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 (71)
  • 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. 5d ago

    184. Why Money Keeps Coming In and Going Right Back Out

    This is an encore episode and one of the most important conversations I’ve shared on the podcast. If you make good money but still feel like money comes in and goes right back out, this episode is for you. Maybe you save money for a little while, but then find yourself dipping into it. Maybe you transfer money to savings, but it never seems to accumulate. Maybe every paycheck feels like a reset, and by the time the next one comes, there’s not much left to show from the last one. In this episode, we’re talking about the money-in, money-out pattern that keeps so many women from building wealth, even when they make good money. We’ll get into: Why saving money and keeping money are not the same skill.The money patterns that can keep you spending what you earn.Why having money can feel unfamiliar or uncomfortable at first.The mindset that keeps money moving out as soon as it comes in.A simple way to begin practicing the skill of keeping money.If you’ve ever felt like money disappears as quickly as it comes in, this episode will help you start seeing what may actually be happening. Because building wealth is not just about earning more. It’s also about becoming the woman who can keep money, allow it to accumulate, and let it grow. 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

    29 min

  2. Jun 23

    183. Why Knowing What to do With Money Isn't Enough

    If you’ve ever thought, “I know what I should be doing with my money, I just can’t get myself to do it consistently,” this episode is for you. Because the truth is, most women are not struggling financially because they don’t have access to enough information. There are podcasts, books, YouTube channels, spreadsheets, social media posts, and experts everywhere telling you how to save money, pay off debt, stop overspending, invest, budget, and build wealth. So if information alone was enough, a lot more women would be where they want to be financially. In this episode, we’re talking about the gap between knowing what to do with money and actually doing it consistently. We’ll get into: Why more financial information may not be the missing piece.The difference between the outcome you want and the behaviors that create it.Why consuming money content can feel productive without actually changing your financial life.The reason paying off debt, saving money, or investing more requires more than knowing what to do.What may need to shift if you want your financial life to actually look different.If you’ve ever listened to the podcast, read the books, saved the posts, downloaded the spreadsheet, and still wondered why your money hasn’t changed the way you want it to, this episode will help you see what may actually be missing. Because knowing matters. But knowing is only the beginning. 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

    13 min

  3. Jun 16

    182. Why You Keep Waiting Until You Feel Motivated to Fix Your Money

    If you started the year with big financial goals but now realize you’ve barely thought about them in months, this episode is for you. Maybe you said this was the year you were going to save more money, stop overspending, pay off credit card debt, or finally get serious about building wealth. And maybe you meant it. But now we’re about halfway through the year, and you may be wondering how you got off track again. In this episode, we’re talking about why so many women wait until they feel motivated to fix their money, and why that pattern may be keeping them stuck longer than they realize. We’ll get into:  Why the halfway point of the year can bring up so much frustration.  How fresh start energy can help you, but also work against you.  Why waiting to feel ready may be costing you more than you think.  The pattern that keeps turning one money mishap into months of avoidance.  What needs to shift if you want to stop starting over financially. If you’ve ever thought: “I’ll start again Monday.” “I’ll get back on track next month.” “I’ll deal with this after things settle down.” Or: “I just need to feel motivated again.” This episode will help you see what may actually be happening underneath that delay. Because getting back on track financially may not require the perfect date, the perfect mood, or the perfect plan. It may require something much simpler. 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

    17 min

  4. Jun 9

    181. Why It Feels Like Something Always Happens When You Start Saving Money

    If you've ever started saving money, watched your account balance grow, and then had to turn around and use that money for a car repair, home expense, medical bill, or something your kids needed, this episode is for you. We're talking about one of the most discouraging thoughts many women have when they're trying to make financial progress: "Every time I start saving, something happens." And while it may feel true, that thought might be keeping you stuck more than the actual expense itself. In this episode, we're unpacking what really happens when life interrupts your financial plans and why using your savings doesn't automatically mean you've gone backward. We'll get into:  Why legitimate expenses can feel like proof you're not making progress.  The difference between what happened and what you make it mean.  How discouragement can quietly lead to overspending, avoidance, and financial setbacks.  Why saving money and using savings are both part of the process.  The mindset shift that helps you keep moving forward instead of starting over. If you've ever thought: "See, this always happens." "I can never get ahead." Or: "What's the point of saving if something is just going to come up anyway?" This episode will help you see your savings in a completely different way. Because sometimes your savings account isn't failing. Sometimes it's doing exactly what it was designed to do. Protecting you from debt, panic, and financial setbacks when life inevitably happens. And when you start seeing it that way, everything changes. 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

