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Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

Germaine Foley | Financial Coach
Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women
Latest episode

192 episodes

  • Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

    189. How to Build Wealth Without Giving Up the Life You Enjoy

    04/08/2026 | 29 mins.
    If you want to build wealth but the thought of giving up everything you enjoy makes you want to avoid your money altogether, this episode is for you.
    For a long time, I thought getting serious with money meant living a boring, restricted, super frugal life.
    No more vacations.
    No more eating out.
    No more buying nice things.
    No more enjoying the money we worked hard for.
    And because that sounded miserable, I avoided dealing with my finances longer than I should have.
    That is why I created the Do Both Method.
    In this episode, I’m breaking down how you can build wealth and enjoy your life at the same time without using a strict budget or cutting out everything that makes life feel good.
    We’ll get into:
    Why strict budgeting may not be the answer for you.
    Why building wealth does not mean you have to stop enjoying your money.
    How to stop spending on things that do not truly matter.
    What values-based spending actually looks like.
    Why the money you free up needs to be redirected toward savings, debt freedom, investing, and wealth.
    If you make good money but still feel like your finances are not where you want them to be, this episode will help you see a different way forward.
    Because the goal is not to stop living.
    The goal is to stop letting money slip through your life and start using it to create the life you actually want.
    Ready for support?
    If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation.
    This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently.
    Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster.
    Click Here to Schedule yours today
  • Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

    188. The Biggest Financial Mistake Women Make After Getting a Raise

    28/07/2026 | 12 mins.
    If you’ve ever gotten a raise, bonus, new client contract, or any other increase in income and thought, “This is finally going to help me get ahead,” this episode is for you.
    Because extra money can absolutely help you build wealth, pay down debt, save more, and create more breathing room.
    But only if you decide ahead of time what that money is going to do.
    In this short and actionable episode, we’re talking about the biggest financial mistake women make after getting a raise, and why it happens before the spending even starts.
    We’ll get into:
    What to do before the extra money hits your account.
    How to think about raises, bonuses, client contracts, and windfalls.
    Why good intentions are not the same as a plan.
    If you have a raise, bonus, new contract, or income increase coming soon, save this episode and come back to it before the money arrives.
    Because the goal is not just to make more money.
    The goal is to use the money you make to create real financial impact.
    Ready for support?
    If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation.
    This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently.
    Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster.
    Click Here to Schedule yours today
  • Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

    187. Making Good Money Isn’t the Same as Building Wealth

    21/07/2026 | 24 mins.
    If you make good money but still feel like you should be further along financially, this episode is for you.
    Maybe you’re making more than you did five or ten years ago.
    Maybe you’ve earned the degree, built the career, grown the business, received the promotion, or finally reached the income level you once thought would change everything.
    And yet, your financial life may not feel the way you thought it would feel by now.
    Your savings may not be where you want it to be.
    You may still be carrying credit card debt.
    You may be investing, but wondering if you’re doing enough.
    And you may still feel like your income is not creating the breathing room, margin, or financial security you expected.
    In this episode, we’re talking about why making good money and building wealth are not the same thing.
    We’ll get into:
    Why income alone does not tell the full story.
    The difference between making more money and creating financial progress.
    Why lifestyle inflation is only part of the issue.
    How your financial thermostat can keep pulling you back to what feels familiar.
    Why financial impact matters more than income alone.
    If you’ve ever wondered, “How am I making this much money and still feeling behind?” this episode will help you look at your income in a different way.
    Because the goal is not just to make more money.
    The goal is to turn the money you make into savings, debt reduction, investing, breathing room, flexibility, options, and wealth.
    Ready for support?
    If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation.
    This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently.
    Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster.
    Click Here to Schedule yours today
  • Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

    186. Why Making More Money Can Still Leave You Feeling Behind

    14/07/2026 | 21 mins.
    If you make more money than you used to, but somehow still feel behind financially, this episode is for you.
    Maybe when you were younger and made less, you were more careful.
    You paid attention.
    You knew where your money was going.
    You had a plan.
    But as your income increased, you may have started feeling like you didn’t need to watch things as carefully anymore.
    And now, even though you make good money, your savings, debt, investments, or net worth may not reflect the income you bring in.
    In this episode, we’re talking about why making more money does not automatically create financial progress, and why your income needs clear direction if you want it to build wealth.
    We’ll get into:
    Why your attention to money may decrease as your income increases.
    How lifestyle expansion can quietly keep you feeling behind.
    Why paying attention to your money is not the same as being restricted.
    The difference between managing money from fear and managing money with intention.
    Why a simple money system can help you enjoy your life and build wealth at the same time.
    If you’ve ever thought, “I make too much money to still feel this behind,” this episode will help you see what may actually be happening.
    Because the goal is not just to make more money.
    The goal is to give your income direction so it can create the life, peace, savings, options, and wealth you actually want.
    Ready for support?
    If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation.
    This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently.
    Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster.
    Click Here to Schedule yours today
  • Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

    185. Your Past Money Habits Created Your Current Financial Life

    07/07/2026 | 21 mins.
    If you’ve ever looked at your debt, savings, spending, investments, or net worth and thought, “How did I get here?” this episode is for you.
    We’re talking about how your past money habits created your current financial life, and why that can actually be a freeing thing to understand.
    Not to blame yourself.
    But because where you are today is not your final destination. It’s simply what has been created so far.
    In this episode, we’ll get into:
    Why your current financial life is information, not a personal failure.
    How past money habits, decisions, and patterns shape today’s results.
    Why shame keeps you focused on the past instead of helping you move forward.
    What it really means to take responsibility without blaming yourself.
    How the financial life you want starts with who you are being with money now.
    If you’ve been feeling behind, frustrated, or disappointed by where you are financially, this episode will help you look at your money in a different way.
    Ready for support?
    If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation.
    This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently.
    Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster.
    Click Here to Schedule yours today
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About Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women
A personal finance podcast for women who make good money but still struggle with overspending, credit card debt, and/or saving money. This isn’t about strict budgets or deprivation, it’s about getting to the root of why money still feels hard even though you’re successful in other areas of your life. Hosted by Germaine Foley, the show focuses on mindset and building systems that actually work in real life.If you’ve paid off debt before, grown your business, or made more money but still feel stuck, there’s nothing wrong with you. Overspending and financial stress aren’t a lack of discipline, they’re a sign that the strategies you were taught don’t fit your real life. This show helps you understand what’s actually happening beneath the surface so you can finally change it.Each episode offers honest conversations, practical insights, and a new way to think about money that supports both your life now and your long-term goals. If you’re ready to stop stressing about money all the time and start moving forward, you’re in the right place.
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