Don't Depend On Daddy

In this episode,I’m breaking down the tiny 5-minute habits that are making a huge difference in my daily life. If you’ve ever felt stuck in an all-or-nothing mindset—thinking you need an hour to start a routine or see results—this episode will be a game changer. I’ll walk you through the small shifts I’ve made to feel more grounded, clear-headed, and put-together—without overhauling my schedule. From skincare and morning mindset tweaks to digital boundaries and evening resets, these are the tiny habits that actually stick (and how I made them stick). 💡 Whether you're low on time, energy, or motivation, these habits are realistic and doable—even in your busiest seasons. TIME STAMPS:  00:00 – Why tiny habits matter: the all-or-nothing mindset trap 01:00 – Quick plug: personal finance templates and tools 03:00 – How slowing down 10 minutes a day changed everything 05:00 – You don’t need a 15-step routine to feel better 08:00 – Small habit #1: phone outside the bedroom + real phone boundaries 10:00 – Small habit #2: podcast + morning walk = habit stack 12:00 – Small habit #3: ice rolling and face massage before the shower 14:00 – Small habit #4: music as a morning mood booster 15:00 – Small habit #5: lip gloss, perfume & lotion as a mindset shift 18:00 – Small habit #6–10: hydration, tidying, nighttime planning, red light mask, and guilt-free joy BREAK YOUR BUDGET RESOURCEs: 💸 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard [https://breakyourbudget.com/personal-finance-dashboard] 💸 Basic Budgeting Template:  https://breakyourbudget.com/basic-budgeting-template [https://breakyourbudget.com/basic-budgeting-template] 💸 NEW FI/RE Template:  https://breakyourbudget.com/fire-template [https://breakyourbudget.com/fire-template] ✅ Subscribe to Break Your Budget Weekly:  https://breakyourbudget.com/newsletter [https://breakyourbudget.com/newsletter] 📖 My Books:  https://breakyourbudget.com/book [https://breakyourbudget.com/book] 👩🏼‍💻 Task Management System + Promotion Template: https://breakyourbudget.com/own-your-career-template [https://breakyourbudget.com/own-your-career-template] FREE DOWNLOADS: 💸 Recession Guide: https://breakyourbudget.com/recession-guide [https://breakyourbudget.com/recession-guide] ✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist [https://breakyourbudget.com/monthly-audit-checklist] ✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit [https://breakyourbudget.com/pf-starter-kit] All Other Resources:  https://breakyourbudget.com/links [https://breakyourbudget.com/links] 👩🏼‍💻 Inquiries: michela@breakyourbudget.com 📸 Instagram: https://www.instagram.com/breakyourbudget/ [https://www.instagram.com/breakyourbudget/] 📲 Tiktok: https://www.tiktok.com/@breakyourbudget [https://www.tiktok.com/@breakyourbudget] 📸 Instagram: ⁠⁠ [https://www.instagram.com/breakyourbudget/]https://www.instagram.com/michela_alloccaa [https://www.instagram.com/michela_alloccaa/?hl=en] 💸 Break Your Budget LTK:  https://www.shopltk.com/explore/MichelaAllocca/ [https://www.shopltk.com/explore/MichelaAllocca/]

The first 500 people to click my link or scan this QR code will get a 1 month free trial of Skillshare! Get started today! https://skl.sh/breakyourbudget07251 In this episode, I’m sharing the real story behind building a content creation career—from how I got started to how I actually make money and why it’s harder (and more rewarding) than it looks. Whether you're just starting out or thinking about turning your content into a business, this is a must-watch. I cover what it's really like to be a full-time creator, how I transitioned from working in finance to making content online, and how platforms like Skillshare helped me expand my creative skills and income streams. 