, how it’s impacted my sleep, stress, anxiety, routines, and overall wellness, and who I truly think this device is (and is not) for.
This is not a sponsored review - just my real experience using Oura as someone who values intentional living, routine, and long-term health. We talk sleep hygiene, readiness scores, stress and HRV, cycle tracking, behavior change, and how understanding your body can completely change how you show up in your life. If you’ve been considering the Oura Ring and want a wellness-focused perspective rather than a fitness-obsessed one, this episode is for you.
Subscribe to Beyond Your Budget:
https://breakyourbudget.substack.com/
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
💳 Tools + Cards I Use:
Rakuten Cash Back: https://shorturl.at/w0PcH
SoFi HYSA: https://wealthlink.me/michela-sofi-hysa
AmEx Platinum: https://tinyurl.com/mpf7u7uy
Bilt Rewards: https://tinyurl.com/4kd8s33a
Blue Cash Everyday: https://tinyurl.com/yrcbr2ac
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 Instagram: https://www.instagram.com/breakyourbudget/
📲 Tiktok: https://www.tiktok.com/@breakyourbudget
📸 Instagram: https://www.instagram.com/michela_alloccaa
💸 My ShopMy:
https://shopmy.us/shop/michelaallocca
TIMESTAMPS:
00:00 – Intro and why this Oura Ring review was so requested
04:12 – Why traditional fitness trackers never worked for me
08:35 – Wellness-first vs fitness-first wearables
12:10 – How Oura changed my sleep habits and sleep quality
17:45 – My full sleep hygiene routine and what actually helped
23:05 – Stress, HRV, and what I learned about my anxiety
27:40 – How Oura influences workouts, recovery, and rest
31:50 – Cycle tracking and understanding monthly energy shifts
35:45 – Why Oura changed my daily routines and behavior
40:10 – Final thoughts: who the Oura Ring is really worth it for
Today’s episode is all about your winter everyday luxuries - I’m sharing my favorite winter products, cozy rituals, and elevated habits that make the cold months feel intentional rather than chaotic. From the exact robe + slippers combo I swear by to slow morning rituals, tea routines, skincare updates, sauna sessions, indoor hobbies, and more - this is your blueprint to feeling warm, grounded, and pulled-together all winter long.
If you’re craving structure, inspiration, or a full Winter Arc Guide, let me know in the comments so I can build it into a future episode!
TIMESTAMPS:
00:00 Introduction to the Winter Arc
00:44 Why I’m Pro-Winter Arc (and Anti Great Lock-In)
02:18 How Chicago Changed My Relationship with Seasons
04:40 Gear That Makes Winter Actually Enjoyable
06:04 My Everyday Luxury Products (Lotions, Robes, Slippers)
09:55 Pajama Sets, Loungewear & Feeling “Put Together” at Home
13:50 Humidifier Season + Skincare Saving Tips
15:58 My Favorite Winter Clothing Upgrades (Gloves, Sweatsuits, Wool Socks)
20:55 Cozy Winter Routines: Slow Mornings, Tea Era, Sauna Time
26:40 Indoor Hobbies, Self-Care Rituals & Embracing the Season
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
💳 Tools + Cards I Use:
Rakuten Cash Back: https://shorturl.at/w0PcH
SoFi HYSA: https://wealthlink.me/michela-sofi-hysa
AmEx Platinum: https://tinyurl.com/mpf7u7uy
Bilt Rewards: https://tinyurl.com/4kd8s33a
Blue Cash Everyday: https://tinyurl.com/yrcbr2ac
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
💸 My ShopMy:
https://shopmy.us/shop/michelaallocca
In this episode of Don’t Depend on Daddy, I’m sharing my wardrobe staples and the shopping lessons I learned in 2025 after simplifying my closet, upgrading my style, and finally finding pieces that last.
I’ll walk you through:
👉🏻 The 3 wardrobe categories that keep my closet organized
👉🏻 Elevated basics worth investing in
👉🏻 Seasonal anchors that carry you through every season
👉🏻 Signature pieces that make your style yours
👉🏻 My top shopping lessons that will save you money and elevate your wardrobe
Whether you’re building a capsule closet or just want to stop impulse shopping, this episode will help you build a wardrobe you love - with intention!
