Centsational Women Investing: Personal Finance, Wealth & ETF Investing for European Women

Francesca Torre (Centsational Women CEO and Founder). Inspired by voices like Oprah Winfrey, Martin Lewis, Ramit Sethi, Mel Robbins, Warren Buffett, Ray Dalio, Charlie Munger, Bill Ackman, Ray Dalio, Benjamin Graham, Peter Lynch, Brené Brown, Morgan H
  • 5.0 (4)
  • Investing
  • Updated Biweekly

Welcome to Women Investing: Investing Made Simple for European Women the money podcast for women who live anywhere in the European Continent and want to invest but have no idea where to start.  Whether you’re in the EU, the UK, Switzerland, or anywhere else in Europe you’re in the right place. We welcome everyone who calls Europe home, including expats and Americans living here!  Investing is only for rich men in suits… right? LOL. Nope. Not here. Whether you:   - Don’t know what a portfolio is - Feel intimidated by the word “investing” and by the whole process - Or secretly worry you’re “just not a money person”… You’re in the right place. I’m Francesca Torre and every Monday and Thursday, I break down personal finance, money mindset, and beginner investing in plain English with zero shame, spreadsheets, or stress. I didn’t grow up knowing any of this. Even during my early years as an investment banker, I was terrified to invest my own €1,000 despite managing millions for clients. But that’s when I started. Slowly, awkwardly, imperfectly. Now? I built a 7-figures portfolio and as the founder of Centsational Women (#1 Investing Academy for Women in Europe) I’ve helped hundreds of European women grow their money with confidence no finance degree (or spreadsheets) required. If you’ve ever thought:   “I’m too behind…” “I’m bad with numbers…” “Investing isn’t for someone like me…” Press play — and get ready to prove yourself wrong. We’ll prove you wrong (and you’ll thank us later). 🎧 Ready to take the first step?Join my free investing workshop, made for women in Europe who are ready to stop Googling and start growing. 👉 👉 Click HERE to save your spot instantly  Legal disclaimer Content on this podcast is for educational purposes only and not financial advice. The content hereby broadcast does not include any personalized investment advice nor any recommendation. Likewise, the content is not aimed at the remote promotion or distribution of financial products or investment services. Views expressed are personal opinions. Investing involves risks. Perform your own research. Please refer to our Terms & Conditions on our website. 

  1. 1d ago

    238. Money & Sex: Your Bank Account Is Secretly Costing You In Bed & You Never Connected THIS

    Send us Fan Mail There's a tax almost nobody talks about. It doesn't show up on a bank statement. It shows up somewhere much more personal and most women paying it don't even know they're paying it. This week on Money & Martinis, all four of us pour the drinks, close the doors, and go somewhere we don't normally go on this podcast: the quiet, unspoken link between how financially dependent a woman is and what actually happens between her and her partner behind closed doors.  In this episode, you'll hear us get into: Why you cannot be in survival mode and desire mode at the same time, according to how the nervous system actually worksThe quiet dynamic that plays out in a relationship when one partner controls the money, and how it shapes far more than the budgetA real story from inside our own team about a big decision made without full agreement, and what it revealed about trustWhy some of the healthiest relationships aren't 50/50 at all, and what actually makes a partnership feel equalThe difference between a woman who earns and a woman who's simply present, and why those aren't always the same thingYou don't have to say a word of this to your partner tonight. Nobody else has to know why you suddenly feel different.  Support the show 🎓 Ready to take the first real step? Join our free Investing Workshop — a structured 90-min, warm introduction to investing designed specifically for women. Register here: FREE Investing Workshop  🎙 If you're ready to go deeper, book a free 1:1 call with our team: here.  About the show Centsational Women Investing is the podcast helping women across Europe master investing, build passive income, and create real financial freedom — without the jargon, the judgment, or the finance-bro energy. Each week we make personal finance, somatic work and financial literacy simple, blending practical investment strategies with the money mindset and somatic work that helps you actually follow through. Whether you're learning how to start investing for the first time, planning for retirement, building wealth alongside your career, or working toward full financial independence, this is your space to feel calm, clear, and powerful with money.  This episode is part of Centsational Women, the investing and financial freedom podcast for European women who are done knowing and ready to start doing. We cover money mindset, financial confidence, self-sabotage, and the behavioral finance side of building real financial ind...

