Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

Hosted by Germaine Foley | Financial Coach

Investing Education

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Episodes

201

Latest episode

Oct 2026

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EN-US

About the show

A personal finance podcast for women who make good money but still struggle with overspending, credit card debt, and/or saving money. This isn’t about strict budgets or deprivation, it’s about getting to the root of why money still feels hard even though you’re successful in other areas of your life. Hosted by Germaine Foley, the show focuses on mindset and building systems that actually work in real life. If you’ve paid off debt before, grown your business, or made more money but still feel stuck, there’s nothing wrong with you. Overspending and financial stress aren’t a lack of discipline, they’re a sign that the strategies you were taught don’t fit your real life. This show helps you understand what’s actually happening beneath the surface so you can finally change it. Each episode offers honest conversations, practical insights, and a new way to think about money that supports both your life now and your long-term goals. If you’re ready to stop stressing about money all the time and start moving forward, you’re in the right place.

Listen to episodes

60 recent

October 20, 202633 min

200. 12 Money Truths Every Woman Needs to Hear About Saving, Debt, Investing, Spending, and Building Wealth

Two hundred episodes. That is a lot of conversations about money. And after all of those episodes, years of coaching women, and plenty of lessons from my own financial life, there are a few things I know for sure. Some of them may challenge the way you think about money. Some may sound familiar. And some may be exactly what you need to hear right now. In this special 200th episode of Becoming the Wealthy You , I’m sharing 12 money truths I’ve learned about women, money, and what it actually takes to build wealth. We’re talking about: Why making more money does not automatically fix money problems. Why your financial past does not have to determine your future. Why overspending is often about more than what you buy. Why getting out of credit card debt is only part of the goal. Why building wealth does not require giving up your life. Why investing matters, but so does what happens before the money gets invested. Why support can sometimes be the missing piece. This is one of those episodes I want you to listen to slowly. Not because you need to agree with every single point. But because I think at least one of these 12 truths is going to make you stop and think about your money differently. And maybe that one shift is exactly what you need next. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

October 13, 202624 min

199. ADHD and Money: 6 Practical Strategies to Make Managing Money Easier

Managing money can feel like a lot. Remembering what needs to be paid. Trying not to overspend. Figuring out how much to save. Deciding what you can spend. Trying to stay consistent. And if you have ADHD, some of those things can feel even harder to manage. That’s why this week we’re moving from mindset to practical strategies. In Episode 198, we talked about the way your mindset can influence what you believe about yourself and your financial future if you have ADHD. This week, we’re talking about what you can actually do to make managing money easier. I’m sharing six practical strategies you can experiment with if impulsive spending, staying organized, remembering what needs to happen, or consistently following through with your money has been difficult. We’ll talk about things like: Creating clearer boundaries around spending. Making impulse purchases a little less automatic. Using systems so you don’t have to remember everything yourself. Reducing the number of money decisions you have to make. Making it easier to follow through on saving and debt goals. What to do when you get off track so one decision doesn’t turn into months of avoiding your money. And you do not need to have ADHD for these strategies to be helpful. If managing money feels harder than it should, I think you’ll find at least one idea in this episode that makes things feel a little easier. You don’t need to implement all six. Pick one or two that make sense for you and start there. If you want even more practical strategies, I created a free guide called Money and ADHD: 9 Practical Strategies to Help You Manage Spending and Build Better Money Habits. Click Here to grab your free copy. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

October 6, 202625 min

198. ADHD and Money: The Mindset That May Be Keeping You Stuck

"I have ADHD, so I'm just never going to be good with money." Have you ever told yourself something like that? Maybe you've tried budgeting more times than you can count. You start saving money, but somehow the savings never seem to stay there. You make progress paying down your credit cards, only to find yourself dealing with the balances again. Or maybe impulse spending is something you've been trying to get under control for years. And after trying so many different things, you start wondering whether managing money is just always going to be difficult for you. But what if there's something about the way you're thinking about your financial future that deserves a closer look? In this episode of Becoming the Wealthy You , we're talking about ADHD and money, specifically how the beliefs you have about yourself can influence the way you approach managing your finances. And whether you've been diagnosed with ADHD, suspect you might have it, or don't have ADHD at all, I think there's something in this conversation for you. We'll get into: Why ADHD can make certain aspects of managing money more challenging. How years of frustration with overspending, saving money, or budgeting can influence what you believe about yourself. The difference between acknowledging a real challenge and deciding what that challenge means for your future. Why the financial strategies you've tried in the past may not have worked for you. How to begin thinking differently about what's possible for your financial life. I'm not an ADHD expert or a mental health professional. I'm a money coach who has worked with women who have ADHD, and I believe it's important to consider the whole person when figuring out how to manage money. Because there's no single approach to money management that works for everybody. And if you've spent years believing you'll never be good with money, I especially want you to hear this episode. Free Resource: ADHD and Money I've created a free guide called: ADHD and Money: 9 Practical Strategies to Help You Manage Spending and Build Better Money Habits. Inside, you'll find practical strategies to explore if impulse spending, financial routines, or managing money consistently have been challenging. Click Here to get your free guide And be sure to come back next week for Episode 199, when we'll take this conversation further and talk about ADHD-friendly spending strategies. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

