Centsational Women Investing

Hosted by 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 House

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232

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Aug 2026

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About the show

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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August 17, 2026Episode 2337 min

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 guess Why markets fall fast and climb slow, and what that hidden timeline is quietly costing you The one question that reveals whether you're making a real investing decision, or just avoiding one What actually separates a stock that comes back from one that never does A simple test to run the next time a position drops, before you check the app for the tenth time This 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: her e. 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...

August 13, 2026Episode 23219 min

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: her e. 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...

August 10, 2026Episode 2316 min

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 read Why one right prediction feels like far more proof than it should The single question to ask before trusting anyone's track record with your money Why the loudest voice in your feed is rarely the most reliable one 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: her e. 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...

August 6, 2026Episode 23014 min

230. Money & Sex: The Data Showing Why Financially Anxious Women Have Worse Sex

Send us Fan Mail Martinis poured, doors closed the Centsational ladies say the quiet part out loud. There's a real number from actual research that ties two things you've never once put in the same sentence, and once you hear it, you won't be able to un-hear it. They get into why your body can't fully let go with anyone — a partner, a friend, yourself — while a part of you is still standing guard at your bank account. Why the same shame that shows up around your body shows up around money, in the exact same place. And what actually happens, in every part of a woman's life, when she stops being financially anxious and starts being financially safe. There's also a dinner-bill moment that gets uncomfortably honest, an open question about money and desire that neither of them can fully answer, and a line about wanting things out loud that's going to sit with you for a while. This isn't the episode where we teach you to invest. It's the one where you find out why you haven't started yet. 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: her e. 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...

August 3, 2026Episode 2293 min

229. Portfolio Risk Mistake: Why A Good Market Year Is Hiding How Badly Yours Is Actually Built

Send us Fan Mail You check your banking app. Markets are up this week, and so is your number. You feel fine. Maybe even a little proud of yourself. But fine, in a good market, doesn't tell you what you think it tells you. A rising market can hide a badly built portfolio for years. Nothing looks wrong, because almost everything looks fine when the tide is coming in. The real test only shows up later, when the tide goes out, and by then it's expensive to learn the truth. In this episode, we explain why that feeling of "fine" can be exactly the moment your portfolio is quietly failing you, and why a good market is the easiest place in the world to miss it. There's a trap a lot of "safe" portfolios fall into without anyone noticing, until the one week it really matters. She names it, and gives you one simple thing you can check today, before the market checks it for you. In this episode, you'll learn: Why a good year in the markets tells you almost nothing about whether your portfolio is actually well built. The trap that quietly catches a lot of "safe" portfolios, and why it stays invisible until the market turns. Why "I feel fine about my money" is the wrong test, and what that feeling actually hides. One simple check you can run today, in five minutes, before the next downturn forces the question on you. Why two portfolios can look identical in a good year and be built completely differently underneath. If this episode made you want real answers about what you're actually holding, instead of just hoping it's fine, come join our free Investing Workshop. 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: her e. 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...

July 30, 2026Episode 22814 min

228. Salary Negotiation For Women: Why Your 20% Raise Is Actually A Trapped Identity Keeping You Underpaid & Overworked

Send us Fan Mail She was thrilled with her 20% raise. Then a male colleague mentioned, almost in passing, that he wouldn't take a job for less than 50%. That's the moment everything cracked open and it's where this episode starts. Being excellent at your job and being paid for it are two completely different skills. The world only ever trained you in one of them. In this episode, we unpack why competence and compensation come apart for women specifically — the conditioning, the fear of "upsetting the bear," the years of being praised for being easy instead of being paid what you're worth. In this episode: Why women are socialized to feel "lucky" instead of underpaid The real reason companies discourage you from discussing salaries Why the same ask lands as "ambitious" for a man and "demanding" for a woman The line that reframes everything: the ask and the invest are the same act Because a bigger salary is just a bigger number that evaporates by the end of the month, unless you also learn to hold, direct, and grow it. 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: her e. 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...

July 27, 2026Episode 2278 min

227. What Is "Good Debt" — and Why Rich Women Use It on Purpose

Send us Fan Mail Most of us were handed one flat rule about money as children: debt is bad. Debt is danger. Debt is the thing that ruins people. And for a lot of women, it's wrapped in something heavier than logic — shame, and the quiet belief that owing money means you failed. So we build our whole financial identity around avoiding it. It feels responsible. But in this Espresso, Francesca gently makes the case that running from debt entirely isn't sophistication — it's fear wearing a nice coat. And it's costing you more than you think. Debt, on its own, is neither good nor bad. It's a tool — and everything depends on what you do with it. In this episode: Why "I don't like owing anyone anything," said like a badge of honour, may be one of the most expensive sentences a woman can carry The difference between good and bad debt Why the loudest voices shouting "it's all going to crash" usually understand debt the least and how to hear them without being shaken Ready to go deeper? If this cracked something open — that "nobody ever actually taught me this" feeling — that's exactly what our programs help you with! Book a call to hear more. 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: her e. 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...