  2. 4d ago

    237. Investing Mistake: Why Your Portfolio Made 3% While The Market Made 7% (Do THIS Before You Blame The Market)

    Send us Fan Mail A balanced portfolio has historically returned more than 7% a year for decades. So why do so many long-term investors end up with 2% or 3%? In this episode, we break down the real reason behind that gap. It has little to do with one dramatic decision, and a lot to do with something far more common than most investors realize. You'll learn: What a properly built 60/40 portfolio has actually returned over the long run, and how that compares to what most portfolios really captureWhy underperformance almost never comes from a single obvious mistakeThe pattern behind the gap that most people have never actually seen laid out side by sideOne question to ask about your own portfolio's returns, starting todayIf you want to see how much of your portfolio's potential you're actually capturing, book a call with our team. Support the show 🎓 Ready to take the first real step? Join our free Investing Workshop — a structured 90-min, warm introduction to investing designed specifically for women. Register here: FREE Investing Workshop  🎙 If you're ready to go deeper, book a free 1:1 call with our team: here.  About the show Centsational Women Investing is the podcast helping women across Europe master investing, build passive income, and create real financial freedom — without the jargon, the judgment, or the finance-bro energy. Each week we make personal finance, somatic work and financial literacy simple, blending practical investment strategies with the money mindset and somatic work that helps you actually follow through. Whether you're learning how to start investing for the first time, planning for retirement, building wealth alongside your career, or working toward full financial independence, this is your space to feel calm, clear, and powerful with money.  This episode is part of Centsational Women, the investing and financial freedom podcast for European women who are done knowing and ready to start doing. We cover money mindset, financial confidence, self-sabotage, and the behavioral finance side of building real financial ind...

  3. Aug 27

    236. Financial Independence Test: If You Could Actually Afford To Leave, Would You Still Stay? The Answer Exposes Everything

    Send us Fan Mail Not "do you want to." Just — could you. In this episode of The Centsational Aperitivo, all four of us sit with that question and what it actually reveals underneath the words "loyalty," "patience," and "love." Because financial fear is very good at disguising itself. It can look like devotion. It can sound like commitment. And most women have never actually run the numbers to know which one they're living. This episode pulls that apart — what it really costs to have the option to leave, why almost no woman has calculated it, and why even asking a close friend how she and her partner split money still feels more taboo than almost anything else you could bring up over dinner. In this episode, you'll hear us get into: Why so few women have ever calculated what it would actually take to support themselves independently — and what happens the moment they finally doThe real difference between a relationship you're choosing and one you can't afford to leave, and why your body already knows which one you're inA personal story about a "fair" 50/50 arrangement that quietly wasn't fair at all, and how easy it is to mistake normal for equitableWhy money is one of the last true taboos between even close friends, and what that silence quietly costs womenWhat changes — not in the relationship, but in the woman — the moment she knows her own numberThis isn't an episode telling you what to do about your relationship. It's an episode helping you know exactly where you stand, so any choice you make is actually a choice. If this stirred something, our team can help you calculate your real number Book a call — link's in the show notes. Support the show 🎓 Ready to take the first real step? Join our free Investing Workshop — a structured 90-min, warm introduction to investing designed specifically for women. Register here: FREE Investing Workshop  🎙 If you're ready to go deeper, book a free 1:1 call with our team: here.  About the show Centsational Women Investing is the podcast helping women across Europe master investing, build passive income, and create real financial freedom — without the jargon, the judgment, or the finance-bro energy. Each week we make personal finance, somatic work and financial literacy simple, blending practical investment strategies with the money mindset and somatic work that helps you actually follow through. Whether you're learning how to start investing for the first time, planning for retirement, building wealth alongside your career, or working toward full financial independence, this is your space to feel calm, clear, and powerful with money.  This episode is part of Centsational Women, the investing and financial freedom podcast for European women who are done knowing and ready to start doing. We cover money mindset, financial confidence, self-sabotage, and the behavioral finance side of building real financial ind...

