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

182

Latest episode

Jun 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.

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60 recent

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

June 9, 202616 min

181. Why It Feels Like Something Always Happens When You Start Saving Money

If you've ever started saving money, watched your account balance grow, and then had to turn around and use that money for a car repair, home expense, medical bill, or something your kids needed, this episode is for you.We're talking about one of the most discouraging thoughts many women have when they're trying to make financial progress:"Every time I start saving, something happens."And while it may feel true, that thought might be keeping you stuck more than the actual expense itself.In this episode, we're unpacking what really happens when life interrupts your financial plans and why using your savings doesn't automatically mean you've gone backward.We'll get into: Why legitimate expenses can feel like proof you're not making progress. The difference between what happened and what you make it mean. How discouragement can quietly lead to overspending, avoidance, and financial setbacks. Why saving money and using savings are both part of the process. The mindset shift that helps you keep moving forward instead of starting over. If you've ever thought:"See, this always happens.""I can never get ahead."Or:"What's the point of saving if something is just going to come up anyway?"This episode will help you see your savings in a completely different way.Because sometimes your savings account isn't failing.Sometimes it's doing exactly what it was designed to do.Protecting you from debt, panic, and financial setbacks when life inevitably happens.And when you start seeing it that way, everything changes.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 2, 202618 min

180. Why You Keep Falling Back Into Old Money Habits (Your Financial Thermostat Explained)

If you've ever paid off debt, built up your savings, gotten a bonus, or felt like you were finally getting ahead... only to find yourself right back in the same place a few months later, this episode is for you.We're talking about a hidden pattern that keeps many women stuck financially, even when they're making good money and doing all the "right" things.It's not a lack of discipline.It's not because you're bad with money.And it's not because you don't care about your future.It may be because your financial thermostat keeps pulling you back to what's familiar.In this episode, we're exploring why progress can feel temporary, why old money habits keep resurfacing, and what it really takes to create lasting change.We'll get into: Why your brain prefers familiar financial patterns, even when they aren't serving you. The hidden reason you keep ending up back in debt, overspending, or starting over. Why knowing what to do with money isn't the same as doing it consistently. How your financial thermostat influences your spending habits, savings, and debt. The powerful question that can help you identify the pattern you keep repeating. If you've ever thought:"How am I back here again?"Or:"I make good money, so why does it feel like I'm always starting over?"This episode will help you understand what's really happening beneath the surface.Because lasting financial change isn't just about changing the numbers.It's about changing what feels normal.And once your new habits, new behaviors, and new financial decisions start feeling normal, that's when real wealth building begins.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

May 26, 202621 min

179. The Skill of Having Money: Why You Keep Spending Your Savings

If you’ve ever saved money, watched your account start to grow… and then suddenly found yourself spending it on things that felt completely justified, this episode is for you.We’re talking about a skill most women were never taught: the skill of actually having money.Not just making money.Not just spending money.But letting money stay in your life long enough to become savings, security, peace, investing, and wealth.This episode breaks down why so many women who make good money still struggle to keep it, and why money can seem to disappear just as quickly as it comes in.We’ll get into: Why saving money can feel surprisingly uncomfortable. The real reason your brain starts finding places for money to go once it starts accumulating. How overspending quietly keeps wealth from building over time. Why more income does not automatically create financial security or peace of mind. The mindset shift that helps you build wealth without feeling deprived. If you’ve ever:transferred money into savings… only to spend it shortly after…used bonuses for “important” purchases that kept delaying your financial goals…or felt like your income has increased but your peace has not…this episode will help you understand what’s actually happening underneath those patterns.Because this isn’t about being irresponsible.And it’s not about never spending money.It’s about expanding your capacity to actually have money instead of immediately turning it into something else.And once you learn that skill, your income can finally start becoming what you actually want it to become:peace of mind, savings, debt freedom, investing, options, and long-term wealth.If you’re realizing this is the exact pattern you’ve been stuck in, this is the kind of work we do inside money coaching.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

