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

191

Latest episode

Aug 2026

Language

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

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

August 11, 202621 min

190. Making Good Money but Still Wondering Where It Goes?

If you make good money but still feel like too much of it is going out the door, this episode is for you. Maybe you’re earning more than you ever have before, but you still don’t have the margin, savings, retirement progress, or breathing room you thought you would have by now. Maybe you look around and think: “Where is all of my money going?” “I should have more saved.” “I should have less credit card debt.” “I feel like money comes in and goes right back out.” In this episode, we’re talking about stewardship and what it means to take care of the money that comes into your life. Not from restriction. Not from fear. And not from guilt. But from intention. We’ll get into: Why income can increase while your attention decreases. What stewardship means when it comes to money. Practical ways to take better care of your money so that you can create more margin, peace, options, and wealth. If you’ve been making good money but your financial life still does not reflect it, this episode will help you think about your money in a different way. 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 4, 202629 min

189. How to Build Wealth Without Giving Up the Life You Enjoy

If you want to build wealth but the thought of giving up everything you enjoy makes you want to avoid your money altogether, this episode is for you. For a long time, I thought getting serious with money meant living a boring, restricted, super frugal life. No more vacations. No more eating out. No more buying nice things. No more enjoying the money we worked hard for. And because that sounded miserable, I avoided dealing with my finances longer than I should have. That is why I created the Do Both Method. In this episode, I’m breaking down how you can build wealth and enjoy your life at the same time without using a strict budget or cutting out everything that makes life feel good. We’ll get into: Why strict budgeting may not be the answer for you. Why building wealth does not mean you have to stop enjoying your money. How to stop spending on things that do not truly matter. What values-based spending actually looks like. Why the money you free up needs to be redirected toward savings, debt freedom, investing, and wealth. If you make good money but still feel like your finances are not where you want them to be, this episode will help you see a different way forward. Because the goal is not to stop living. The goal is to stop letting money slip through your life and start using it to create the life you actually want. 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

July 28, 202612 min

188. The Biggest Financial Mistake Women Make After Getting a Raise

If you’ve ever gotten a raise, bonus, new client contract, or any other increase in income and thought, “This is finally going to help me get ahead,” this episode is for you. Because extra money can absolutely help you build wealth, pay down debt, save more, and create more breathing room. But only if you decide ahead of time what that money is going to do. In this short and actionable episode, we’re talking about the biggest financial mistake women make after getting a raise, and why it happens before the spending even starts. We’ll get into: What to do before the extra money hits your account. How to think about raises, bonuses, client contracts, and windfalls. Why good intentions are not the same as a plan. If you have a raise, bonus, new contract, or income increase coming soon, save this episode and come back to it before the money arrives. Because the goal is not just to make more money. The goal is to use the money you make to create real financial impact. 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

July 21, 202624 min

187. Making Good Money Isn’t the Same as Building Wealth

If you make good money but still feel like you should be further along financially, this episode is for you. Maybe you’re making more than you did five or ten years ago. Maybe you’ve earned the degree, built the career, grown the business, received the promotion, or finally reached the income level you once thought would change everything. And yet, your financial life may not feel the way you thought it would feel by now. Your savings may not be where you want it to be. You may still be carrying credit card debt. You may be investing, but wondering if you’re doing enough. And you may still feel like your income is not creating the breathing room, margin, or financial security you expected. In this episode, we’re talking about why making good money and building wealth are not the same thing. We’ll get into: Why income alone does not tell the full story. The difference between making more money and creating financial progress. Why lifestyle inflation is only part of the issue. How your financial thermostat can keep pulling you back to what feels familiar. Why financial impact matters more than income alone. If you’ve ever wondered, “How am I making this much money and still feeling behind?” this episode will help you look at your income in a different way. Because the goal is not just to make more money. The goal is to turn the money you make into savings, debt reduction, investing, breathing room, flexibility, options, and wealth. 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

July 14, 202621 min

186. Why Making More Money Can Still Leave You Feeling Behind

If you make more money than you used to, but somehow still feel behind financially, this episode is for you. Maybe when you were younger and made less, you were more careful. You paid attention. You knew where your money was going. You had a plan. But as your income increased, you may have started feeling like you didn’t need to watch things as carefully anymore. And now, even though you make good money, your savings, debt, investments, or net worth may not reflect the income you bring in. In this episode, we’re talking about why making more money does not automatically create financial progress, and why your income needs clear direction if you want it to build wealth. We’ll get into: Why your attention to money may decrease as your income increases. How lifestyle expansion can quietly keep you feeling behind. Why paying attention to your money is not the same as being restricted. The difference between managing money from fear and managing money with intention. Why a simple money system can help you enjoy your life and build wealth at the same time. If you’ve ever thought, “I make too much money to still feel this behind,” this episode will help you see what may actually be happening. Because the goal is not just to make more money. The goal is to give your income direction so it can create the life, peace, savings, options, and wealth you actually want. 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

