Don't Depend On Daddy

Michela Allocca - Break Your Budget

Don’t Depend on Daddy is an unfiltered space to learn and discuss how to build independence and OWN your life. From personal finance and career topics, to healthy habits, routines, and hobbies, the goal of Don't Depend on Daddy is to empower you to build financial, professional, and personal independence, regardless of the life stage you are in. *This is not a strictly personal finance podcast.* Host Michela Allocca is an ex-financial analyst-turned-entrepreneur, author, and digital creator behind the leading financial platform, Break Your Budget.

  1. 3 DAYS AGO

    126. How to Travel More, for Less: Credit Card Points, Saver Fares, Positioning Flights & More!

    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 AmEx Gold Chase Sapphire Reserve Chase Freedom Unlimited Capital One Travel Rakuten (for AmEx points) AutoPilot (flight price tracker) Other Episode with Benny 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 💸 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/

    48 min

  2. 3 SEPT

    125. Your Job Doesn’t Have to Be Your Passion (5 Career Lessons I Wish I Knew Sooner)

    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/

    39 min

  3. 27 AUG

    124. Entering My Prime: Building Confidence, Career & Lifestyle in My 30s

    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/

    40 min

  4. 20 AUG

    123. The Low-Effort Style Habits to Look & Feel More Put Together (on a budget)

    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 💸 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/

    36 min

  5. 13 AUG

    122. Tiny 5-Minute Habits That Make Me Feel Put Together & Upgrade my Life

    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 💸 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/

    23 min

  6. 6 AUG

    121. Building a 7-Figure Content Business: My Strategy and Best Tips to Start Creating Content

    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/

    42 min

  7. 30 JUL

    120. Everything I Am Obsessed With Right Now: Chic Style, Glowy Skin & Good Reads

    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/

    45 min

  8. 23 JUL

    119. When $100K Doesn’t Feel Like Enough and Work Feels Wrong: Answering Your Money & Career Questions

    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 💸 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/

    54 min
See All (127)

About

Don’t Depend on Daddy is an unfiltered space to learn and discuss how to build independence and OWN your life. From personal finance and career topics, to healthy habits, routines, and hobbies, the goal of Don't Depend on Daddy is to empower you to build financial, professional, and personal independence, regardless of the life stage you are in. *This is not a strictly personal finance podcast.* Host Michela Allocca is an ex-financial analyst-turned-entrepreneur, author, and digital creator behind the leading financial platform, Break Your Budget.

Information

  • Creator
    Michela Allocca - Break Your Budget
  • Years Active
    2019 - 2025
  • Episodes
    127
  • Rating
    Clean
  • Copyright
    © Michela Allocca - Break Your Budget
  • Show Website
    Don't Depend On Daddy

You Might Also Like