On this episode, Michela sat down with Austin Hankwitz, host of the Rich Habits podcast. She and Austin discuss investment types, investment accounts, tax implications of different investment types, roboadvisors vs. traditional brokers, choosing an investment and so much more. As a reminder, for any investment decisions you should contact a licensed professional. 

Fidelity Article: https://www.fidelity.com/learning-center/investment-products/etf/etf-efficiency

Investing for Beginners Free Guide: https://breakyourbudget.myflodesk.com/dj1jarco3z

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd 

www.breakyourbudget.com/book

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l 

High-Yield Savings Account Guide: https://bit.ly/409p62A 

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0 

TEMPLATES & RESOURCES: 

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

Digital Planner: https://bit.ly/3yXbVW7 

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Does the city you live in throughout your 20s matter? In short, yes. So how can you figure out *exactly* where to live? In this episode, Michela breaks down the 3 major questions to ask yourself when deciding where to live. She also shares her personal experience deciding between Boston and Los Angeles, and why LA ended up being the right city for her personally, professionally, and financially. If you've been contemplating a move, or are simply curious if your city is enabling you to THRIVE, give this episode a listen!

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

Digital Planner: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

FREE RESOURCES:

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

On this episode, I sat down with Benny Fillo to talk about credit cards and travel points! Benny has leveraged credit card points to travel first and business class all over the world, from Dubai to Hong Kong to Sydney and everywhere in between. He shares his best tips for finding the right card, ways to earn as many points as possible, how to get the most out of your credit card points to maximize your travel experience, and so much more. He is a wealth of knowledge - if you are interested in traveling or taking premium flights, you’ll love this episode!

Travel Resources:

https://thepointsguy.com/

https://thepointsguy.com/

Reach out to Benny: https://www.instagram.com/bennyfillo/

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd 

www.breakyourbudget.com/book

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l 

High-Yield Savings Account Guide: https://bit.ly/409p62A 

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0 

TEMPLATES & RESOURCES: 

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

Digital Planner: https://bit.ly/3yXbVW7 

Increase Your Income Masterclass: https://bit.ly/3JXjUt9 

FREE RESOURCES:

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l 

High-Yield Savings Account Guide: https://bit.ly/409p62A 

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

On this week's episode Michela breaks down all of her ROUTINES. From the details of her morning and night routines, to all the things she does during the weekend when spending time alone, hanging out with friends, and focusing on self-care. Plus, she shares some of the products she purchased that have elevated her routines and are worth the hype!

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

Digital Planner: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

FREE RESOURCES:

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

This week Michela does a long overdue Q+A covering your most popular personal finance, career, business, and personal questions! From spending habits, leveraging social media for your business, dating, and everything in between. If you’d like to submit questions for future Q+A episodes, make sure to be following @breakyourbudget on Instagram.

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

GET A FREE BUDGET TEMPLATE: https://bit.ly/3ZsXCDQ www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://bit.ly/3zC9k5b

Be Your Own Boss: https://bit.ly/3ckG9ef

Own Your Career Template: https://bit.ly/3ba0X7K

4-Week Financial Plan: https://bit.ly/3H3jT5t

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

On this weeks episode, Michela shares all the things that have improved her quality of life throughout her twenties. She covers personal finances, career tips and decisions, and some wellness, lifestyle, productivity, and routine advice!

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

Digital Planner: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

FREE RESOURCES:

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

In this episode, Michela shares some updates to expect from Don't Depend on Daddy going forward + a brand new segment - I want to hear from you! Then, she shares her 2024 INS and OUTs: personal, wellness, mindset, friendships, hobbies, routines and more.

Don’t Depend on Daddy Moment of the Week:

https://forms.gle/X4i4Q11rxqaNhX9y8

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

Digital Planner: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

FREE RESOURCES:

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

In this episode, Michela is sharing her top takeaways, lessons, and accomplishments for 2023 across personal finance, career, and personal life. She shares what she has accomplished in each area, her biggest struggles, as well was goals she is working towards in 2024. Plus, Michela shares how much she spent in 2023 through a spending recap, as well as her top purchases for the year! Thank you for the support and happy holidays!

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

In this episode, Michela shares strategies for setting financial goals, how to build them into your plan, and how to set financial resolutions and intentions for the new year. At the end of the episode, she also shares examples of financial goals and some of the goals + intentions you are working towards! (submitted on IG)

FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget

On this weeks episode, Michela answers listener questions, including:

1. Do I still follow the 50/30/20 rule in spite of my lifestyle changes and spending?

2. What was the most important finance class I took in college?

3. Is a 401k worth it if your employer doesn’t match?

4. What are my personal/business goals for 2024?

5. What factors should I consider when choosing my first apartment?

6. Tips for saving in a HCOL?

7. Do I find it hard to date since my finances and life are so public?

ORDER OWN YOUR MONEY! https://amzn.to/3Z97Qtd

www.breakyourbudget.com/book

ClassPass Referral: https://classpass.com/refer/VFFN4T311

LTK for Capsule Wardrobe Finds: https://www.shopltk.com/explore/Breakyourbudget

DIGITAL PLANNER: https://bit.ly/3yXbVW7

Increase Your Income Masterclass: https://bit.ly/3JXjUt9

Personal Finance Starter Kit: https://bit.ly/3Jg2N5l

High-Yield Savings Account Guide: https://bit.ly/409p62A

Subscribe to my Newsletter, Common Cents: https://bit.ly/3maI0H0

TEMPLATES & RESOURCES:

Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard

Be Your Own Boss: https://break-your-budget-online-coaching1.teachable.com/p/be-your-own-boss-template

Own Your Career Template: https://breakyourbudget.com/own-your-career-template

4-Week Financial Plan: https://breakyourbudget.com/4-week-financial-plan

DON'T DEPEND ON DADDY: https://anchor.fm/breakyourbudget