September 29, 202619 min

197. Why You Keep Starting Over With Saving Money and Paying Off Debt

Remember how excited you were the last time you decided you were finally going to get your finances together? You had a plan. You knew how much you wanted to save, how much credit card debt you wanted to pay off, and what you needed to change about your spending. And for a while, you were doing great! But then a few weeks went by. Maybe you overspent one weekend. Maybe an unexpected expense came up. Or maybe you simply stopped feeling as motivated as you did when you started. And before you knew it, you weren't doing the things you were so excited about doing just a few weeks earlier. Sound familiar? In this episode of Becoming the Wealthy You, we're talking about why so many of us start strong when it comes to changing our finances but have a hard time following through long enough to get the results we want. We'll get into: Why the excitement you feel when starting a new financial goal can be misleading. What happens when you're making progress but no longer feel motivated. Why one weekend of overspending can sometimes turn into months of avoiding your money. What it takes to keep moving toward your financial goals when things don't go according to plan. How to approach saving money, paying off credit card debt, and changing your spending habits differently. If you've ever felt like you're constantly starting over with your money, this episode will give you something important to think about. Because the real test isn't always how excited you are when you begin. It's what happens when that excitement is gone. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

September 22, 202634 min

196. Values-Based Spending: How to Stop Overspending Without Going on a Strict Budget

If you make good money but still find yourself overspending, carrying credit card debt, or wondering why your savings is not where you want it to be, this episode is for you. This week, I’m bringing back one of my MVP episodes, one of the most valuable episodes I’ve released. And this conversation on values-based spending is one I really want you to hear. Because overspending is not always about a lack of discipline or self-control. A lot of us were simply never taught the skill of spending money in a way that supports our values, our goals, and the financial life we actually want. In this episode, we’re talking about how to stop overspending without going on a strict budget or giving up everything you enjoy. We’ll get into: What values-based spending actually looks like. Why spending more intentionally does not mean becoming frugal or restrictive. How to identify what is truly worth spending your money on. Why overspending can keep you stuck in credit card debt and low savings. How to make sure your spending supports the life you want now and the future you are building. If you are making $100K, multiple six figures, or close to it, but still feel like your money is not creating the financial progress it should, this episode will help you look at your spending differently. Because the goal is not to stop spending. The goal is to stop funding things that do not matter to you so you have more money available for the things that do. More savings. Less credit card debt. A retirement account that is on track. Vacations you can enjoy without going into debt. And the feeling that you are finally in control of your money. Note: This episode was originally part of a series and refers to the consultation as a Wealth Building Consultation. It is the same Private Money Coaching Consultation offered today. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

September 15, 20261 hr 6 min

195. Why Making $100K+ Still Doesn’t Make You Feel Financially Secure

This week, I’m doing something a little different. I recently taught a live money training for women earning $100K or more who feel like they should be further ahead financially, and I decided to share the full training with you here on the podcast. Because if you make good money but still find yourself dealing with credit card debt, low savings, or that quiet feeling of “I should be further along by now,” I really want you to hear this conversation. In this training, we talk about why making more money is not always the answer and why a strict budget is not the answer either. Because if more income or more restriction were enough, this would already be fixed. Instead, I’m walking you through the deeper reasons so many high-earning women stay stuck in the same money cycles, even when they are smart, successful, and fully capable in every other area of life. We’ll talk about: Why making $100K or more does not automatically create financial security. Why credit card debt can keep coming back even after you pay it down. Why savings can grow and then get pulled right back out. Why your brain may keep recreating the same financial experience at different income levels. Why spending, self-concept, and systems all matter when it comes to changing your financial life. This episode is longer than my usual episodes because you’re getting the full class. So listen while you walk, drive, fold laundry, or do whatever you need to do. And as you listen, I want you to pay attention to where you see yourself. Because once you understand why the cycle keeps happening, you can start changing it. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

