Welcome back to Don’t Depend on Daddy! In this episode, I’m sharing my Fall 2025 Ins & Outs—from routines and money habits to cozy lifestyle swaps. These episodes are some of my favorites to record, and I’d love to hear what’s on your ins and outs list this season. 🍂

We’ll cover:

👉🏻 My take on pumpkin spice & fall overconsumption

👉🏻 Why I’m ditching the “great lock-in” hustle mindset

👉🏻 The small changes that are making my fall feel more intentional

👉🏻 What’s making life cozier and more aligned this season

TIMESTAMPS:

00:00 – Intro & Fall State of the Union

01:00 – Housekeeping + finance tools I use

03:00 – Rent vs. Buy calculator update

05:00 – Why these ins & outs are just for fun

05:30 – Outs: Pumpkin spice, fall overconsumption, football, & “great lock-in” hustle

13:30 – In: Coworking spaces & community

16:00 – In: Fall baking & cooking

17:30 – In: Pilates & movement

18:30 – In: Jewel tones, Beyond Yoga sets & cozy athleisure

23:30 – Hot coffee mornings + LA back in the mix

BREAK YOUR BUDGET RESOURCES:

💸 Personal Finance Dashboard:

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

💸 Basic Budgeting Template:

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

💸 FI/RE Template:

https://breakyourbudget.com/fire-template

💸 NEW RENT VS. BUY CALCULATOR

https://breakyourbudget.com/rent-vs-buy-calculator

ALL THE ACCOUNTS/ TOOLS I USE:

💸 www.breakyourbudget.com/toolkit

✅ Subscribe to Break Your Budget Weekly:

https://breakyourbudget.com/newsletter

📖 My Books:

https://breakyourbudget.com/book

👩🏼‍💻 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

All Other Resources:

https://breakyourbudget.com/links

👩🏼‍💻 Inquiries: [email protected]

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📲 Tiktok: https://www.tiktok.com/@breakyourbudget

📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa

💸 Break Your Budget LTK:

https://www.shopltk.com/explore/MichelaAllocca/