May 19, 202624 min

178. Your Brain Wasn’t Designed to Build Wealth (And That Changes Everything)

If you’ve ever known what you should do with money… but still found yourself overspending, avoiding your finances, or falling back into old habits, this episode is for you.We’re talking about why building wealth can feel so hard, even for smart, capable women who make good money and genuinely want to change.This episode breaks down the hidden battle happening in your brain between immediate comfort and long-term wealth building, and why so many financial habits feel automatic.We’ll get into: Why your brain prefers familiar financial patterns, even when they aren’t helping you. The reason overspending and emotional spending can feel almost automatic. Why saving money, paying off debt, and building wealth often feel uncomfortable at first. How small money habits and spending patterns quietly shape your financial life over time. Why becoming more intentional with money matters more than being perfect. If you’ve ever said: “I’ll start next month.” “One more thing won’t hurt.” or: “I just want to feel better…” this episode will help you understand what’s actually happening underneath those moments.Because this isn’t about a lack of discipline.It’s about learning how to work with your brain instead of constantly fighting against it.And once you become more aware of your patterns, urges, and emotional habits around money, you can start making decisions that actually support the life and future you want to build.If you’re ready to stop operating in survival mode and start building wealth more intentionally, this is exactly the work I do with my clients.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

May 12, 202617 min

177. Why Building Wealth Feels So Hard (Even Though It’s Actually Simple)

If you’ve ever felt like building wealth is complicated, overwhelming, or something everyone else understands except you… this episode is for you.We’re talking about why wealth building is actually much simpler than most people make it out to be, and the five core areas of money that determine whether wealth grows or not.This episode breaks down the real reason so many women who make good money still struggle with saving money, paying off debt, and building wealth long term.We’ll get into: The real reason building wealth feels harder than it should. Why making more money still isn’t translating into financial security for so many women. The one area of money that quietly keeps wealth from accumulating. How your thoughts about money may be keeping you stuck financially. Why some people build wealth steadily… while others keep spinning their wheels. If you’ve ever thought: “I make good money… so why doesn’t it feel like I’m getting ahead?” or: “I should have more to show for what I earn…”this episode will help you start connecting the dots.Because wealth building isn’t about perfection. It’s about learning how to manage the five areas of money consistently over time.And once you understand which lever needs the most attention right now, you can start making real progress without trying to fix everything at once.If you’re ready to simplify your finances, stop overspending, and build wealth in a way that actually fits your real life, this is exactly the work I do with my clients.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

May 5, 202625 min

176. Why You Make Good Money But Still Don’t Feel Wealthy

If you make good money but still feel like you should be further along financially, this episode is for you.We’re talking about what it really means to be a high earner, not rich yet, and why your income isn’t translating into actual wealth.This isn’t about needing to make more money. It’s about what’s happening with your spending, your habits, and the way your money is being managed behind the scenes.In this episode, I break down why so many high earners stay stuck and what’s actually getting in the way of building wealth.We’ll get into: Why making more money doesn’t automatically lead to saving money or building wealth. How overspending quietly keeps high earners from getting ahead. The gap between earning well and managing money effectively. Why building wealth requires more than just income, including spending, debt, saving, and investing. If you’ve ever looked at your income and thought, “I make good money… so where is it all going?” or felt like you should have more saved, less credit card debt, or more to show for what you earn… this will help you start connecting the dots.Because this isn’t about working harder or earning more.It’s about how your money is actually working for you.And once you understand what’s really going on, you can start making decisions that move you toward real financial security and long-term 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

