Don't Depend On Daddy

Welcome back to Don’t Depend on Daddy! In this episode, I’m sharing my full routine roundup — from how I start my mornings, wind down at night, stay consistent with fitness, and manage travel with less stress. ✨ Inside this episode you’ll hear: 👉🏻 My morning routine habits that set the tone for a productive day 👉🏻 Evening rituals that help me recharge and stay consistent 👉🏻 How I balance walking, Pilates, and strength training in my fitness routine 👉🏻 The exact travel routine I follow to stay organized, calm, and prepared 👉🏻Tools I use daily, like the Personal Finance Dashboard, Basic Budget Template, and Financial Independence Planner TIMESTAMPS: 00:00 – Intro & Podcast Welcome 01:00 – Finance Tools I Recommend (PFD, Budget Template, FI Planner) 03:00 – Why Routines Matter for My Well-Being 05:00 – Morning Routine: Wake Up, Walks & Morning Admin 09:00 – Skincare, Getting Dressed & Workday “Distinguisher” 13:00 – Starting Workday & Phone Boundaries 16:00 – Night Routine: Workday Wrap-Up & Evening Fitness 20:00 – Evening Skincare, Red Light Mask & Dinner Wind-Down 24:00 – Fitness Routine: Walking, Pilates & Strength Training with Form 34:00 – Travel Routine: Pre-Trip Prep, Packing & Airport Strategy 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 ALL THE ACCOUNTS/ TOOLS I USE: 💸 www.breakyourbudget.com/toolkit ✅ 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/

Welcome back to Don’t Depend on Daddy! Today’s episode is all about the biggest differences between your twenties and your thirties. As someone who just turned 30, I’ve been reflecting a lot on how these two decades are framed — and what’s actually true when it comes to money, career, lifestyle, and mindset. 💡 Here’s what we’ll cover: 👉🏻 Why your twenties should be about testing, experimenting, and learning 👉🏻 The financial, career, and lifestyle shifts that happen in your thirties 👉🏻 How to navigate comparison, milestones, and expectations at different ages 👉🏻 My personal lessons from both decades TIMESTAMPS: 00:00 – Intro & why your 20s vs. 30s matter 01:00 – Housekeeping + finance tools I use 03:00 – 20s are for testing: career, money & lifestyle 07:00 – Getting the financial basics right in your 20s 09:00 – Careers in your 20s: job hopping, side hustles & portfolio paths 12:00 – Lifestyle in your 20s: moving, friendships & comparison 16:00 – Mindset experiments: coping, routines & self-soothing 20:00 – Shifts in your 30s: stability in money, career & lifestyle 27:00 – Therapy, confidence & elevating your 30s life 32:00 – Action items: what to try in your 20s vs. reflect on in your 30s 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 ALL THE ACCOUNTS/ TOOLS I USE: 💸 www.breakyourbudget.com/toolkit ✅ 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/

Welcome back to Don’t Depend on Daddy! In this episode, I’m sharing my Fall 2025 Ins & Outs—from routines and money habits to cozy lifestyle swaps. These episodes are some of my favorites to record, and I’d love to hear what’s on your ins and outs list this season. 🍂 We’ll cover: 👉🏻 My take on pumpkin spice & fall overconsumption 👉🏻 Why I’m ditching the “great lock-in” hustle mindset 👉🏻 The small changes that are making my fall feel more intentional 👉🏻 What’s making life cozier and more aligned this season TIMESTAMPS: 00:00 – Intro & Fall State of the Union 01:00 – Housekeeping + finance tools I use 03:00 – Rent vs. Buy calculator update 05:00 – Why these ins & outs are just for fun 05:30 – Outs: Pumpkin spice, fall overconsumption, football, & “great lock-in” hustle 13:30 – In: Coworking spaces & community 16:00 – In: Fall baking & cooking 17:30 – In: Pilates & movement 18:30 – In: Jewel tones, Beyond Yoga sets & cozy athleisure 23:30 – Hot coffee mornings + LA back in the mix 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 ALL THE ACCOUNTS/ TOOLS I USE: 💸 www.breakyourbudget.com/toolkit ✅ 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/

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/