Don't Depend On Daddy

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: AmEx Platinum [https://americanexpress.com/en-us/referral/platinum-card?ref=BENJAFVlht&XL=MIMNS] AmEx Gold [https://americanexpress.com/en-us/referral/platinum-card?ref=BENJAFVlht&XL=MIMNS] Chase Sapphire Reserve [ https://www.referyourchasecard.com/19u/OZMXSKQT2U] Chase Freedom Unlimited [ https://www.referyourchasecard.com/18A/1JI20VKFO5] Capital One Travel [https://capital.one/3hFUPXR] Rakuten [https://www.rakuten.com/r/BENNYF147?eeid=44749] (for AmEx points) AutoPilot [https://fly.withautopilot.com/?autopilot-referral=BENJPKNY] (flight price tracker) Other Episode with Benny [https://open.spotify.com/episode/0QmlrX2GdoF4TCmSlBlv97?si=oto_x0URQueAdXz1OJdwSw] 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 [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/]

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 [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/]

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/]