April 28, 202611 min

175. Why You Pay Off Debt and End Up Right Back in It

If you’ve ever paid off debt, felt relieved for a moment… and then found yourself right back in it, this episode is for you.We’re talking about why getting out of debt isn’t actually the hard part, staying out is. And why the way you pay off debt matters more than how fast you do it.In this episode, I break down what’s really happening when you keep cycling in and out of credit card debt, even when you’re making good money and trying to do the right things.We’ll get into: Why paying off debt fast doesn’t always lead to lasting change. How quick wins like bonuses can keep you stuck in the debt cycle. The difference between getting out of debt and becoming someone who stays out. Why sustainable habits matter more than extreme restriction when you’re trying to save money and pay off debt. If you’ve ever used a bonus to pay off debt… or tried to cut everything and “be good” for a period of time… or told yourself this is the last time… only to end up right back where you started… this will help you see what’s actually going on.Because this isn’t about discipline.It’s about habits and patterns.And once you shift from trying to get out of debt fast to actually changing how you show up with money, everything starts to change.If you’re ready to stop repeating the same cycle and finally build real financial stability, this is exactly the work I do with my clients.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

April 21, 202632 min

174. How to Start Real Estate Investing with Scott Carson

In this episode of Becoming the Wealthy You, I am joined by a true powerhouse in the real estate world, Scott Carson. Scott brings over 20 years of experience to the table, specifically in the niche of distressed properties and mortgage debt. If you have ever felt like you’re making good money but aren't building the legacy you want, this conversation is exactly what you need to hear.My Mission for YouMy goal is always to help you stop overspending, break free from the cycle of debt, and become the wealthy woman you were born to be. Real estate is a massive piece of that puzzle, but I know it can feel intimidating. Scott and I dive deep into how you can start small, stay safe, and make your money work harder than you do.Redefining "Investment"We start with a question many of you have asked: Is your own home an investment?. Scott breaks down why your primary residence is likely your biggest asset, but he also introduces the concept of "House Hacking"—using duplexes or fourplexes to let others pay your mortgage while you build equity.Becoming the Bank with Note InvestingOne of the most fascinating parts of our talk is Scott's expertise in Note Investing. Imagine receiving monthly payments without the headaches of being a landlord. Scott explains how buying the "IOU" from banks allows you to earn 8% to 12% returns while a third-party company handles the collections. It’s a game-changer for those seeking more passive income.Key Takeaways for Your Wealth Journey:You Don't Need Perfect Credit: Scott shares his personal story of starting over after a foreclosure and how networking with private lenders can fund your deals.The "Numbers Over Emotions" Rule: We discuss the "Oh That’s So Cute" (OTSC) syndrome. If you want to succeed, you have to take the emotion out and let the data drive your decisions.Financial Foundations First: Before you buy your first rental, ensure you have your six-month emergency fund and your retirement accounts in place.The Power of Local Networks: Why your first step shouldn't be a generic online course, but your local real estate investment club.About My GuestScott Carson is the host of The Note Closers Show and the principal at WeCloseNotes.com. He is a wealth of knowledge for anyone looking to get their hands dirty in the market or invest passively through notes.Connect with Me: Ready to tackle your money challenges head-on? Book a complimentary one-to-one money consultation with me at germanefoley.com/consult."You don't necessarily wanna swap one job for another job... make sure the numbers work for you."If this episode helped you, please leave a five-star review and subscribe! It helps me reach more women just like you.Scott CarsonWeCloseNotes.com(512) 585-3810BOOK A CALL WITH METalk With My AI CloneLISTEN TO OUR #1 PODCASTSIGN UP FOR OUR NEXT WORKSHOPReady 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

April 14, 202615 min

173. Why You Keep Overspending (The #1 Wealth Stealer)

If you’ve ever found yourself spending money out of boredom, stress, or just because you felt like it… and then later wondering where your money went, this episode is for you.We’re breaking down what’s really going on when you keep overspending, even though you make good money and know better. This isn’t a discipline issue. It’s a pattern, and once you see it, things start to click.In this episode, I’m talking about emotional spending and why it can feel like spending is helping in the moment… but is actually keeping you stuck in the same cycle.We’ll get into: why overspending can feel automatic how emotional spending is driving your habits why the cycle of “spend, feel better, repeat” keeps happening what’s actually going on underneath it all If you’ve ever paid off credit card debt, made more money, or told yourself you’re going to do better… and still end up right back in the same place, this will help you understand why.And once you understand it, you can start to change 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