Podcast
The Vault with Financielle
Hosted by Financielle · EN
Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from Leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault.
45episodes
Episodes
Newest firstAll episodes
“Should I Sacrifice My Mental Health to Save Money?” | The Vault Episode 101
Jan 2900:33:21Tap to summarize“I haven’t asked for a pay rise because I feel guilty”… jail or no jail? 🚨This week, we’re diving into these money dilemmas:💸 “I Was Scammed Out of £4k… What Do I Do Now?”💸 ”Should I Sacrifice My Mental Health to Save Money?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch*The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
Transcribe →“I’m Trapped in My Overdraft After 20 Years” | The Vault Episode 100
Jan 2200:40:25Tap to summarize“I keep all my money in cash because investing scares me” … jail or no jail? 🚨This week, we’re diving into these money dilemmas:💸 “I Have $200k in My Pension but Only $1,300 in Savings… Help”💸 ”I’m trapped in My Overdraft After 20 Years”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸Connect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.
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"Do I Blow Three Months of Savings… or Risk Family Drama?" | The Vault Episode 99
Jan 1500:35:17Tap to summarizeSend us a text“My long term partner doesn’t know I have a f off fund” … jail or no jail? 🚨This week, we’re diving into these money dilemmas:💸 “I’m Covering Everything Alone While He Dodges Child Support”💸 ”Do I Blow Three Months of Savings… or Risk Family Drama?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch* The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn
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“My Boyfriend Used Me for £3,000… What Do I Do Now?” | The Vault Episode 98
Jan 800:37:24Tap to summarizeSend us a textThis week, we’re playing “Jail or No Jail” with your money confessions 👀 then diving into your dilemmas:💸 ”I feel a credit card purchase coming on…”💸 ”My Boyfriend Used Me for £3,000… What Do I Do Now?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch** The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.*The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn
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UNLOCKED: Modelling Your 2026 Money Goals – Real Plans, Real Numbers
Jan 500:41:21Tap to summarizeSend us a textToday, we’re turning goals into plans.In this final episode of the Unlocked series, Laura models real 2026 money goals live using real submissions from the Financielle community to show what goal modelling actually reveals, and why numbers are the difference between wishing and doing.We start with a quick refresher on why modelling works:It shows whether your goals are realisticIt highlights what needs to change to reach themSmall routine tweaks compound into massive resultsYou need a plan that fits into your everyday lifeThen Laura walks through multiple real-life scenarios, including:A single mum with a once-in-a-lifetime opportunity to buy her home with a gifted 10% deposit, and how to balance that against consumer debtA 25-year-old torn between maximising her LISA for a first home and starting long-term investingA listener navigating a debt-free journey while saving for a wedding, and how to balance progress with joyAlong the way, Laura talks through trade-offs, priorities, risk, mindset, and why “perfect” plans aren’t the goal, sustainable ones are.Takeaways:What goal modelling really revealsWhy most money goals fail (no numbers behind them)Why now is the time to model your own goals before JanuaryIf you’re enjoying the Unlocked series, subscribe to The Vault, leave us a review, and tell us how you’re resetting and rebuilding in the comments or the Financielle App community.#moneystory #goalsetting #Financielle #TheVaultUnlocked #moneygoalsConnect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn
Transcribe →Is Valentine’s Day A Scam? + Getting Married For Practical Reasons | The Vault Episode 50
Feb 6, 202500:43:48Tap to summarizeSend us a textIn Episode 50 of The Vault, we discuss this week’s controversial opinion, “Valentine’s Day is a scam” before diving into our listener dilemmas:💸 "Should we get married for practical reasons?”💸 "We’re mortgage-free! What should we do with our new excess?”We celebrate a listener who can’t wait to create their budget with a mortgage payment, after buying her first house as a solo buyer! What an amazing achievement! 😍🏠If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.comSend your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook. This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULTCheck out The Money Playbook course here 💸Chapters:00:00 Introduction00:44 Welcome to The Vault00:52 Birthday Shoutouts06:15 Valentine's Day: Love it or Hate it?16:19 Managing Money in Long-Term Relationships17:40 Marriage for Practical Reasons20:24 Financial Contributions and Asset Building30:28 Emergency Funds and Investment Strategies32:05 Retirement Planning and Diversification40:05 Modelling Financial Scenarios43:08 Final Thoughts and AdviceThe Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn
Transcribe →UNLOCKED: Why Investing Isn’t Scary—And Why You Need to Start Now
