Financial Feminist

• 259. How to Get Out of Financial Survival Mode

  Visit https://www.⁠herfirst100k.com/ffpod⁠ to join our 5 Day Debt Challenge! If you’ve ever felt like no matter how hard you try, you can’t get ahead — like you’re constantly putting out financial fires instead of building the life you want — this episode is for you. I’m breaking down exactly what financial survival mode looks like, why it’s not your fault, and how to finally get out of it. We’ll talk about the emotional and psychological patterns that keep you stuck, how to retrain your brain to take control of your money, and the simple, actionable steps you can start today to move from scarcity to stability. Because you’re not bad with money, you’re just trying to survive in a system that wasn’t built for you.  00:00 — You’re Not Bad With Money (Here’s Why You Feel Stuck) 01:00 — What “Financial Survival Mode” Actually Looks Like 02:00 — Signs You’re in Financial Scarcity Mode 04:00 — “I’m Bad With Money” Is a Lie We’ve Been Taught 05:00 — Free Resource: The 5-Day Debt Payoff Challenge 06:00 — How Scarcity Mindset Affects Your Decisions 07:00 — Why “Just Work Harder” Advice Misses the Point 08:00 — The Real Source of Money Stress (It’s Not What You Think) 09:00 — The Gas Tank Metaphor: Know What’s in the Tank 10:00 — The Horror Movie Rule: Face the Monster 11:00 — How to Get Out of Financial Scarcity Mode (Step-by-Step) 12:00 — What a “Money Date” Looks Like 13:00 — How to Analyze Your Spending Patterns 15:00 — The Hidden Benefit of Tracking Progress 16:00 — Setting Money Goals That Actually Work 18:00 — A Goal Without a Plan Is Just a Wish 19:00 — Your 30-Day Action Plan for Financial Progress 20:00 — Small Wins Create Big Momentum 21:00 — The Power of Accountability (And Why We All Need It) 23:00 — The Role of Mindset and Financial Trauma 24:00 — Must-Listen Episodes to Go Deeper 25:00 — Final Pep Talk: You’re Doing Great Special thanks to our sponsor: SquarespaceGo to www.squarespace.com/FFPOD to save 10% off your first website or domain purchase. Learn more about your ad choices. Visit megaphone.fm/adchoices

  --------  

  30:08

  --------

  30:08
• The Financial Advice You Wish You'd Taken Sooner with Intuit Credit Karma

  Ever wish you could go back and give your younger self some honest, no-nonsense financial advice? In this episode, we’re talking about the money lessons we all wish we’d learned sooner. Today I’m joined by Courtney Alev, Intuit Credit Karma’s Consumer Financial Advocate. Courtney helps shape Credit Karma’s products with real people in mind—empowering millions to know, grow, and protect their wealth. Her insights have been featured in everything from The New York Times to Marie Claire, and she’s basically your financial big sister: here to make money feel less overwhelming and help you build confidence with every dollar. Together, we’re diving into credit, debt, savings, and how to make smarter financial decisions that give you more freedom and less stress. Thanks to Credit Karma for sponsoring this episode! Get personalized, judgment-free insights on how to pay off debt and make your money work harder for you with Intuit Credit Karma! Visit: https://www.creditkarma.com/lp/financialfeminist  Visit https://herfirst100k.com/ffpod to stay up to date and find any resources mentioned on our show! 00:00 – Intro: The Money Advice I Wish I Took Sooner — with Credit Karma’s Courtney Alev01:10 – Why Money = Freedom02:05 – How to Define What You Actually Want (Not What You “Should” Want)03:10 – Credit 101: Building Credit in Your 20s04:00 – Easy Credit Score Tips That Actually Work05:30 – Tori’s Favorite Credit Utilization Trick06:30 – Should You Keep Old Credit Cards Open? (Yes—Here’s Why)07:15 – Why Credit Cards Are Tools—Not Traps08:00 – How to Pay Off Debt and Improve Your Credit Score09:15 – The Great Debate: Save First or Pay Off Debt First?10:45 – Why Women Need an F-Off Fund12:00 – Money ≠ Math: Why It’s Really About Emotions13:20 – Letting Go of Shame Around Debt & Spending15:00 – Why Avoiding Your Money Makes It Scarier16:30 – Are High-Yield Savings Accounts Still Worth It?17:20 – High-Yield vs. Regular Savings: What’s the Difference?18:40 – Mindful Spending 101: Stop the Doom-Spending Cycle20:15 – How to Curb Impulse Shopping Habits22:00 – Ask Yourself: “Why Do I Want This?” Before You Buy23:10 – The “Would I Move This?” Trick for Spending Less on Stuff24:10 – Boundaries, FOMO, and Saying No to Overspending26:30 – How to Handle the Cost of Weddings and Friend Events29:30 – Budgeting with Irregular Income (Freelancers, Creators, etc.)31:20 – Understanding & Paying Off Student Loans34:00 – Credit Card Debt vs. Student Loans: What to Tackle First35:20 – Saving for Retirement While Paying Off Debt36:15 – The Power of Compound Interest (Explained Simply)37:30 – How to Start Investing — Even with $20 a Month38:00 – Final Thoughts + Where to Find Credit Karma’s Free Tools Learn more about your ad choices. Visit megaphone.fm/adchoices