🎥 What’s inside: -How I got started in content creation (and why I stuck with it) -How I make money (digital products, brand deals, affiliate) -What people get wrong about content creators TIMESTAMPS: 00:00 – Intro: Why I’m finally making a video about content creation 01:30 – My background: Finance career to full-time creator 03:15 – The truth: It took me 2 years to make money online 04:50 – The biggest misconception about creators (and my thoughts) 07:00 – Income breakdown: brand deals, digital products, affiliate 10:15 – Creating a sustainable schedule: content batching + planning 12:45 – My favorite tools that keep me consistent 15:00 – How Skillshare helped me build creative & business skills 17:30 – Creator burnout: boundaries, algorithm pressure & overthinking 20:00 – Advice I’d give myself (and you) if I was starting today 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 I'm taking a fun and personal turn and sharing all of my monthly favorites—from skincare and fashion to books, podcasts, and content creators I'm loving lately. I’m chatting about products that made a difference in my routine, creators who’ve inspired my style journey, and books I can’t put down (and one super-hyped one I just can’t finish). If you’re into personal growth, simple beauty, chic vibes, and building a more intentional lifestyle, this one’s for you. 🎙️ Plus: My current skincare obsessions (hello, derm PAs on TikTok), must-have linen shirts, and what’s really worth the splurge. I’m also asking YOU to share your favorites with me! TIME STAMPS: 00:00 – Intro: Why I’m sharing my monthly lifestyle favorites 01:00 – Quick plug: Budgeting tools & FIRE resources 03:00 – Life update: Feeling 30, therapy, and starting meds 05:00 – Content creators I’m loving (fashion, Substacks, TikTok inspo) 08:00 – Educational fashion TikTok: creators & outfit formulas 13:00 – Skincare side of TikTok: Derm PAs, Botox, product recs 17:00 – Current product faves: IT Cosmetics concealer, sheet masks, etc 24:00 – Fashion picks: Quince linen shirts + Reformation satin pants 28:00 – Podcast recs: wellness, skincare, and brand-building 38:00 – Book opinions: What I’m reading & why I DNF’d Fourth Wing EVERYTHING I MENTIONED: Creators (all on TikTok) @JenKnowsBestBlog @Oliviasara_23 @ladydianamay @digitaltaylor @theclarajones @donatsuyang Products: IT Cosmetics Concealer: https://rstyle.me/+z6QImh0PftHyT1zkCqkiEg Concealer BrushL https://rstyle.me/+8cgmEPJfULr_6wZk2LlVOQ Medicube PDRN Cream: https://rstyle.me/+Ro7isGSJ4aCMuzpbCvBUMg Quince Linen Shirt: https://goto.quince.com/55zxQD Reformation Gale Pant: https://rstyle.me/+-3yhdVV1KSvy9-PDlkp2ow Podcasts I like: The Wellness Process Well by Arielle Lorre Dr. Shannon Show Dream Bigger Podcast Almost 30 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 Q+A episode, I’m answering your most-asked personal finance and career questions—covering everything from how I manage my money now that I’m self-employed, to navigating career pivots, saving for big goals, and making the most of your 20s and 30s. Whether you're trying to build a budget that actually works, wondering how to balance saving vs. investing, or struggling to figure out your next career step—this episode has the honest, practical advice I wish I had when I was just getting started. We’re covering both tactical money tips and deeper mindset shifts around work, worth, and building a life that feels aligned. If you’re in a season of transition or just want to feel more financially grounded, this one’s for you. TIMESTAMPS: 00:00 – Intro: answering your personal finance & career questions00:48 – I’m 24 and feeling lost—should I pay off student loans or save first?03:45 – Any advice for paying off student loans more strategically?06:10 – Which FIRE path are you pursuing now and why?08:00 – What’s the biggest money mindset shift you’ve made lately?10:35 – I’m approaching $100K but still feel poor—what’s going on?13:00 – How did you pivot from your 9–5 into content full time?15:45 – What does the admin side of your business setup look like?18:00 – How do you negotiate a raise or promotion when there’s “no budget”?20:15 – How do you know when it’s time to pivot careers—and manage the risk?23:10 – I quit a toxic job without a backup. Any advice for staying positive? 