Shop My Favorites: https://shopmy.us/shop/michelaallocca?
TIMESTAMPS:
00:00 – Intro + Why I’m updating my wardrobe staples
02:45 – Buying less but better: my 2025 shopping evolution
05:30 – The 3 wardrobe categories that simplified my closet
09:10 – Elevated basics I wear on repeat (and why)
17:40 – My favorite jeans + the truth about tailoring
25:00 – Sweaters, sweats, and loungewear worth the splurge
33:00 – Why I don’t shame spending on clothes that make you feel good
36:00 – Seasonal anchors: coats, knits, and classic pieces that last
41:30 – Signature style pieces that define your personal look
44:00 – 5 shopping lessons I learned this year (that changed everything)
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
💳 Tools + Cards I Use:
Rakuten Cash Back: https://shorturl.at/w0PcH
SoFi HYSA: https://wealthlink.me/michela-sofi-hysa
AmEx Platinum: https://tinyurl.com/mpf7u7uy
Bilt Rewards: https://tinyurl.com/4kd8s33a
Blue Cash Everyday: https://tinyurl.com/yrcbr2ac
✅ 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
💸 My ShopMy:
https://shopmy.us/shop/michelaallocca
Holiday travel can throw your routines completely off - new environments, disrupted sleep, different food, and nonstop social time. In this episode, I’m walking you through what I call my “travel menu” - the small rituals, habits, and routines that help me feel grounded, energized, and like myself even when I’m away from home. You’ll hear how I approach sleep, morning routines, food, movement, and self-care during trips, plus the mindset shift that’s helped me stop abandoning my habits every time I travel.
In this episode:
👉🏻 What a “travel menu” is and how to build your own
👉🏻 How to regulate sleep in new environments
👉🏻 My morning anchors that keep me feeling normal
👉🏻 Food & fitness swaps I make when traveling
👉🏻 Travel-friendly self-care + beauty routines
BLACK FRIDAY SALE + CODE: Expires Dec 1 2025 at 11:59PMCODE: BFSALE2025PFD7.0: https://breakyourbudget.com/personal-finance-dashboardFIRE Planner: https://breakyourbudget.com/fire-templateBasic Budget Template: https://breakyourbudget.com/basic-budgeting-template
Timestamps:
00:00 – Intro + Holiday Update
02:00 – Why Traveling Disrupts Routines
04:00 – The Idea Behind My “Travel Menu”
06:30 – How to Stay Grounded During the Holidays
08:00 – Sleep & Rest Rituals (My Non-Negotiables)
10:00 – Morning Routine Anchors That Keep Me Centered
13:00 – How I Approach Food & Movement While Traveling
17:00 – My Minimalist Travel Skincare & Beauty Routine
20:00 – What’s in My Travel Kit (Hair, Skin, and Body Essentials)
23:00 – Building Your Own Travel Menu
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
💳 Tools + Cards I Use:
Rakuten Cash Back: https://shorturl.at/w0PcH
SoFi HYSA: https://wealthlink.me/michela-sofi-hysa
AmEx Platinum: https://tinyurl.com/mpf7u7uy
Bilt Rewards: https://tinyurl.com/4kd8s33a
Blue Cash Everyday: https://tinyurl.com/yrcbr2ac
✅ 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
💸 My ShopMy:
https://shopmy.us/shop/michelaallocca
In this episode, I’m answering all your career questions - from how to leave your corporate job and start freelancing, to building your network without feeling fake, to what to do if you’ve been laid off. I’ll share my realistic advice on how long it actually takes to leave corporate, what it means to become work optional, and how to use your current skill set to build a business or side hustle that can eventually replace your 9-5 income. If you’ve been feeling stuck, unmotivated, or unsure how to pivot your career - this episode is for you.
