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

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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250

Latest episode

Oct 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.

Listen to episodes

60 recent

October 26, 2026Episode 2528 min

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: 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...

October 22, 2026Episode 25113 min

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 loud Why having a financial advisor can still leave you without a seat at your own tabl The woman who bought her way into a room of 1,300 men, and what they refused to give her when she walked in Your 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: 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...

October 15, 2026Episode 25012 min

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 autopilot How much money you need before winging it becomes a choice instead of a risk The pension trap catching women who have built careers across more than one European country If 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: 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...

October 12, 2026Episode 2499 min

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 up Where the real danger lives, and why it will still be there long after hurricane season ends 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...

October 8, 2026Episode 24812 min

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 conversation The one sentence Melanie uses at five-star hotels, and why it works just as well on your boss What 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: 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...

October 5, 2026Episode 2478 min

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 mortgage What researchers found when they followed people who moved to a bigger home The 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: 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...

October 1, 2026Episode 24614 min

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 urge Where healthy financial privacy ends and secrecy starts eating away at a relationship The emergency fund mistake couples make that leaves one partner unable to stand on her own two feet The role you may have slipped into around money without noticing, and why it hands your future to someone else What surfaces in a marriage once one partner starts learning to invest 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...

September 28, 20268 min

245. Portfolio Mistake: Your Bank Called You Diversified. You Bought the Same Thing 20 Times

Send us Fan Mail Markets keep breaking records. You opened your app, and your number barely moved. You did everything right. You spread your money across funds. Your bank told you that you were well diversified. You believed them. This week, we open up a portfolio that looks perfect on paper and ask the one question your bank statement will never answer for you. You'll also find out what your bank advisor has in common with Francesca's first boyfriend. If you own more than a handful of funds and you're not sure what's inside them, press play before you touch anything. 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...

September 24, 2026Episode 24417 min

244. Ask for It or Stay Broke: DO THIS INSTEAD

Send us Fan Mail You've been treating "no" like a verdict on you. It isn't. It's just the first move in a conversation you keep walking away from too early. This week on The Ask, all four of us are unpacking what actually happens when you hear no, and why it costs you so much more than the moment itself. What rejection does in your body long after the word is said How women who ask for a living hear a no completely differently than you do, The no that once nearly rerouted one of our entire careers The reframe that turns "no" from a closed door into information you can actually use Every no you've never risked hearing has already cost you something. Book a call with our team and let's find out what it's cost you, and what the next ask could hand you instead. 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...

September 21, 2026Episode 2435 min

243. Being "Up" Doesn't Mean You're Winning: Your 3% 'Win' Could Be Costing You Money

Send us Fan Mail You open the app. You see green. Your shoulders drop, relieved. You move on with your day. But a positive number, on its own, tells you nothing. In this episode: Why the return you're proud of could already be underperforming with zero way of knowing it The one thing that decides whether "up" means you actually won, or just got lucky Why "just wait it out" isn't always the right instinct when you're down The tool every Centsational student learns to build for herself because your statement was never built to answer this If you've ever felt fine about a return and wondered whether you should feel more than fine, 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: 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...

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