In this episode, Michela is breaking down the top 5 financial decisions that helped her cross the $1M net worth threshold before turning 30. From living at home post-grad and building a business, to tracking every dollar and calculating my FIRE number—these choices weren’t flashy, but they were incredibly effective. Whether you’re in your early 20s or heading into your 30s, these are the practical, foundational moves that can create serious financial momentum over time.

I’ll also share the mindset shifts that made the biggest difference and how to apply these lessons to your own journey—even if you feel “behind.

TIME STAMPS: 

00:00 – Intro: approaching 30, thirties reflections

01:30 – Housekeeping: templates, upcoming FIRE & real estate tools

04:30 – Why financial progress takes years, not months

06:00 – Decision #1: Living at home + keeping rent low

10:00 – Decision #2: Starting a business (Break Your Budget)

14:30 – Decision #3: Choosing a practical college major (Finance)

18:30 – Decision #4: Tracking my expenses consistently

22:00 – Decision #5: Calculating my FIRE & work optional numbers

26:30 – Closing thoughts: Your 20s don’t have to be perfect, they just need to be intentional

💸 Personal Finance Dashboard:

https://breakyourbudget.com/personal-finance-dashboard

💸 Basic Budgeting Template: 

https://breakyourbudget.com/basic-budgeting-template

💸 NEW FI/RE Template:

 https://breakyourbudget.com/fire-template

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📖 My Books: 

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👩🏼‍💻 Task Management System + Promotion Template:

https://breakyourbudget.com/own-your-career-template

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

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👩🏼‍💻 Inquiries: [email protected]

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