In this episode:
👉🏻 How to plan your exit from corporate (and what timeline to expect)
👉🏻 3 realistic career paths: FIRE, business building, or hybrid work
👉🏻 How to build a network that feels genuine, not forced
👉🏻 Steps to get started with freelancing or consulting
👉🏻 What to do financially if you’re laid off
RESOURCES MENTIONED:
Own Your Career Book: https://breakyourbudget.com/oyc-book
Task-Tracking Template: https://breakyourbudget.com/own-your-career-template
Content Episode 121: https://www.youtube.com/watch?v=uecOx_bYdrM&t=18s
Previous Career Q+A: https://www.youtube.com/watch?v=3On36jpLuEk
Timestamps:
00:00 – Intro + Welcome Back
02:00 – How I Built My Business Before Leaving Corporate
05:30 – The 3 Realistic Paths to Leave Corporate
09:00 – How to Calculate Your FIRE Numbers
12:00 – How to Start a Business or Freelance While Working Full-Time
16:00 – Hybrid Work Options & Redefining Success
17:00 – Networking Tips That Don’t Feel Fake or Forced
21:00 – Task Management System for Corporate Success
25:00 – What to Do If You Feel Stuck or Lost in Your Career
30:00 – Financial Steps to Take After a Layoff
35:00 – How to Start Freelancing or Consulting (Step-by-Step)
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
💳 Tools + Cards I Use:
Rakuten Cash Back: https://shorturl.at/w0PcH
SoFi HYSA: https://wealthlink.me/michela-sofi-hysa
AmEx Platinum: https://tinyurl.com/mpf7u7uy
Bilt Rewards: https://tinyurl.com/4kd8s33a
Blue Cash Everyday: https://tinyurl.com/yrcbr2ac
✅ 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
💸 My ShopMy:
https://shopmy.us/shop/michelaallocca
The colder months can seriously impact your motivation, mood, and energy - but they don’t have to. In this episode, I’m sharing how to shift your routines for winter so you can stay productive, energized, and emotionally grounded, even when it’s dark and cold outside. We’ll talk about what actually happens to your dopamine and circadian rhythm during the winter, and how to build practical micro-routines that keep your mood high and your habits consistent.
In this episode:
👉🏻 The science behind why winter affects your dopamine
👉🏻 How to build better morning and night routines for darker days
👉🏻 My go-to winter wellness rituals (movement, light exposure, and self-care)
👉🏻 Dopamine-boosting habits that actually stick
👉🏻 How I’m shifting my daily structure this season
🧠 Listen for: tactical, science-backed, and realistic changes you can make now to feel better all winter
Timestamps:
00:00 – Intro + Housekeeping
03:30 – Why Winter Impacts Motivation & Mood
05:00 – How Dopamine and Serotonin Drop in Colder Months
07:30 – Circadian Rhythm Disruption Explained
09:00 – Why We Seek Quick Dopamine Fixes in Winter
11:00 – How to Regulate Dopamine Naturally
12:00 – Light Exposure Tips (and Why They Matter)
15:00 – Winter Movement & Workout Adjustments
20:00 – Building Routine Anchors for Structure
25:00 – Everyday Dopamine Boosters + Micro Habits
30:00 – How I’m Shifting My Routine for Winter
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
💳 Tools + Cards I Use:
Rakuten Cash Back: https://shorturl.at/w0PcH
SoFi HYSA: https://wealthlink.me/michela-sofi-hysa
AmEx Platinum: https://tinyurl.com/mpf7u7uy
Bilt Rewards: https://tinyurl.com/4kd8s33a
Blue Cash Everyday: https://tinyurl.com/yrcbr2ac
✅ 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
💸 My ShopMy:
https://shopmy.us/shop/michelaallocca
In this episode of Don't Depend on Daddy, I’m breaking down my entire food philosophy - from how I transitioned from being vegan for 9 years to reintroducing fish, to exactly how I plan, prep, and budget my meals each week. I’ll walk through my 3-2-1 grocery system, how I approach meal prepping without wasting food, and what I actually eat in a typical week as someone who values both health and balance. If you’re trying to eat healthy, save money on groceries, and stop feeling overwhelmed by meal prep - this one’s for you.
