Don't Depend On Daddy

January is the one month of the year where I intentionally slow down, simplify, and refocus on my health and wellness without turning it into a rigid challenge or restrictive reset that I can't stick to. In this episode, I walk you through my full January wellness protocol - a flexible, realistic framework I use to rebuild momentum after the holidays, regulate my nervous system, and reset my habits in a way that actually sticks. Instead of forcing myself into things like 75 Hard or Whole30, I focus on daily non-negotiables and weekly add-ons that reduce decision fatigue and support my energy, digestion, sleep, and routines. I break down my daily wellness anchors, my weekly focus habits, how I think about discipline versus forcing, and why January is the easiest month of the year to build sustainable momentum. This episode is meant to feel grounding, practical, and adaptable - whether you’re listening in January or any time you need a gentle reset.

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: [email protected]
📸 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

0:00 – Why I don’t do New Year’s resolutions and how I use January instead
2:00 – Why January is the easiest month to build momentum
3:30 – What I actually mean by a “wellness protocol”
5:30 – Discipline vs forcing yourself into restrictive challenges
7:00 – The structure: daily anchors vs weekly focus habits
8:30 – My morning wellness lineup and digestion routine
10:30 – Skincare, body care, and slowing down in winter
12:30 – Fiber, movement minimums, and realistic fitness expectations
14:00 – Sleep hygiene, phone boundaries, and winding down
16:30 – Weekly add-ons: sauna, face masks, juicing, and organizing

The start of a new year comes with a lot of pressure - to rebrand, overhaul your life, and fix everything all at once. In this episode, I’m sharing why I don’t believe in New Year’s resolutions, why I think they fail most people, and how I approach resetting in a way that actually lasts.

We walk through a real reflection on 2025: what changed my life, what habits worked, what didn’t, and where I got in my own way. Then I share how I’m setting themes (not resolutions) for 2026 across money, wellness, routines, home, and career - plus the systems I’m putting in place to support them.

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: [email protected]
📸 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: why I hate the pressure of New Year rebrands
02:00 — Why New Year’s resolutions don’t work (and abandonment day)
04:00 — No-buy years vs. no-buy January (and why extremes fail)
06:00 — How I think about change: slow, intentional, lifestyle-based
08:00 — Reflecting on 2025: what changed my life
12:00 — Habits that worked: phone boundaries, sleep, cleanliness
15:00 — What didn’t work: cooking ruts, hermit mode, adjustment periods
19:00 — Setting themes for 2026 instead of resolutions
23:00 — Who I want to be by the end of 2026
30:00 — January rituals, documentaries, and closing reflections

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: [email protected]
📸 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: [email protected]
📸 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: [email protected]
📸 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