July 7, 202621 min

185. Your Past Money Habits Created Your Current Financial Life

If you’ve ever looked at your debt, savings, spending, investments, or net worth and thought, “How did I get here?” this episode is for you. We’re talking about how your past money habits created your current financial life, and why that can actually be a freeing thing to understand. Not to blame yourself. But because where you are today is not your final destination. It’s simply what has been created so far. In this episode, we’ll get into: Why your current financial life is information, not a personal failure. How past money habits, decisions, and patterns shape today’s results. Why shame keeps you focused on the past instead of helping you move forward. What it really means to take responsibility without blaming yourself. How the financial life you want starts with who you are being with money now. If you’ve been feeling behind, frustrated, or disappointed by where you are financially, this episode will help you look at your money in a different way. 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

June 30, 202629 min

184. Why Money Keeps Coming In and Going Right Back Out

This is an encore episode and one of the most important conversations I’ve shared on the podcast. If you make good money but still feel like money comes in and goes right back out, this episode is for you. Maybe you save money for a little while, but then find yourself dipping into it. Maybe you transfer money to savings, but it never seems to accumulate. Maybe every paycheck feels like a reset, and by the time the next one comes, there’s not much left to show from the last one. In this episode, we’re talking about the money-in, money-out pattern that keeps so many women from building wealth, even when they make good money. We’ll get into: Why saving money and keeping money are not the same skill. The money patterns that can keep you spending what you earn. Why having money can feel unfamiliar or uncomfortable at first. The mindset that keeps money moving out as soon as it comes in. A simple way to begin practicing the skill of keeping money. If you’ve ever felt like money disappears as quickly as it comes in, this episode will help you start seeing what may actually be happening. Because building wealth is not just about earning more. It’s also about becoming the woman who can keep money, allow it to accumulate, and let it grow. 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

June 23, 202613 min

183. Why Knowing What to do With Money Isn't Enough

If you’ve ever thought, “I know what I should be doing with my money, I just can’t get myself to do it consistently,” this episode is for you. Because the truth is, most women are not struggling financially because they don’t have access to enough information. There are podcasts, books, YouTube channels, spreadsheets, social media posts, and experts everywhere telling you how to save money, pay off debt, stop overspending, invest, budget, and build wealth. So if information alone was enough, a lot more women would be where they want to be financially. In this episode, we’re talking about the gap between knowing what to do with money and actually doing it consistently. We’ll get into: Why more financial information may not be the missing piece. The difference between the outcome you want and the behaviors that create it. Why consuming money content can feel productive without actually changing your financial life. The reason paying off debt, saving money, or investing more requires more than knowing what to do. What may need to shift if you want your financial life to actually look different. If you’ve ever listened to the podcast, read the books, saved the posts, downloaded the spreadsheet, and still wondered why your money hasn’t changed the way you want it to, this episode will help you see what may actually be missing. Because knowing matters. But knowing is only the beginning. 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

June 16, 202616 min

182. Why You Keep Waiting Until You Feel Motivated to Fix Your Money

If you started the year with big financial goals but now realize you’ve barely thought about them in months, this episode is for you. Maybe you said this was the year you were going to save more money, stop overspending, pay off credit card debt, or finally get serious about building wealth. And maybe you meant it. But now we’re about halfway through the year, and you may be wondering how you got off track again. In this episode, we’re talking about why so many women wait until they feel motivated to fix their money, and why that pattern may be keeping them stuck longer than they realize. We’ll get into: Why the halfway point of the year can bring up so much frustration. How fresh start energy can help you, but also work against you. Why waiting to feel ready may be costing you more than you think. The pattern that keeps turning one money mishap into months of avoidance. What needs to shift if you want to stop starting over financially. If you’ve ever thought: “I’ll start again Monday.” “I’ll get back on track next month.” “I’ll deal with this after things settle down.” Or: “I just need to feel motivated again.” This episode will help you see what may actually be happening underneath that delay. Because getting back on track financially may not require the perfect date, the perfect mood, or the perfect plan. It may require something much simpler. 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