  4. Aug 24

    235. Portfolio Volatility: Why A "Calm" Portfolio Is The Bigger Risk (And Who's Getting Rich Off Your Fear)

    Send us Fan Mail Every investor says they want a portfolio that doesn't move. This episode explains why that might be the worst thing you could ask for. We break down what's really happening every time the market swings, and why the discomfort you're trying to avoid might be the exact thing separating investors who build wealth from investors who don't. You'll learn: Why a portfolio that never moves could be a warning sign instead of a good oneWhat actually happens in the market during moments of fear and excitement, and who ends up ahead because of itThe real difference between two investors watching the same falling price, where one comes out ahead and the other doesn'tA simple practice to use the next time your account drops, before you touch anythingThis isn't about avoiding the ups and downs. It's about understanding what they're actually for. Support the show 🎓 Ready to take the first real step? Join our free Investing Workshop — a structured 90-min, warm introduction to investing designed specifically for women. Register here: FREE Investing Workshop  🎙 If you're ready to go deeper, book a free 1:1 call with our team: here.  About the show Centsational Women Investing is the podcast helping women across Europe master investing, build passive income, and create real financial freedom — without the jargon, the judgment, or the finance-bro energy. Each week we make personal finance, somatic work and financial literacy simple, blending practical investment strategies with the money mindset and somatic work that helps you actually follow through. Whether you're learning how to start investing for the first time, planning for retirement, building wealth alongside your career, or working toward full financial independence, this is your space to feel calm, clear, and powerful with money.  This episode is part of Centsational Women, the investing and financial freedom podcast for European women who are done knowing and ready to start doing. We cover money mindset, financial confidence, self-sabotage, and the behavioral finance side of building real financial ind...

  5. Aug 20

    234. Salary Negotiation For Women: You Weren't Rejected, You Never Actually Asked (Do THIS Before Your Next Review)

    Send us Fan Mail There's a number you already know. The raise you should have asked for two years ago. The rate you keep undercharging because saying the real one out loud feels too big for your mouth. The sentence you've rehearsed in the shower and never once said to your partner, your boss, or the client who's clearly getting more of you than they're paying for. In this episode of The Ask, all four of us sit down with that number and the moment right before it gets said. Because here's the part almost nobody wants to admit: it's rarely rejection that stops a woman from asking. It's that she never opens her mouth in the first place. No one said no to her. She just never gave them the chance to. In this episode, you'll hear us get into: Why the fear sitting underneath most negotiations has almost nothing to do with the number itself, and everything to do with a much older storyA simple way to walk into any ask The difference between masculine and feminine energy at the tableWhat it looks like from the other side of the table Why finding your real number matters more than ever saying it out loud to a single other personIf you've ever rehearsed the ask and never made it, this one's for you.  Support the show 🎓 Ready to take the first real step? Join our free Investing Workshop — a structured 90-min, warm introduction to investing designed specifically for women. Register here: FREE Investing Workshop  🎙 If you're ready to go deeper, book a free 1:1 call with our team: here.  About the show Centsational Women Investing is the podcast helping women across Europe master investing, build passive income, and create real financial freedom — without the jargon, the judgment, or the finance-bro energy. Each week we make personal finance, somatic work and financial literacy simple, blending practical investment strategies with the money mindset and somatic work that helps you actually follow through. Whether you're learning how to start investing for the first time, planning for retirement, building wealth alongside your career, or working toward full financial independence, this is your space to feel calm, clear, and powerful with money.  This episode is part of Centsational Women, the investing and financial freedom podcast for European women who are done knowing and ready to start doing. We cover money mindset, financial confidence, self-sabotage, and the behavioral finance side of building real financial ind...

