Don't Depend On Daddy

This year, my goal is to shop more intentionally. A major theme of this is to begin purchasing clothing made of natural materials, and slowly phase out the synthetic clothing in my closet. Natural materials wear better, they look better, they last longer, and are an overall better ROI on your clothing spend. However, it can feel like a daunting task to navigate shopping for natural materials in a world where everything is made of plastic. In this episode, Michela shares why natural materials are better, what materials to look for, where to focus your purchases on, and her favorite brands. Everything is linked on LTK!

Break Your Budget LTK: https://www.shopltk.com/explore/Breakyourbudget

💸 Free Personal Finance Starter Kit Guide:

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

TIME STAMPS: 

Episode Starts at 2:45

Break Your Budget Links:

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

💸 Personal Finance Dashboard:

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

📖 My Books: 

https://breakyourbudget.com/book

👩🏼‍💻 Task Management System + Promotion Template:

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

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/common-cents

💸 Free Financial Plan Checklist + Crash Course:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free How to Navigate a Recession Guide:

https://breakyourbudget.myflodesk.com/recession

All Other Resources: 

https://breakyourbudget.com/links

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

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

My spending theme in 2025 is to buy and consume LESS. The process of moving was so jarring to me, and it made me realize how much *stuff* I have.. And how much I don’t use. The conversation around consumption has been at the forefront of social media over the last few months. Underconsumption, project pan, and using what we have is going to carry us at least through Q1, but hopefully turns from “trend” to everlasting theme in how we use and spend our money. In this episode, Michela shares her “rules” for consuming this year in an effort to spend less, but also become a more conscious consumer. 

TIME STAMPS: 

Episode Starts at 11:18 

Break Your Budget Links:

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

💸 Personal Finance Dashboard:

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

📖 My Books: 

https://breakyourbudget.com/book

👩🏼‍💻 Task Management System + Promotion Template:

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

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/common-cents

💸 Free Financial Plan Checklist + Crash Course:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free Personal Finance Starter Kit Guide:

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

💸 Free How to Navigate a Recession Guide:

https://breakyourbudget.myflodesk.com/recession

All Other Resources: 

https://breakyourbudget.com/links

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

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

Happy New Year! A fresh year means a fresh start and taking advantage of all the motivation you have to uplevel your life. In this episode, Michela is sharing 3 tips each to enhance your money, career, productivity, and appearance. From taking a softer approach to your finances, exploring side quests and building community, using AI to uplevel your productivity systems, and taking the extra 10 minutes to feel better about how you look, each of these tips is going to make your life better this year. It’s not your typical glow-up episode, so if you’re looking to learn something new and gain a new perspective on leveling up, you’ll love this. 

TIME STAMPS: 

Episode Starts at 3:22

Break Your Budget Inner Circle: https://break-your-budget-inner-circle.circle.so/checkout/break-your-budget-inner-circle

Break Your Budget Links:

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

💸 Personal Finance Dashboard:

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

📖 My Books: 

https://breakyourbudget.com/book

👩🏼‍💻 Task Management System + Promotion Template:

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

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/common-cents

💸 Free Financial Plan Checklist + Crash Course:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free Personal Finance Starter Kit Guide:

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

💸 Free How to Navigate a Recession Guide:

https://breakyourbudget.myflodesk.com/recession

All Other Resources: 

https://breakyourbudget.com/links

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

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

It’s time to address the ins & outs for 2025! In this episode, Michela is talking spending themes, new years intentions, trends, products, content and more. I’d love to hear your ins & outs for 2025!

TIME STAMPS: 

State of the Union Starts at 5:15

Break Your Budget Links:

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

💸 Personal Finance Dashboard:

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

📖 My Books: 

https://breakyourbudget.com/book

👩🏼‍💻 Task Management System + Promotion Template:

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

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/common-cents

💸 Free Financial Plan Checklist + Crash Course:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free Personal Finance Starter Kit Guide:

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

💸 Free How to Navigate a Recession Guide:

https://breakyourbudget.myflodesk.com/recession

All Other Resources: 

https://breakyourbudget.com/links

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

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

On this episode of DDOD, Michela shares her top 9 purchases from 2024! The spending theme of this year was “buy less and buy better” and these purchases are reflective of being super intentional about each and every purchase. She shares her 3 favorite purchases/products within 3 main categories: under $50, under $100, and over $200. She also shares some honorable mentions of products she loves but didn’t purchase this year, and a few items she wished she got more use out of. All of the products are linked below and can be found below or on her LTK!