Feb 3, 202500:50:00Tap to summarizeSend us a text💸 Welcome to The Vault Unlocked – a special bonus series of The Vault Podcast, where we deep dive into the big money topics no one wants to talk about.Today, we’re tackling **investing**—and no, it’s not just for the wealthy or finance experts. Investing is for everyone, no matter where you’re starting from, and today, we’re showing you how simple it can be.Here’s what we’re unlocking in this episode:- What investing really is—and why it’s easier than you think- Why you’re probably already investing (without even knowing it!)- The top reasons why investing is crucial for your financial future- How to know when you’re ready to start and how much to invest- A breakdown of pre- and post-retirement investing strategies for building wealth- Practical tips on how to start investing in simple, actionable waysPlus, we’re sharing a community story from Tolu, who has been on an incredible money journey and loves supporting others through theirs too!This episode will empower you to stop overthinking investing and get started on your path to financial freedom.💬 Have a topic you’d love us to unlock next? Email us at thevault@financielle.com👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn
Transcribe →Early Retirement And Guilt-Free Spending | The Vault Episode 49
Jan 30, 202500:42:01Tap to summarizeSend us a textIn Episode 49 of The Vault, we discuss this week’s controversial opinion, “Your 20s are NOT for building wealth, your 30s are” before diving into our listener dilemmas:💸 "Should I give up on my early retirement dreams?”💸 "I earn £180k but feel guilty spending”We celebrate a brilliant win from one of our community members! After using Monzo Flex for "cash flow purposes" and accumulating £300 in debt from holiday spending and shopping, they took control by doing a smart bank switch, earning £200, and combining it with extra funds to pay off the balance entirely. They’ve now officially closed it—legend! 🎉If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.comSend your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook. This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULTCheck out The Money Playbook course here 💸Chapters:00:00 Introduction00:46 Welcome to The Vault Podcast03:22 Controversial Opinion: Wealth Building in Your Twenties05:08 The Power of Compound Interest13:14 Retirement Planning Dilemma22:27 Community Win: Overcoming Debt23:11 Popcorn and Cinema Hacks24:35 Bank Switching Success Stories26:25 Emergency Funds and Financial Hacks31:03 High Earner Dilemma: Spending Guilt38:46 Budgeting Tips and Final ThoughtsThe Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn
Transcribe →UNLOCKED: Why Everyone Should Track Their Net Worth (Not Just the Rich)
Jan 27, 202500:51:10Tap to summarizeSend us a text💸 Welcome to The Vault Unlocked – a special bonus series of The Vault Podcast, where we deep dive into the big money topics no one wants to talk about.Today, we’re tackling net worth—and no, it’s not just for celebrities or the ultra-rich. Tracking your net worth is the ultimate financial move, no matter where you’re starting from, even if you’re in debt.Here’s what we’re unlocking in this episode:What net worth really means and why it’s a better measure than incomeThe assets that matter most—and why not all assets are created equalCommon misconceptions about net worth, including why even a negative number is worth trackingHow to calculate your net worth in four simple steps and use it to growPlus, we’re sharing a community story from Hannah, who started tracking her net worth and saw her financial journey transform.This episode will empower you to take charge of your money and give you the tools to see progress, no matter your starting point.🚑 P.S. if you work in the NHS, click this link for pension calculation help: https://www.nhsbsa.nhs.uk/member-hub/getting-estimate-your-pension💬 Have a topic you’d love us to unlock next? Email us at thevault@financielle.com👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn
Transcribe →The Truth About Budgeting, Downsizing, And Lending Money | The Vault Episode 48
Jan 23, 202500:43:22Tap to summarizeSend us a textIn Episode 48 of The Vault, we discuss this week’s controversial opinion, “the 50/30/20 budgeting rule is bullshit” before diving into our listener dilemmas:💸 "Do we have to downsize after our children have moved out?”💸 "My brother in law won’t pay us back”We’re super excited for a community member who paid off her first credit card - £3924! 💸✨ On to the next one, you’ve got this!If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.comSend your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook. This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULTCheck out The Money Playbook course here 💸Chapters:00:00 Introduction00:44 Welcome to The Vault01:02 January Decluttering and Organizing04:36 Project Pan: Using What You Have13:09 The 50/30/20 Budgeting Rule Debate16:15 Sinking Funds and Financial Goals20:33 Adjusting Financial Goals Based on Life Stages21:37 Dilemma: Should We Downsize Our Family Home?23:38 Exploring the Benefits of Downsizing30:39 Community Win: Paying Off Debt31:59 Dilemma: Brother-in-Law's Unpaid Debt43:09 Conclusion and Final ThoughtsThe Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn
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