  6. Aug 17

    233. Investing Mistake: Why "Just Hold" Is Secretly Bleeding Your Portfolio (Do THIS Math Before You Decide)

    Send us Fan Mail This is the investing mistake almost every investor makes without realizing it, and the number behind it is not what you'd expect. Everyone tells you the same thing when a stock drops: just hold, it'll come back. But in this episode, we show you the math nobody does before saying that, and why the real cost isn't the drop itself. It's something most investors never even calculate. You'll learn: The real math behind loss recovery that almost everyone gets wrong, and why the true number is bigger than you'd guessWhy markets fall fast and climb slow, and what that hidden timeline is quietly costing youThe one question that reveals whether you're making a real investing decision, or just avoiding oneWhat actually separates a stock that comes back from one that never doesA simple test to run the next time a position drops, before you check the app for the tenth timeThis is a lesson in decision-making more than prediction. The real question was never hold or sell. It's whether you're still choosing your portfolio with your eyes open. If today's episode has you looking at a position you've been avoiding, book a call with our team. We'll go through what's still working in your portfolio, what needs to go, and what might be worth adding. Support the show 🎓 Ready to take the first real step? Join our free Investing Workshop — a structured 90-min, warm introduction to investing designed specifically for women. Register here: FREE Investing Workshop  🎙 If you're ready to go deeper, book a free 1:1 call with our team: here.  About the show Centsational Women Investing is the podcast helping women across Europe master investing, build passive income, and create real financial freedom — without the jargon, the judgment, or the finance-bro energy. Each week we make personal finance, somatic work and financial literacy simple, blending practical investment strategies with the money mindset and somatic work that helps you actually follow through. Whether you're learning how to start investing for the first time, planning for retirement, building wealth alongside your career, or working toward full financial independence, this is your space to feel calm, clear, and powerful with money.  This episode is part of Centsational Women, the investing and financial freedom podcast for European women who are done knowing and ready to start doing. We cover money mindset, financial confidence, self-sabotage, and the behavioral finance side of building real financial ind...

  7. Aug 13

    232. Investing Procrastination: Why Knowing What To Do With Your Money Still Isn't Enough To Make You Do It

    Send us Fan Mail You know the move. You've known it for years. And still, every month, the money goes somewhere else, and the account you meant to open stays closed. In this episode, Francesca sits down with the full table, Melanie, Kristin, and Dagmar, to look at one of the strangest patterns in a woman's relationship with money: having the knowledge, and still standing still. The freeze that keeps you from starting the thing you already know you need to start is doing something for you, whether you can see it or not. And once you understand what that something is, everything else about your money starts making a different kind of sense. There's also a very visual (and very memorable) analogy for what happens when affirmations and vision boards aren't backed by a single real action. You'll want to hear it in Kristin and Melanie's own words. By the end, you'll understand why closing the gap between knowing and doing has never been about willpower. And why you don't have to figure out the how by yourself. If this episode found you somewhere you recognize, book a call with our team. It's a real, no-pressure conversation about exactly where you are and what's actually in the way. Link in the show notes. Support the show 🎓 Ready to take the first real step? Join our free Investing Workshop — a structured 90-min, warm introduction to investing designed specifically for women. Register here: FREE Investing Workshop  🎙 If you're ready to go deeper, book a free 1:1 call with our team: here.  About the show Centsational Women Investing is the podcast helping women across Europe master investing, build passive income, and create real financial freedom — without the jargon, the judgment, or the finance-bro energy. Each week we make personal finance, somatic work and financial literacy simple, blending practical investment strategies with the money mindset and somatic work that helps you actually follow through. Whether you're learning how to start investing for the first time, planning for retirement, building wealth alongside your career, or working toward full financial independence, this is your space to feel calm, clear, and powerful with money.  This episode is part of Centsational Women, the investing and financial freedom podcast for European women who are done knowing and ready to start doing. We cover money mindset, financial confidence, self-sabotage, and the behavioral finance side of building real financial ind...