💸 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard [https://breakyourbudget.com/personal-finance-dashboard] 💸 Basic Budgeting Template:  https://breakyourbudget.com/basic-budgeting-template [https://breakyourbudget.com/basic-budgeting-template] 💸 NEW FI/RE Template:  https://breakyourbudget.com/fire-template [https://breakyourbudget.com/fire-template] ✅ Subscribe to Break Your Budget Weekly:  https://breakyourbudget.com/newsletter [https://breakyourbudget.com/newsletter] 📖 My Books:  https://breakyourbudget.com/book [https://breakyourbudget.com/book] 👩🏼‍💻 Task Management System + Promotion Template: https://breakyourbudget.com/own-your-career-template [https://breakyourbudget.com/own-your-career-template] FREE DOWNLOADS: 💸 Recession Guide: https://breakyourbudget.com/recession-guide [https://breakyourbudget.com/recession-guide] ✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist [https://breakyourbudget.com/monthly-audit-checklist] ✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit [https://breakyourbudget.com/pf-starter-kit] All Other Resources:  https://breakyourbudget.com/links [https://breakyourbudget.com/links] 👩🏼‍💻 Inquiries: michela@breakyourbudget.com 📸 Instagram: https://www.instagram.com/breakyourbudget/ [https://www.instagram.com/breakyourbudget/] 📲 Tiktok: https://www.tiktok.com/@breakyourbudget [https://www.tiktok.com/@breakyourbudget] 📸 Instagram: ⁠⁠ [https://www.instagram.com/breakyourbudget/]https://www.instagram.com/michela_alloccaa [https://www.instagram.com/michela_alloccaa/?hl=en] 💸 Break Your Budget LTK:  https://www.shopltk.com/explore/MichelaAllocca/ [https://www.shopltk.com/explore/MichelaAllocca/]

I just turned 30, and in this episode I’m walking you through my mid-year life reset. From shifting my workouts and eating more protein, to simplifying my content strategy and decluttering my space—these are the small but intentional changes I’m making to feel better, work smarter, and live with more peace in the second half of the year. If you’re craving more structure or clarity, this reset might be the nudge you need. TIMESTAMPS: (skip 9:00-22:00 for trigger warning)00:00 – Intro: What Don't Depend on Daddy is about01:00 – Housekeeping & digital product discounts03:00 – Turning 30: How it actually feels04:30 – Why I structure my goals in 6-month increments06:00 – Self-reflection questions for a personal reset09:00 – Fitness goals, calorie tracking, and protein adjustments16:30 – Creating a consistent, structured workout plan20:00 – Fitbit, walking goals, and staying motivated22:00 – Morning routine tweaks + reading financial news24:00 – Career strategy shifts + reshaping content creation 💸 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard [https://breakyourbudget.com/personal-finance-dashboard] 💸 Basic Budgeting Template:  https://breakyourbudget.com/basic-budgeting-template [https://breakyourbudget.com/basic-budgeting-template] 💸 NEW FI/RE Template:  https://breakyourbudget.com/fire-template [https://breakyourbudget.com/fire-template] ✅ Subscribe to Break Your Budget Weekly:  https://breakyourbudget.com/newsletter [https://breakyourbudget.com/newsletter] 📖 My Books:  https://breakyourbudget.com/book [https://breakyourbudget.com/book] 👩🏼‍💻 Task Management System + Promotion Template: https://breakyourbudget.com/own-your-career-template [https://breakyourbudget.com/own-your-career-template] FREE DOWNLOADS: 💸 Recession Guide: https://breakyourbudget.com/recession-guide [https://breakyourbudget.com/recession-guide] ✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist [https://breakyourbudget.com/monthly-audit-checklist] ✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit [https://breakyourbudget.com/pf-starter-kit] All Other Resources:  https://breakyourbudget.com/links [https://breakyourbudget.com/links] 👩🏼‍💻 Inquiries: michela@breakyourbudget.com 📸 Instagram: https://www.instagram.com/breakyourbudget/ [https://www.instagram.com/breakyourbudget/] 📲 Tiktok: https://www.tiktok.com/@breakyourbudget [https://www.tiktok.com/@breakyourbudget] 📸 Instagram: ⁠⁠ [https://www.instagram.com/breakyourbudget/]https://www.instagram.com/michela_alloccaa [https://www.instagram.com/michela_alloccaa/?hl=en] 💸 Break Your Budget LTK:  https://www.shopltk.com/explore/MichelaAllocca/ [https://www.shopltk.com/explore/MichelaAllocca/]