July 23, 2026Episode 22616 min

226. Building An Investing 'F-You Fund' Is Controlling Your Entire Life: Do THIS To Stop Bleeding Cash Before You Quit

Send us Fan Mail Your grandmother's generation had a name for it and they kept it a secret, tucked in a drawer. In this episode of the Centsational Aperitivo, we're pouring a slightly spicier glass and talking about something almost no one teaches women directly: the money that is entirely yours. It goes by many names running away money, freedom money, peace-of-mind money. But it has almost nothing to do with running away. It's not about a dramatic exit or a relationship gone wrong. You can be happy in your marriage, your home, your job and still need it. Because when you know you're staying by choice rather than by financial necessity, everything about how you show up changes. You're no longer dependent. You're interdependent. You're free. We get honest about why so many smart, capable, loving women have exactly zero of it and why that's not a personal failing but the result of conversations that never happened, especially the ones that feel almost impossible to have when everything is fine . We talk about the woman who stepped back from her career to raise children and quietly lost her sense of financial self-worth. We talk about the boss who thought he could decide whether attending a family funeral would cost you your job. And we talk about what it actually feels like to reach a point where someone else gets to decide where you live, what you keep, and what your future looks like. This one is tender, a little fierce, and deeply practical. By the end, you'll understand why the moment everything is perfect is precisely the moment this message matters most. What you'll take away: Why "running away money" is really about staying and how it quietly transforms the power balance in any relationship, romantic or professional The conversation to have early , before it ever feels needed, and why it becomes almost impossible to raise later How to value and structure your financial independence even if you've stepped back from paid work to care for your family Why freedom isn't just about the amount in the account; it's about who has access, and on whose permission If you've ever felt that quiet flicker of "but what if" even inside a life you love this episode is your invitation to build real ground beneath your feet. 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: her e. 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...

July 20, 2026Episode 22512 min

225. Investing Mistake: Why Chasing "Hot" Stocks Is Just Texting The Ex Who Only Wants You Back Now That You've Moved On

Send us Fan Mail There's a moment almost every woman knows. It's late, you're on your phone, and a stock — a sector, a "theme" — keeps coming up. The chart is going up and up, someone you know apparently made a lot, and something in your chest does a little flip. Everyone's getting this except me. I'm late. I should do something. In this episode of Centsational Women Investing, we sit with that flip — and why it has quietly cost smart, capable women more money than any market crash ever has. Because the hard part of investing is rarely knowing what to buy. It's knowing what to leave alone, especially when it's rising, and especially when leaving it alone makes you feel like you're missing out. This is an episode about the most underrated skill in all of investing: the discipline of the elegant no. We look at why a rising price feels like proof when it almost never is, why the opportunities everyone is talking about right now — artificial intelligence, data centres in space — can be exactly the ones a grounded investor chooses not to touch, and how to tell the difference between what's simply available to buy and what's genuinely good to own. What you'll take away from this episode: Why "it's going up" is not a reason — and the behavioural trap (recency bias) that turns recent performance into a false sense of quality in almost every investor's mind. Why the things everyone is chasing behave a lot like the ex who only texts the moment he hears you've moved on — hot because they're wanted, not because anything real has changed. A simple radar for spotting "record growth" that's really just money moving in a circle — so you can read a financial headline and sense when the numbers are moving from one pocket to another and calling it a raise. The difference between available and good , and why the strongest portfolios are built as much from what you have the discipline not to buy as from what you choose to own. And the physical reason information alone never makes a calm investor and what actually does. You'll also leave with one plain-language question you can ask yourself before you buy anything. Simple enough to answer in the supermarket queue, powerful enough to change how you invest. 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: her e. 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...

July 16, 2026Episode 22423 min

224. Luxury Spending Mistake: The Birkin Test That Reveals If You're Buying Status Or Building Wealth

Send us Fan Mail In this episode, we pour the martinis and ask the one question that quietly separates a real investment from an expensive way to feel important: would you buy this thing if you could never show it to anyone or tell anyone about it? In this episode: The question that reveals whether you're buying the object or buying your own status Bought status vs. earned status — and why one disappears while the other can never be taken from you What the Birkin "14% a year" claim leaves out (and who's really making that math work) The moment status is a smart tool, and the moment it's just money that could have worked harder elsewhere Why the real luxury isn't the object — it's being the woman who understands her money so completely she can hold the bag and the freedom If you saw a little of yourself in this, come join our free Investing Workshop — where we walk you through how investing actually works for women in Europe, without the "the problem must be me" feeling. Pour the martini, bring yourself, and we'll see you there. 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: her e. 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...