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

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. 2d ago

    253. Two Kids Earned Their Own Money in ONE Week. What They Did Next Should Embarrass Us.

    Send us Fan Mail This summer, Dagmar’s boys took real jobs in a city built only for children. Real shifts, real pay, real choices. And she watched them do something with that money that most grown women never dare to do. If the idea of giving money away makes your chest tighten, what is that fear really protecting? In this episode, you’ll discover: What two kids did on their last day of work The question Melanie asks herself before she gives a single euroWhy your fear of giving has very little to do with how much you haveWant to give the way you choose, without guilt or fear attached? It starts with money that feels solid under your feet. Listen 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...

  2. 5d ago

    252. Investing for Women: Same Two Years, She Has €47K and You Have Zero. THIS Is Why

    Send us Fan Mail Two women. Same starting line. Same two years. Same markets. One (our student) has built more than €47,000 and is now going for €100,000. The other has almost nothing to show for it. She didn’t earn more. She didn’t get lucky. And she isn’t “good with money.” So what happened in those twenty-four months? In this episode of Espresso & the Economy, we tell both stories, month by month. One of them will feel uncomfortably familiar. You’ll also hear why last week was the perfect week to turn into the wrong woman, and what your body does before your head even gets a vote. At the end, there’s a question to ask yourself before you open your investing app again. Your first reaction to it will tell you which of the two women you are. Press play and find out. 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. Oct 22

    251. You Say You Want to Invest for Better Returns. That’s a Lie, and Your Real Reason Is THIS.

    Send us Fan Mail “I just want better returns” Every woman says it on her first call. Almost none of them mean it. This week at the Aperitivo, all four of us sit down together to talk about the reason behind the reason. The reason you might not have admitted to yourself yet. In this episode, you’ll discover: What Melanie hears in the first 20 minutes of a call that most women never say out loudWhy having a financial advisor can still leave you without a seat at your own tablThe woman who bought her way into a room of 1,300 men, and what they refused to give her when she walked inYour reason is yours. Listen 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...

  4. Oct 15

    250. Women and Money: You’d Fire Any CFO Who Ran Your Finances Like THIS

    Send us Fan Mail You’d never run a company with no budget and no plan. So why are you running your own life that way? Are you the unpaid CFO of your own life, doing the job badly without even knowing it? Most women who wing it with money aren’t careless. Nobody ever sat them down and taught them. Melanie left home at 18 with no one to explain the basics. Kristin grew up surrounded by money until 2008 changed everything for her family. Dagmar was a university graduate on a good salary, sure her retirement was “taken care of.” It wasn’t. In this episode you’ll hear: The signs you’re running your finances on autopilotHow much money you need before winging it becomes a choice instead of a riskThe pension trap catching women who have built careers across more than one European countryIf you finish this episode realising you’ve been winging it, good. That’s the best place to start. 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. Oct 12

    249. Cat Bonds Pay You to Bet Against Hurricanes. Say Yes Without Knowing THIS and Your Money Pays for the Storm

    Send us Fan Mail Cat bonds are coming closer to you, maybe straight to an app on your phone. And they sound perfect. So before anyone pitches you one, grab your coffee. In under ten minutes, we explain what a cat bond is in plain language and walks you through what never makes it into the advert. In this episode, you’ll discover: What you’re really signing up for when you buy a cat bond What happens to your money the day the “rare” event actually shows upWhere the real danger lives, and why it will still be there long after hurricane season endsListen 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...

  6. Oct 8

    248. Money Mindset: You Fought Harder for a Hotel Upgrade Than for Your Own Wealth. Stop THIS.

    Send us Fan Mail You'll bargain over a dress without blinking. You'll push for the room upgrade. Then the number on the table is your own salary, your own savings, your own wealth, and suddenly you go silent. The full team gets into what changes in your body between haggling for a handbag and asking for what you're worth. And why so many of us have been sharp negotiators all along, just in the wrong places. In this episode, you'll discover: Why your nervous system stays relaxed at the market and locks up in a salary conversationThe one sentence Melanie uses at five-star hotels, and why it works just as well on your bossWhat a hotel check-in in Seville reveals about who gets the upgrade and who gets told "nothing's available"What happened when a Dubai shopkeeper downgraded Melanie from "Arabian princess" to "Shakira"Your negotiation instinct was never missing. Want to point it at your own number? Listen 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...

  7. Oct 5

    247. Wealth Building: Buy the Bigger Home Before THIS and Pay for It Forever

    Send us Fan Mail You got the raise. You bought the bigger home. Everyone said congratulations. So why do so many women feel poorer three years later? In this episode, you'll discover: The costs no bank puts in the maths when it says yes to your mortgageWhat researchers found when they followed people who moved to a bigger homeThe question we ask every woman before she signs anything big (most women can't answer it)Ready to answer it with your own numbers? Listen 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...

  8. Oct 1

    246. Financial Freedom: Can't Afford to Leave? Then You Never Chose to Stay

    Send us Fan Mail There's money in your life that one person doesn't know about. Maybe it's a savings account. Maybe it's a number you quietly round down when someone asks. This week at the Money & Martinis table, the doors are closed and nobody is judging. We open up secret accounts, hidden savings and the exit plans so many women keep without ever saying them out loud. We want to know what that money is guarding you from. In this episode, you'll discover: Why your body might want a hidden account even in a relationship you trust, and the family history that could be driving the urgeWhere healthy financial privacy ends and secrecy starts eating away at a relationshipThe emergency fund mistake couples make that leaves one partner unable to stand on her own two feetThe role you may have slipped into around money without noticing, and why it hands your future to someone elseWhat surfaces in a marriage once one partner starts learning to investListen 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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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. 

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