  --------  

  40:46

  --------

  40:46
• 258. Chase Big Goals Without Burning Out with Amanda Goetz

  What if earning more starts with ditching the BS toxic hustle culture we’ve been sold? In today’s episode I’m sitting down with Amanda Goetz — two-time founder, four-time CMO, single mom of three, and author of Toxic Grit: How to Have It All and Actually Love What You Have. We’re talking about how to earn more, buy back your time, and redefine ambition on your own terms without falling into the trap of hustle culture. From the rise and fall of the “girlboss” era to the guilt that comes with labels like “tradwife” and “soft girl,” Amanda shares how to find balance between building wealth, protecting your peace, and creating room for every version of yourself. If you’ve ever felt torn between chasing big goals and actually enjoying your life, this episode is for you. Amanda’s links: Book: https://www.toxicgrit.com/  Website: https://www.amandagoetz.com/ Instagram: https://www.instagram.com/theamandagoetz/  Visit https://herfirst100k.com/ffpod to stay up to date and find any resources mentioned on our show! 00:00 Intro 01:23 Amanda on Applying Mindset Shifts 02:06 The "Girl Boss" Era and Its Impact 04:06 Competing Versions of Ourselves 05:02 Seasons of Hustle and Avoiding Burnout 07:10 Defining Toxic Grit 09:15 Surviving Divorce and Building Resilience 12:18 Outsourcing, Rituals, and Reclaiming Time 15:55 Scarcity vs. Abundance Mindset 19:54 Defining Toxic Grit for Women 21:15 Creating Checkpoints and Avoiding Spin Cycles 23:28 Burnout, Alignment, and the Ambition Cycle 29:31 The Five-Phase Ambition Cycle 33:34 The Importance of Rituals and Transitions 38:48 New Models for Ambition and Redefining Success Special thanks to our sponsors: Squarespace Go to www.squarespace.com/FFPOD to save 10% off your first website or domain purchase. Learn more about your ad choices. Visit megaphone.fm/adchoices

  --------  

  54:41

  --------

  54:41
• 257. This Mistake Cost Me $500,000

  It took me three years — and more than half a million dollars — to learn this lesson. In today’s episode, I’m breaking down the biggest business mistake I’ve ever made: ignoring my gut, following “expert” advice, and paying the price. We’re diving into what happens when you give away your power for credibility, why trusting yourself is the best business strategy, and how to rebuild self-trust after a big mistake. If you’ve ever been told, “That’s just how it’s done,” this episode will remind you that sometimes the best thing you can do is trust your instincts — even when it goes against the norm. You’ll learn: Why “industry standard” doesn’t always mean right for you The true cost of outsourcing your power How to rebuild self-trust in your money and business decisions In this episode: 00:00 — The mistake that cost me $500,000 03:00 — What it means to sign with an agency or network (and why it’s risky) 05:00 — Losing transparency and control in my own business 07:00 — When credibility costs more than it’s worth 08:30 — The moment I realized I’d given away 40% of my revenue 10:00 — The danger of doing things just because “that’s how it’s done” 13:30 — What running everything in-house has taught me 14:00 — The deeper lesson: self-trust, transparency, and ownership 16:00 — How to support independent creators and shows like this one 17:00 — Learning from mistakes without shame 17:30 — The challenge: where can you trust yourself more? Want more resources from this episode, like our FREE money quiz, tools, or challenges? Head to https://www.herfirst100k.com/ffpod Check us out on YouTube: https://www.youtube.com/herfirst100k Learn more about your ad choices. Visit megaphone.fm/adchoices

  --------  

  21:45

  --------

  21:45
• I Really Need Your Help...

  Subscribe on Youtube: https://www.youtube.com/c/HerFirst100K  Visit herfirst100k.com/ffpod to find any resources mentioned on our show! We’re taking a quick break this week, but don’t worry, we’ll be back in your feeds next week. And next week’s episode is a BIG one. I’m going to be sharing about something that has cost our business hundreds of thousands of dollars over the last few years. But that’s not all––for the last three and a half years, we’ve been building this show together—and now, the Financial Feminist podcast is about to look and feel a little different. I can’t say too much just yet, but trust me, you don’t want to miss what’s coming! Tune in to hear how you can help. Read transcripts, learn more about our guests, sponsors and more at https://herfirst100k.com/financial-feminist-show-notes/i-need-your-help-bonus/ Learn more about your ad choices. Visit megaphone.fm/adchoices

  --------  

  4:18

  --------

  4:18

More Business podcasts

Trending Business podcasts

About Financial Feminist