In this annual State of the Union episode, I’m sharing what’s officially in and out for me in 2026 - from habits and routines to mindset shifts, consumption patterns, and how I want my life to feel going into the new year. We talk about de-centering excessive scrolling, refining consumption, prioritizing sleep and mental health, and leaning harder into hobbies, creativity, and long-form content. I also share the wellness routines, lifestyle shifts, and creators that are inspiring me right now as I move into a slower, more intentional season. This episode is less about resolutions and more about direction — what I’m choosing to give energy to, and what I’m consciously letting go of. 🎧 Topics include: 👉🏻 My 2026 “outs” (habits, patterns, and energy drains) 👉🏻 My 2026 “ins” (routines, hobbies, wellness, and creativity) 👉🏻 De-centering scrolling, drinking, and over-committing 👉🏻 Sleep hygiene, mental health, and early mornings 👉🏻 Analog hobbies, classes, and learning for joy 👉🏻 Creators I’ve been loving lately (on IG/TT) @glowwithella , @thewellnessprocesspod , @beccahimsworth , @gabrielleaihara , @kayliestewart, @plantbasedbaby Subscribe to Beyond Your Budget: https://breakyourbudget.substack.com/ 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 💳 Tools + Cards I Use: Rakuten Cash Back: https://shorturl.at/w0PcH SoFi HYSA: https://wealthlink.me/michela-sofi-hysa AmEx Platinum: https://tinyurl.com/mpf7u7uy Bilt Rewards: https://tinyurl.com/4kd8s33a Blue Cash Everyday: https://tinyurl.com/yrcbr2ac 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 💸 My ShopMy: https://shopmy.us/shop/michelaallocca TIMESTAMPS: 0:00 – Welcome + 2026 State of the Union overview 2:30 – Gratitude, podcast growth, and leaning into long-form content 5:15 – OUT: Excessive scrolling and low-value TikTok consumption 8:45 – OUT: Drinking culture, over-committing, and overworking 12:30 – OUT: Overconsumption and low-quality spending habits 16:00 – OUT: Anxiety patterns, late nights, and decentering dating 20:30 – IN: Elevated casual living and daily luxuries 23:45 – IN: Tea rituals, bricking my phone, and analog hobbies 27:15 – IN: Early mornings, reading, sauna, and wellness routines 30:00 – Creators I’ve been loving + closing thoughts for 2026