Listen for:
👉🏻 My plant-based to pescatarian transition
👉🏻 How I plan 3 dinners, 2 lunches, and 1 breakfast each week
👉🏻 Grocery budgeting tips and being an “ingredient household”
👉🏻 Why I make most of my food (and bread!) from scratch
Grocery Youtube Video: https://www.youtube.com/watch?v=m1a3rqUKf2o&t=92s
TIMESTAMPS:
00:00 – Intro + Welcome Back
01:30 – Why I’m Talking About My Food Philosophy
04:00 – My Journey: From Vegan to Vegetarian (with Fish)
07:30 – Why I Initially Went Plant-Based
10:00 – The Health & Skin Benefits I Experienced
12:30 – Reintroducing Fish + My Thought Process
16:00 – Current Eating Habits & Mental Health Improvements
19:00 – My 3-2-1 Meal Planning Framework
24:00 – Grocery Shopping Routine + Where I Shop
30:00 – Why I Make Everything from Scratch (Becoming an Ingredient Household)
36:00 – Final Thoughts + Lessons Learned
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
💳 Tools + Cards I Use:
Rakuten Cash Back: https://shorturl.at/w0PcH
SoFi HYSA: https://wealthlink.me/michela-sofi-hysa
AmEx Platinum: https://tinyurl.com/mpf7u7uy
Bilt Rewards: https://tinyurl.com/4kd8s33a
Blue Cash Everyday: https://tinyurl.com/yrcbr2ac
✅ 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
💸 My ShopMy:
https://shopmy.us/shop/michelaallocca
In this episode of Don’t Depend on Daddy, we dive into the neuroscience of dopamine and how influencer culture rewires our brains for constant desire. From endless scrolling to impulse shopping, we explore the slot machine psychology behind why we crave novelty, how social proof keeps us stuck in the loop, and what it really takes to break free.
You’ll learn:
👉🏻 What dopamine actually is and how it shapes desire
👉🏻 Why social media makes us buy things we don’t need
👉🏻 How to rewire your brain for focus and contentment
👉🏻 Simple tools to build awareness, set spending boundaries, and reclaim your attention
TIMESTAMPS:
0:00 — Intro + housekeeping
3:45 — The dopamine loop and why we’re addicted to our phones
7:30 — The slot machine effect of social media
10:00 — How influencer culture fuels desire
13:00 — Rewiring your brain: awareness & boredom
15:00 — Social proof bias and why we copy influencers
18:30 — The illusion of belonging online
21:30 — The rise of in-app shopping and impulsive buying
26:00 — Comparison, identity, and the cost of “keeping up”
28:30 — How to break the dopamine loop and spend mindfully
35:00 — Final tips for rewiring habits and reducing consumption
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
ALL 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
In this episode of Don’t Depend on Daddy, we dive into the life-changing magic of tidying up - and how decluttering your environment directly impacts your emotions, habits, and finances. You’ll learn how the KonMari method helps you release attachment, create calm, and find clarity in your priorities. We’ll talk about how physical clutter mirrors mental clutter, how to simplify your space without feeling deprived, and why tidying up is really a form of emotional and financial self-care. If you’re ready to reset your space and energy before the new year, this one’s for you.
TIMESTAMPS:
0:00 — Intro: Why tidying is more than cleaning
2:10 — The emotional clutter we ignore
4:30 — How the KonMari method really works
7:00 — The psychology of letting go
9:45 — What clutter reveals about your values
12:20 — Why fewer possessions = more peace
15:00 — The ripple effect: tidying your finances & habits
18:10 — How to make decluttering actually stick
21:30 — Minimalism vs deprivation
24:00 — Final thoughts: aligning your space, money & mindset
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
ALL 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
In this Q&A episode of Don’t Depend on Daddy, I’m answering all of your biggest questions about money, career, dating, and lifestyle. These are real questions submitted through my Instagram stories, and I’m giving you my honest, unfiltered answers.
