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

Germaine Foley | Financial Coach
  • 4.9 (72)
  • Self-Improvement
  • Updated Weekly

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.

  1. 17h ago

    195. Why Making $100K+ Still Doesn’t Make You Feel Financially Secure

    This week, I’m doing something a little different. I recently taught a live money training for women earning $100K or more who feel like they should be further ahead financially, and I decided to share the full training with you here on the podcast. Because if you make good money but still find yourself dealing with credit card debt, low savings, or that quiet feeling of “I should be further along by now,” I really want you to hear this conversation. In this training, we talk about why making more money is not always the answer and why a strict budget is not the answer either. Because if more income or more restriction were enough, this would already be fixed. Instead, I’m walking you through the deeper reasons so many high-earning women stay stuck in the same money cycles, even when they are smart, successful, and fully capable in every other area of life. We’ll talk about: Why making $100K or more does not automatically create financial security.Why credit card debt can keep coming back even after you pay it down.Why savings can grow and then get pulled right back out.Why your brain may keep recreating the same financial experience at different income levels.Why spending, self-concept, and systems all matter when it comes to changing your financial life.This episode is longer than my usual episodes because you’re getting the full class. So listen while you walk, drive, fold laundry, or do whatever you need to do. And as you listen, I want you to pay attention to where you see yourself. Because once you understand why the cycle keeps happening, you can start changing it. 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

  2. Sep 8

    194. Why Money Feels Like the One Thing You Can’t Figure Out

    If you’re successful in so many areas of your life, but money feels like the one thing you can’t figure out, this episode is for you. Maybe you have a successful career. Maybe you make six figures. Maybe you’re doing well in your business, your relationships, your family, or other parts of your life. But when it comes to your finances, it can still feel like you are banging your head against the wall. The credit card debt keeps coming back. The savings never gets where you want it to be. You make progress, but then somehow end up feeling like you are starting over again. And you may start wondering, “Why can I figure out so many other things, but I can’t seem to figure out my money?” In this episode, we’re talking about three reasons money may feel like the one area of your life you cannot seem to get under control. We’ll get into: Why the way you see yourself with money matters.How old money stories can keep pulling you back into old financial results.Why spending may be responsible for too much in your life.Why trying to solve emotional spending with math does not work long term.How the way your money is set up may be keeping you in the same debt and savings cycle.If you make good money but still feel stuck with credit card debt, overspending, or saving money consistently, this episode will help you see what may actually be happening. Because this is not about being bad with money. It may be that you have been trying to solve the wrong problem. And once you understand what is really creating the pattern, you can start changing it. 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

  3. Sep 1

    193. Building Wealth Starts With Getting Out of Credit Card Debt & Saving Money

    If you make good money but still have credit card debt and not enough savings, this episode is for you. You may be earning six figures or multiple six figures. You may have a good career, a strong income, or a growing business. You may even be investing in your 401k, IRA, or other accounts. But if you are still carrying high-interest credit card debt and your savings is not where you want it to be, it can be hard to feel financially secure. In this episode, we’re talking about why building wealth starts with getting out of credit card debt and saving money. And while investing, real estate, business ownership, and becoming a millionaire can absolutely be part of building wealth, for many women, the first wealth-building goal is much more foundational. Getting out of high-interest credit card debt and learning how to stay out. Building enough savings so life can happen without sending you right back into debt. Creating the kind of financial foundation that allows wealth to actually stick. We’ll get into: Why making good money does not always mean you feel financially secure.Why credit card debt can keep your income tied to the past.Why saving money is not just basic, but a major part of building wealth.How a shaky financial foundation makes it harder to invest consistently.Why building wealth starts with creating stability, margin, cash flow, and peace.If you’ve been trying to build wealth while still carrying credit card debt or watching your savings go up and down, this episode will help you think about wealth-building differently. Because wealth is not just money in an investment account. Wealth is also having a financial life that is strong enough to support you. 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

  4. Aug 25

    192. Why Your Bonuses Don’t Help You Stay Out of Credit Card Debt

    If you’ve ever told yourself, “I’ll just pay it off with my next bonus,” this episode is for you. Maybe it was a bonus. A commission check. An incentive payment. A client contract. A busy-season income boost. Or some other money you knew was coming in the future. And in the moment, that future money made the spending feel okay. It felt like reassurance. It felt like permission. It felt like a plan. But then the money finally arrived, and instead of helping you get ahead, it had to clean up what already happened. In this episode, we’re talking about why your bonus, commission, or extra income may not be helping you pay off credit card debt or build wealth the way you expected. We’ll get into: Why “I’ll pay it off with my bonus” feels responsible, but may keep you stuck.How future income can become permission to spend today.Why bonuses often feel like cleanup money instead of extra money.The difference between strategic credit card use and using credit cards to borrow from future income.The question to ask before you use future money to justify present spending.If you make good money but your bonuses, commissions, or extra income always seem to disappear before they help you move forward, this episode will help you see the pattern more clearly. Because your bonus should not always go to cleaning up the past. It should be able to move your life forward. 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

  5. Aug 18

    191. Why You’re Still Not Saving Money or Paying Off Debt Consistently

    If you know you want more savings, less debt, more money invested, and more peace around money, but you can't get yourself to do those things consistently, this episode is for you. Because the financial life you want is not just about what you want to have. It is also about who you are becoming with money. In this episode, we’re talking about why saving money, paying off debt, investing more, and feeling more in control financially requires more than information. It requires a different relationship with money. A different identity. Different habits. Different standards. Different decisions. And a different way of showing up with the money already in your life. We’ll get into: Why focusing only on the outcome may keep you stuck.Why the woman who has the financial life you want handles money differently.How today’s money habits create tomorrow’s financial life.Why information alone does not create lasting change.The question that can help you think differently about your financial future.If you’ve ever thought, “I know what I should be doing with money, but I’m not doing it consistently,” this episode will help you see what may actually need to change. Because the goal is not just to save more, pay off debt, or invest more. The goal is to become the woman who naturally creates those results over and over again. 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

  6. Aug 11

    190. Making Good Money but Still Wondering Where It Goes?

    If you make good money but still feel like too much of it is going out the door, this episode is for you. Maybe you’re earning more than you ever have before, but you still don’t have the margin, savings, retirement progress, or breathing room you thought you would have by now. Maybe you look around and think: “Where is all of my money going?” “I should have more saved.” “I should have less credit card debt.” “I feel like money comes in and goes right back out.” In this episode, we’re talking about stewardship and what it means to take care of the money that comes into your life. Not from restriction. Not from fear. And not from guilt. But from intention. We’ll get into: Why income can increase while your attention decreases.What stewardship means when it comes to money.Practical ways to take better care of your money so that you can create more margin, peace, options, and wealth.If you’ve been making good money but your financial life still does not reflect it, this episode will help you think about 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

  7. Aug 4

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

    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

  8. Jul 28

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

    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

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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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