  8. Aug 10

    231. How The Top 1% Of Investors Use SpaceX News To Predict Market Moves (And The Mistake Costing You Profits THIS Week)

    Send us Fan Mail SpaceX just had its best quarter yet. Somewhere on the internet, someone is taking a very public victory lap for calling it years ago. In today's Espresso, we break down the very human reason "I told you so" stories work on us even when the full picture is messier than the headline, plus the one question that separates real insight from a lucky guess with excellent timing. You'll learn: The detail missing from every "I called it" story you'll ever readWhy one right prediction feels like far more proof than it shouldThe single question to ask before trusting anyone's track record with your moneyWhy the loudest voice in your feed is rarely the most reliable oneListen now! Support the show 🎓 Ready to take the first real step? Join our free Investing Workshop — a structured 90-min, warm introduction to investing designed specifically for women. Register here: FREE Investing Workshop  🎙 If you're ready to go deeper, book a free 1:1 call with our team: here.  About the show Centsational Women Investing is the podcast helping women across Europe master investing, build passive income, and create real financial freedom — without the jargon, the judgment, or the finance-bro energy. Each week we make personal finance, somatic work and financial literacy simple, blending practical investment strategies with the money mindset and somatic work that helps you actually follow through. Whether you're learning how to start investing for the first time, planning for retirement, building wealth alongside your career, or working toward full financial independence, this is your space to feel calm, clear, and powerful with money.  This episode is part of Centsational Women, the investing and financial freedom podcast for European women who are done knowing and ready to start doing. We cover money mindset, financial confidence, self-sabotage, and the behavioral finance side of building real financial ind...

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About

Welcome to Women Investing: Investing Made Simple for European Women the money podcast for women who live anywhere in the European Continent and want to invest but have no idea where to start.  Whether you’re in the EU, the UK, Switzerland, or anywhere else in Europe you’re in the right place. We welcome everyone who calls Europe home, including expats and Americans living here!  Investing is only for rich men in suits… right? LOL. Nope. Not here. Whether you:   - Don’t know what a portfolio is - Feel intimidated by the word “investing” and by the whole process - Or secretly worry you’re “just not a money person”… You’re in the right place. I’m Francesca Torre and every Monday and Thursday, I break down personal finance, money mindset, and beginner investing in plain English with zero shame, spreadsheets, or stress. I didn’t grow up knowing any of this. Even during my early years as an investment banker, I was terrified to invest my own €1,000 despite managing millions for clients. But that’s when I started. Slowly, awkwardly, imperfectly. Now? I built a 7-figures portfolio and as the founder of Centsational Women (#1 Investing Academy for Women in Europe) I’ve helped hundreds of European women grow their money with confidence no finance degree (or spreadsheets) required. If you’ve ever thought:   “I’m too behind…” “I’m bad with numbers…” “Investing isn’t for someone like me…” Press play — and get ready to prove yourself wrong. We’ll prove you wrong (and you’ll thank us later). 🎧 Ready to take the first step?Join my free investing workshop, made for women in Europe who are ready to stop Googling and start growing. 👉 👉 Click HERE to save your spot instantly  Legal disclaimer Content on this podcast is for educational purposes only and not financial advice. The content hereby broadcast does not include any personalized investment advice nor any recommendation. Likewise, the content is not aimed at the remote promotion or distribution of financial products or investment services. Views expressed are personal opinions. Investing involves risks. Perform your own research. Please refer to our Terms & Conditions on our website. 

Information

  • Creator
    Francesca Torre (Centsational Women CEO and Founder). Inspired by voices like Oprah Winfrey, Martin Lewis, Ramit Sethi, Mel Robbins, Warren Buffett, Ray Dalio, Charlie Munger, Bill Ackman, Ray Dalio, Benjamin Graham, Peter Lynch, Brené Brown, Morgan H
  • Years Active
    2023 - 2026
  • Episodes
    238
  • Rating
    Clean
  • Copyright
    © 2026 Centsational Women Investing: Personal Finance, Wealth & ETF Investing for European Women
  • Show Website
    Centsational Women Investing: Personal Finance, Wealth & ETF Investing for European Women

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