✨ Inside this episode:
👉🏻 The aha moment that changed my career & money mindset
👉🏻 How I define “enough” and why chasing numbers doesn’t work
👉🏻 Navigating finances & dating as a high-earning woman
👉🏻 Career advice if you’re 21 and don’t know what you want yet
👉🏻 My evolving perspective on being childfree
👉🏻 Why a prenup is non-negotiable for me
👉🏻 My exercise routine & fitness mindset
👉🏻 Why I moved to Chicago and how I’m liking it so far
Open a SoFi Account: https://wealthlink.me/michela-sofi-hysa
TIMESTAMPS:
00:00 – Intro & Housekeeping (PFD, Budget Template, FI Planner)
05:00 – What was your “aha” moment that made you do better for yourself?
10:00 – How do you know when you have “enough”?
15:00 – How do you balance financial responsibility with dating?
19:00 – How did you know what you wanted to do with your career?
24:00 – How much do finances play a role in staying childfree (or not)?
29:00 – What are your thoughts on prenups?
31:00 – What’s your current exercise routine & how do you stay slim?
34:00 – Tips for getting into an exercise routine
35:00 – Why did you end up in Chicago?
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
ALL 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
In this episode of Don’t Depend on Daddy, I’m breaking down the lifestyle upgrades I made throughout my 20s — and how I avoided lifestyle creep while still building a 7-figure net worth by age 30. Building a life TAKES TIME!!
✨ Inside this episode:
👉🏻 Why it’s so important to avoid lifestyle creep in your 20s
👉🏻 The small apartments, sacrifices, and trade-offs I made early on
👉🏻 My first big lifestyle upgrade: buying my car in cash
👉🏻 How I kept rent reasonable (roommates, own bathroom, waiting to live alone)
👉🏻 The intentional health & wellness upgrades that improved my quality of life (Pilates, tennis, ClassPass, East Bank Club)
👉🏻 How I budgeted, tracked expenses, and made decisions slowly to build wealth
TIMESTAMPS:
00:00 – Intro & Podcast Welcome
01:00 – Finance Tools: PFD, Budget Template & FI Planner
04:00 – Why Avoiding Lifestyle Creep Matters
07:00 – Early 20s: First Jobs, Tiny Apartments & Saving Aggressively
12:00 – Living at Home During the Pandemic & First Big Upgrade (Car)
16:00 – Moving to LA: Own Bathroom & Higher Rent
20:00 – Tracking Expenses & Keeping Costs Steady While Income Grew
22:00 – Moving Into My Own Apartment & The Realities of Living Alone
24:00 – Health & Wellness Upgrades: Pilates, Tennis & ClassPass
28:00 – My 30-Year-Old Lifestyle: What I’ve Upgraded, What I Haven’t
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
ALL 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
Welcome back to Don’t Depend on Daddy! In this episode, I’m sharing my full routine roundup — from how I start my mornings, wind down at night, stay consistent with fitness, and manage travel with less stress.
✨ Inside this episode you’ll hear:
👉🏻 My morning routine habits that set the tone for a productive day
👉🏻 Evening rituals that help me recharge and stay consistent
👉🏻 How I balance walking, Pilates, and strength training in my fitness routine
👉🏻 The exact travel routine I follow to stay organized, calm, and prepared
👉🏻Tools I use daily, like the Personal Finance Dashboard, Basic Budget Template, and Financial Independence Planner
TIMESTAMPS:
00:00 – Intro & Podcast Welcome
01:00 – Finance Tools I Recommend (PFD, Budget Template, FI Planner)
03:00 – Why Routines Matter for My Well-Being
05:00 – Morning Routine: Wake Up, Walks & Morning Admin
09:00 – Skincare, Getting Dressed & Workday “Distinguisher”
13:00 – Starting Workday & Phone Boundaries
16:00 – Night Routine: Workday Wrap-Up & Evening Fitness
20:00 – Evening Skincare, Red Light Mask & Dinner Wind-Down
24:00 – Fitness Routine: Walking, Pilates & Strength Training with Form
34:00 – Travel Routine: Pre-Trip Prep, Packing & Airport Strategy
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
ALL 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
Welcome back to Don’t Depend on Daddy! Today’s episode is all about the biggest differences between your twenties and your thirties. As someone who just turned 30, I’ve been reflecting a lot on how these two decades are framed — and what’s actually true when it comes to money, career, lifestyle, and mindset.