TIME STAMPS: 

Q+A Starts at: 1:30

Under $50: 4:20

Under $100: 9:00

Over $200: 14:15

Products Mentioned:

Daily Stoic: https://rstyle.me/+rVNb_U0_GjmFL--aMgIWLg

Crown Affair Conditioner: https://rstyle.me/+QLgCFpsCMX760vmSgHEOMg

Cottonon 90s Tee: https://rstyle.me/+zi6NpV4O_niKokFf23cK-g

Aritzia Top: https://rstyle.me/+eBRv3k2410fPKa_tXN0oxg

Gorjana Earrings: https://rstyle.me/+Chp414aQScJghx_zT185mg

Card Case: https://rstyle.me/+lPXdrYsO2fb0e3EVSDsTLg

Red Light Face Mask: https://get.aspr.app/SHSBo (use code BREAKYOURBUDGET10)

Cooper Cardigan: https://rstyle.me/+E9Wz0rzm2qZeqV5Ta6BLeQ

Purse: https://rstyle.me/+vliJx8qvUDJvGQKhy5cTiA

Hatch Alarm: https://rstyle.me/+jLDPuDaRfw72PSXPNV_zoA

Dyson Airwrap: https://rstyle.me/+g6Niqc9QzN4JuRf3OnwxRg

Jetlag Mask: https://rstyle.me/+d7bniwSTzqfDhfYkIXCmPw

Break Your Budget Links:

💸 The Ultimate Financial Reset Masterclass: https://breakyourbudget.com/year-end-masterclass

💸 Personal Finance Dashboard:

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

📖 My Books: 

https://breakyourbudget.com/book

👩🏼‍💻 Task Management System + Promotion Template:

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

✅ Subscribe to my Weekly Newsletter, Common Cents:

https://breakyourbudget.myflodesk.com/common-cents

💸 Free Financial Plan Checklist + Crash Course:

https://breakyourbudget.myflodesk.com/financial-plan-checklist

💸 Free Personal Finance Starter Kit Guide:

https://breakyourbudget.myflodesk.com/personal-finance-starter-kit

💸 Free How to Navigate a Recession Guide:

https://breakyourbudget.myflodesk.com/recession

All Other Resources: 

https://breakyourbudget.com/links

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

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

TIME STAMPS: 

Q+A Starts at: 3:57

Personal Questions: 4:20

Career Questions: 16:20

Money Questions: 36:45

On this episode of DDOD, Michela is answering your burning questions! She starts off with the personal section, focused on closing loose ends related to her move from LA to Chicago. Then she pivots into the career questions to discuss what to do if you are unemployed for an extended period of time, how to make a career pivot, and how to start creating content. She wraps up the episode with personal finance questions surrounding the financial order of operations and controlling the temptation to splurge. 

QUESTIONS: 

Personal Finance Dashboard:

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

Own Your Career (book): 

https://breakyourbudget.com/oyc-book

Own Your Career Template:

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

FREE Financial Plan Crash Course

https://breakyourbudget.myflodesk.com/rojmq2zecg

FREE Recession Guide:

https://breakyourbudget.myflodesk.com/recession

FREE Personal Finance Starter Kit: 

https://breakyourbudget.myflodesk.com/mlncth2n40

All Other Resources: 

www.breakyourbudget.com/links

On this episode of DDOD, Michela shares 5 realistic money milestones to work towards throughout your 20s. She shares real ages in order to create a point of comparison, but remember that personal finance is personal and this timeline does not work for everyone. She covers saving an emergency fund, building strong credit, investing for retirement, increasing your income, and investing beyond retirement. (Skip to 3:18 to skip housekeeping)

Personal Finance Dashboard:

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

Own Your Career (book): 

https://breakyourbudget.com/oyc-book

Own Your Career Template:

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

FREE Financial Plan Crash Course

https://breakyourbudget.myflodesk.com/rojmq2zecg

FREE Recession Guide:

https://breakyourbudget.myflodesk.com/recession

FREE Personal Finance Starter Kit: 

https://breakyourbudget.myflodesk.com/mlncth2n40

All Other Resources: 

www.breakyourbudget.com/links

On this episode of DDOD, Michela share 10 habits and rules she implements to consume LESS. In an era of overconsumption, learning how to control your spending and implementing small tactics to help stay in control of your money is essential. From the 48 hour rule ot developing hobbies, if you’re looking to SPEND LESS in 2025, this is for you.

On this episode of DDOD, Michela shares her in-depth financial journey throughout her 20s. From graduating college and having no clue what to do financially, to taking a pay cut, learning by doing, starting a side hustle, and ultimately building a 7-figure business. Michela has experienced a lot during her 20s and shares all the details in this episode, year by year!

Personal Finance Dashboard:

Resource Library:

FREE Personal Finance Starter Kit: https://breakyourbudget.myflodesk.com/mlncth2n40

Order OWN YOUR CAREER:

Own Your Career Template:

FREE FINANCIAL PLAN CRASH COURSE:

All Other Resources:

On this episode of DDOD, Michela is joined by Lillian Zhang, a San Francisco Bay Area based creator and product marketing manager in the tech industry who is an alumna of UC Berkeley's Haas School of Business. She's passionate about sharing financial literacy and career education content for her primarily Gen Z audience. We chat about her college-to-corporate journey, her experience working in tech, how she started creating content, how she balances content while working full time, and so much more!

OWN YOUR CAREER:

https://breakyourbudget.com/oyc-book

Own Your Career Template:

FREE FINANCIAL PLAN CRASH COURSE:

Personal Finance Dashboard:

FREE Recession Guide:

FREE Personal Finance Starter Kit:

All Other Resources:

LILLIAN'S INFO:

TikTok: https://www.tiktok.com/ @lillianZhang 

Free 4-page personal finance checklist (includes free resume template):

Ultimate money bundle (income and expenses budget tracker + net worth tracker):