Don't Depend On Daddy

Michela Allocca - Break Your Budget
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  • يتم التحديث أسبوعيًا

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. قبل ٦ أيام

    128. Why Your 20s Are for Testing & Your 30s Are for Building

    Welcome back to Don’t Depend on Daddy! Today’s episode is all about the biggest differences between your twenties and your thirties. As someone who just turned 30, I’ve been reflecting a lot on how these two decades are framed — and what’s actually true when it comes to money, career, lifestyle, and mindset. 💡 Here’s what we’ll cover: 👉🏻 Why your twenties should be about testing, experimenting, and learning 👉🏻 The financial, career, and lifestyle shifts that happen in your thirties 👉🏻 How to navigate comparison, milestones, and expectations at different ages 👉🏻 My personal lessons from both decades TIMESTAMPS: 00:00 – Intro & why your 20s vs. 30s matter 01:00 – Housekeeping + finance tools I use 03:00 – 20s are for testing: career, money & lifestyle 07:00 – Getting the financial basics right in your 20s 09:00 – Careers in your 20s: job hopping, side hustles & portfolio paths 12:00 – Lifestyle in your 20s: moving, friendships & comparison 16:00 – Mindset experiments: coping, routines & self-soothing 20:00 – Shifts in your 30s: stability in money, career & lifestyle 27:00 – Therapy, confidence & elevating your 30s life 32:00 – Action items: what to try in your 20s vs. reflect on in your 30s BREAK YOUR BUDGET RESOURCES: 💸 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template 💸 FI/RE Template: https://breakyourbudget.com/fire-template 💸 NEW RENT VS. BUY CALCULATOR https://breakyourbudget.com/rent-vs-buy-calculator ALL THE ACCOUNTS/ TOOLS I USE: 💸 www.breakyourbudget.com/toolkit ✅ 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/

    ٣٦ من الدقائق

  2. ١٧ سبتمبر

    127. Fall State of the Union: What's In & Out For Me This Fall

    Welcome back to Don’t Depend on Daddy! In this episode, I’m sharing my Fall 2025 Ins & Outs—from routines and money habits to cozy lifestyle swaps. These episodes are some of my favorites to record, and I’d love to hear what’s on your ins and outs list this season. 🍂 We’ll cover: 👉🏻 My take on pumpkin spice & fall overconsumption 👉🏻 Why I’m ditching the “great lock-in” hustle mindset 👉🏻 The small changes that are making my fall feel more intentional 👉🏻 What’s making life cozier and more aligned this season TIMESTAMPS: 00:00 – Intro & Fall State of the Union 01:00 – Housekeeping + finance tools I use 03:00 – Rent vs. Buy calculator update 05:00 – Why these ins & outs are just for fun 05:30 – Outs: Pumpkin spice, fall overconsumption, football, & “great lock-in” hustle 13:30 – In: Coworking spaces & community 16:00 – In: Fall baking & cooking 17:30 – In: Pilates & movement 18:30 – In: Jewel tones, Beyond Yoga sets & cozy athleisure 23:30 – Hot coffee mornings + LA back in the mix BREAK YOUR BUDGET RESOURCES: 💸 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template 💸 FI/RE Template: https://breakyourbudget.com/fire-template 💸 NEW RENT VS. BUY CALCULATOR https://breakyourbudget.com/rent-vs-buy-calculator ALL THE ACCOUNTS/ TOOLS I USE: 💸 www.breakyourbudget.com/toolkit ✅ 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/

    ٢٩ من الدقائق

  3. ١٠ سبتمبر

    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/

    ٤٨ من الدقائق

  4. ٣ سبتمبر

    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/

    ٣٩ من الدقائق

  5. ٢٧ أغسطس

    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/

    ٤٠ من الدقائق

  6. ٢٠ أغسطس

    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/

    ٣٦ من الدقائق

  7. ١٣ أغسطس

    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/

    ٢٣ من الدقائق

  8. ٦ أغسطس

    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/

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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.

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    Michela Allocca - Break Your Budget
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