💡 Here’s what we’ll cover:
👉🏻 Why your twenties should be about testing, experimenting, and learning
👉🏻 The financial, career, and lifestyle shifts that happen in your thirties
👉🏻 How to navigate comparison, milestones, and expectations at different ages
👉🏻 My personal lessons from both decades
TIMESTAMPS:
00:00 – Intro & why your 20s vs. 30s matter
01:00 – Housekeeping + finance tools I use
03:00 – 20s are for testing: career, money & lifestyle
07:00 – Getting the financial basics right in your 20s
09:00 – Careers in your 20s: job hopping, side hustles & portfolio paths
12:00 – Lifestyle in your 20s: moving, friendships & comparison
16:00 – Mindset experiments: coping, routines & self-soothing
20:00 – Shifts in your 30s: stability in money, career & lifestyle
27:00 – Therapy, confidence & elevating your 30s life
32:00 – Action items: what to try in your 20s vs. reflect on in your 30s
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
ALL 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
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 season
TIMESTAMPS:
00:00 – Intro & Fall State of the Union
01:00 – Housekeeping + finance tools I use
03:00 – Rent vs. Buy calculator update
05:00 – Why these ins & outs are just for fun
05:30 – Outs: Pumpkin spice, fall overconsumption, football, & “great lock-in” hustle
13:30 – In: Coworking spaces & community
16:00 – In: Fall baking & cooking
17:30 – In: Pilates & movement
18:30 – In: Jewel tones, Beyond Yoga sets & cozy athleisure
23:30 – Hot coffee mornings + LA back in the mix
BREAK 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 CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
ALL 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
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 redemptions
CONNECT WITH BENNY: https://www.instagram.com/bennyfillo
WHAT'S IN BENNY'S WALLET:
Rakuten (for AmEx points)
AutoPilot (flight price tracker)
My Credit Cards: www.breakyourbudget.com/toolkit
TIMESTAMPS:
0:00 – Welcome & episode intro
1:00 – Housekeeping & BYB financial tools
3:00 – Travel hacking 101: misconceptions & flexibility
7:00 – Tools for cheap flights: Google Flights, Going, Thrifty Traveler
10:30 – Business class on points & saver rates explained
15:00 – 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 canceled
31:00 – Travel credit cards: Amex Platinum vs Chase Reserve
41:00 – Benny’s favorite airlines, destinations & best redemptions
BREAK 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
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 work
Whether 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 & housekeeping
03:00 – Quick overview of my career journey
05:00 – The early jobs I hated & what they taught me
08:00 – Starting Break Your Budget as a side hustle
12:00 – Quitting corporate to go full-time on my business
14:00 – Career Lesson 1: Anything worth doing looks crazy at the start
20:00 – Career Lesson 2: Your job doesn’t have to be your passion
25:00 – Career Lesson 3: Wonder less, do more (stop overthinking)
30:00 – Career Lesson 4: Focus on small improvements, not huge leaps
34:00 – Career Lesson 5: Build a life outside of work
BREAK 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/
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: michela@breakyourbudget.com📸 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/
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 time
Outfit and accessory tips to instantly elevate your look
The 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 matters
01:00 – Budgeting tools plug (PFD, Fire Planner, etc.)
03:00 – The mindset shift: effort ≠ time
05:00 – Beauty tweaks that require minimal time but major impact
10:00 – Hair, skincare, lip gloss & perfume = effortless upgrade
16:00 – Eye patches, whitening mouthwash & glow hacks
20:00 – Styling tips: bags, jewelry, and outfit details that elevate
24:00 – My 3-bag collection and how I rotate them
27:00 – Staple accessories: 2 earrings, 2 bracelets, 2 necklaces
34:00 – Everyday luxuries: ice rollers, toiletry bags & Pinterest inspo
BREAK 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-template
FREE 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-kit
All Other Resources:
https://breakyourbudget.com/links
👩🏼💻 Inquiries: michela@breakyourbudget.com
📸 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/