    17 min

  5. Jun 2

    180. Why You Keep Falling Back Into Old Money Habits (Your Financial Thermostat Explained)

    If you've ever paid off debt, built up your savings, gotten a bonus, or felt like you were finally getting ahead... only to find yourself right back in the same place a few months later, this episode is for you. We're talking about a hidden pattern that keeps many women stuck financially, even when they're making good money and doing all the "right" things. It's not a lack of discipline. It's not because you're bad with money. And it's not because you don't care about your future. It may be because your financial thermostat keeps pulling you back to what's familiar. In this episode, we're exploring why progress can feel temporary, why old money habits keep resurfacing, and what it really takes to create lasting change. We'll get into:  Why your brain prefers familiar financial patterns, even when they aren't serving you.  The hidden reason you keep ending up back in debt, overspending, or starting over.  Why knowing what to do with money isn't the same as doing it consistently.  How your financial thermostat influences your spending habits, savings, and debt.  The powerful question that can help you identify the pattern you keep repeating. If you've ever thought: "How am I back here again?" Or: "I make good money, so why does it feel like I'm always starting over?" This episode will help you understand what's really happening beneath the surface. Because lasting financial change isn't just about changing the numbers. It's about changing what feels normal. And once your new habits, new behaviors, and new financial decisions start feeling normal, that's when real wealth building begins. 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

    19 min

  6. May 26

    179. The Skill of Having Money: Why You Keep Spending Your Savings

    If you’ve ever saved money, watched your account start to grow… and then suddenly found yourself spending it on things that felt completely justified, this episode is for you. We’re talking about a skill most women were never taught: the skill of actually having money. Not just making money. Not just spending money. But letting money stay in your life long enough to become savings, security, peace, investing, and wealth. This episode breaks down why so many women who make good money still struggle to keep it, and why money can seem to disappear just as quickly as it comes in. We’ll get into:  Why saving money can feel surprisingly uncomfortable.  The real reason your brain starts finding places for money to go once it starts accumulating.  How overspending quietly keeps wealth from building over time.  Why more income does not automatically create financial security or peace of mind.  The mindset shift that helps you build wealth without feeling deprived. If you’ve ever: transferred money into savings… only to spend it shortly after… used bonuses for “important” purchases that kept delaying your financial goals… or felt like your income has increased but your peace has not… this episode will help you understand what’s actually happening underneath those patterns. Because this isn’t about being irresponsible. And it’s not about never spending money. It’s about expanding your capacity to actually have money instead of immediately turning it into something else. And once you learn that skill, your income can finally start becoming what you actually want it to become: peace of mind, savings, debt freedom, investing, options, and long-term wealth. If you’re realizing this is the exact pattern you’ve been stuck in, this is the kind of work we do inside money coaching. 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

    22 min

  7. May 19

    178. Your Brain Wasn’t Designed to Build Wealth (And That Changes Everything)

    If you’ve ever known what you should do with money… but still found yourself overspending, avoiding your finances, or falling back into old habits, this episode is for you. We’re talking about why building wealth can feel so hard, even for smart, capable women who make good money and genuinely want to change. This episode breaks down the hidden battle happening in your brain between immediate comfort and long-term wealth building, and why so many financial habits feel automatic. We’ll get into:  Why your brain prefers familiar financial patterns, even when they aren’t helping you.  The reason overspending and emotional spending can feel almost automatic.  Why saving money, paying off debt, and building wealth often feel uncomfortable at first.  How small money habits and spending patterns quietly shape your financial life over time.  Why becoming more intentional with money matters more than being perfect. If you’ve ever said:  “I’ll start next month.”  “One more thing won’t hurt.”  or:  “I just want to feel better…” this episode will help you understand what’s actually happening underneath those moments. Because this isn’t about a lack of discipline. It’s about learning how to work with your brain instead of constantly fighting against it. And once you become more aware of your patterns, urges, and emotional habits around money, you can start making decisions that actually support the life and future you want to build. If you’re ready to stop operating in survival mode and start building wealth more intentionally, this is exactly the work I do with my clients. 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

    24 min

  8. May 12

    177. Why Building Wealth Feels So Hard (Even Though It’s Actually Simple)

    If you’ve ever felt like building wealth is complicated, overwhelming, or something everyone else understands except you… this episode is for you. We’re talking about why wealth building is actually much simpler than most people make it out to be, and the five core areas of money that determine whether wealth grows or not. This episode breaks down the real reason so many women who make good money still struggle with saving money, paying off debt, and building wealth long term. We’ll get into:  The real reason building wealth feels harder than it should.  Why making more money still isn’t translating into financial security for so many women.  The one area of money that quietly keeps wealth from accumulating.  How your thoughts about money may be keeping you stuck financially.  Why some people build wealth steadily… while others keep spinning their wheels. If you’ve ever thought:  “I make good money… so why doesn’t it feel like I’m getting ahead?”  or:  “I should have more to show for what I earn…” this episode will help you start connecting the dots. Because wealth building isn’t about perfection.  It’s about learning how to manage the five areas of money consistently over time. And once you understand which lever needs the most attention right now, you can start making real progress without trying to fix everything at once. If you’re ready to simplify your finances, stop overspending, and build wealth in a way that actually fits your real life, this is exactly the work I do with my clients. 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

    17 min
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About

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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