September 8, 202624 min

194. Why Money Feels Like the One Thing You Can’t Figure Out

If you’re successful in so many areas of your life, but money feels like the one thing you can’t figure out, this episode is for you. Maybe you have a successful career. Maybe you make six figures. Maybe you’re doing well in your business, your relationships, your family, or other parts of your life. But when it comes to your finances, it can still feel like you are banging your head against the wall. The credit card debt keeps coming back. The savings never gets where you want it to be. You make progress, but then somehow end up feeling like you are starting over again. And you may start wondering, “Why can I figure out so many other things, but I can’t seem to figure out my money?” In this episode, we’re talking about three reasons money may feel like the one area of your life you cannot seem to get under control. We’ll get into: Why the way you see yourself with money matters. How old money stories can keep pulling you back into old financial results. Why spending may be responsible for too much in your life. Why trying to solve emotional spending with math does not work long term. How the way your money is set up may be keeping you in the same debt and savings cycle. If you make good money but still feel stuck with credit card debt, overspending, or saving money consistently, this episode will help you see what may actually be happening. Because this is not about being bad with money. It may be that you have been trying to solve the wrong problem. And once you understand what is really creating the pattern, you can start changing it. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

September 1, 202625 min

193. Building Wealth Starts With Getting Out of Credit Card Debt & Saving Money

If you make good money but still have credit card debt and not enough savings, this episode is for you. You may be earning six figures or multiple six figures. You may have a good career, a strong income, or a growing business. You may even be investing in your 401k, IRA, or other accounts. But if you are still carrying high-interest credit card debt and your savings is not where you want it to be, it can be hard to feel financially secure. In this episode, we’re talking about why building wealth starts with getting out of credit card debt and saving money. And while investing, real estate, business ownership, and becoming a millionaire can absolutely be part of building wealth, for many women, the first wealth-building goal is much more foundational. Getting out of high-interest credit card debt and learning how to stay out. Building enough savings so life can happen without sending you right back into debt. Creating the kind of financial foundation that allows wealth to actually stick. We’ll get into: Why making good money does not always mean you feel financially secure. Why credit card debt can keep your income tied to the past. Why saving money is not just basic, but a major part of building wealth. How a shaky financial foundation makes it harder to invest consistently. Why building wealth starts with creating stability, margin, cash flow, and peace. If you’ve been trying to build wealth while still carrying credit card debt or watching your savings go up and down, this episode will help you think about wealth-building differently. Because wealth is not just money in an investment account. Wealth is also having a financial life that is strong enough to support you. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

August 25, 202622 min

192. Why Your Bonuses Don’t Help You Stay Out of Credit Card Debt

If you’ve ever told yourself, “I’ll just pay it off with my next bonus,” this episode is for you. Maybe it was a bonus. A commission check. An incentive payment. A client contract. A busy-season income boost. Or some other money you knew was coming in the future. And in the moment, that future money made the spending feel okay. It felt like reassurance. It felt like permission. It felt like a plan. But then the money finally arrived, and instead of helping you get ahead, it had to clean up what already happened. In this episode, we’re talking about why your bonus, commission, or extra income may not be helping you pay off credit card debt or build wealth the way you expected. We’ll get into: Why “I’ll pay it off with my bonus” feels responsible, but may keep you stuck. How future income can become permission to spend today. Why bonuses often feel like cleanup money instead of extra money. The difference between strategic credit card use and using credit cards to borrow from future income. The question to ask before you use future money to justify present spending. If you make good money but your bonuses, commissions, or extra income always seem to disappear before they help you move forward, this episode will help you see the pattern more clearly. Because your bonus should not always go to cleaning up the past. It should be able to move your life forward. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today

August 18, 202611 min

191. Why You’re Still Not Saving Money or Paying Off Debt Consistently

If you know you want more savings, less debt, more money invested, and more peace around money, but you can't get yourself to do those things consistently, this episode is for you. Because the financial life you want is not just about what you want to have. It is also about who you are becoming with money. In this episode, we’re talking about why saving money, paying off debt, investing more, and feeling more in control financially requires more than information. It requires a different relationship with money. A different identity. Different habits. Different standards. Different decisions. And a different way of showing up with the money already in your life. We’ll get into: Why focusing only on the outcome may keep you stuck. Why the woman who has the financial life you want handles money differently. How today’s money habits create tomorrow’s financial life. Why information alone does not create lasting change. The question that can help you think differently about your financial future. If you’ve ever thought, “I know what I should be doing with money, but I’m not doing it consistently,” this episode will help you see what may actually need to change. Because the goal is not just to save more, pay off debt, or invest more. The goal is to become the woman who naturally creates those results over and over again. Ready for support? If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation. This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently. Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster. Click Here to Schedule yours today