In this episode of the Pearls and Perils, Peta-Kay shares her personal journey of marriage from getting married at 23, the lessons learned and advice for those considering marriage.

She explores key aspects and areas of compatibility to consider when choosing a spouse.

If you have a dilemma (peril) that you'd like to share anonymously email: ⁠[email protected]⁠ or send a direct message to @⁠yourfinancept⁠ on Instagram.Book a Finance coaching session with me: https://www.pearlsandperils.comYou can stay connected with me on social media at:Instagram: @yourfinanceptTiktok: @yourfinanceptGrab a copy of my Finance & Budgeting tracker:https://www.pearlsandperils.com/shop

In this episode Peta-Kay explores social media and whether it is stealing our joy, she shares her experience hosting her Galentine's event and candidly discusses changes she's noticed in hormones since turning 30. She also shares a special announcement.

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In this episode of Pearls and Perils, Peta-Kay reflects on the lessons that shaped her January, from celebrating her birthday to navigating the realities of planning an event.

She opens up about the emotional and logistical challenges of event planning, the pressure of always being “the strong one”.

Peta-Kay dives into why financial literacy is critical for women, the importance of stability in entrepreneurship, and the very real impact of the gender gap in retirement.

Throughout the episode, she shares candid insights on being intentional with time and money, learning from setbacks, and cultivating the kind of bold, “delusional” faith required to pursue big goals, even when things feel uncertain.

If you have a dilemma (peril) that you'd like to share anonymously email: ⁠[email protected]⁠ or send a direct message to @⁠yourfinancept⁠ on Instagram.

Book a Finance coaching session with me: https://www.pearlsandperils.com

You can stay connected with me on social media at

Instagram: https://www.instagram.com/yourfinancept

Tiktok: https://www.tiktok.com/@yourfinancept

Youtube: https://www.youtube.com/@pearlsandperils

Grab a copy of my Finance & Budgeting tracker:https://www.pearlsandperils.com/shop

Chapters

00:00 Welcome Back to Pearls and Perils

01:00 Reflections on January and Birthday Traditions

02:52 Planning Events and the Stress of Coordination

05:56 The Importance of Financial Stability and Investing

08:43 The Weight of Being the Strong One

11:27 Lessons from Event Planning and Ticket Sales

16:15 Empowering Women to Invest

18:49 The Gender Gap in Retirement

21:31 The Power of a Delusional Mindset

24:03 Looking Ahead: February and Future Plans

Are you exhausted from always trying to fix other people’s problems? In this episode of Pearls and Perils, Peta-Kay explores the superhero complex when helping others becomes harmful.

She shares her personal experience and explore the difference between helping and enabling, and how trying to save everyone can prevent both you and the people you care about from growing.

If you have a dilemma (peril) that you'd like to share anonymously email: ⁠[email protected]⁠ or send a direct message to @⁠yourfinancept⁠ on Instagram.

Book a Finance coaching session with me: https://www.pearlsandperils.com/​You can stay connected with me on social media

Instagram: https://www.instagram.com/yourfinancept/

Tik tok: https://www.tiktok.com/@yourfinancept

Grab a copy of my Finance & Budgeting tracker:https://www.pearlsandperils.com/shop

This episode explores the complex and painful topic of Spiritual abuse within churches.

Peta-Kay addresses why this conversation is necessary now and how it manifests within faith communities. She shares her personal experience from being in an abusive church for 10 years.

She discusses the realities of unhealthy church environments, the grief that comes with recognising harm in a place once trusted and unpacks key characteristics of spiritual abuse.

If you have a dilemma (peril) that you'd like to share anonymously email: ⁠[email protected]⁠ or send a direct message to @⁠yourfinancept⁠ on Instagram.Book a Finance coaching session with me: https://www.pearlsandperils.com/​You can stay connected with me on social media:Instagram: https://www.instagram.com/yourfinancept/Tik tok: https://www.tiktok.com/@yourfinanceptGrab a copy of my Finance & Budgeting tracker:https://www.pearlsandperils.com/shop

The Ghetto Therapy series begins with a raw and candid conversation. Returning guest and friend Chante opens up about her experience with financial abuse from a parent, shedding light on a form of abuse that often goes unspoken.

We explore how financial abuse can exist in parent child relationships, the emotional toll it takes, the financial impact and why recognizing it is the first step toward healing.

If you've experienced Financial abuse don't suffer in silence and seek professional help and report the fraud to the police.

If you're based in the UK: https://www.citizensadvice.org.uk/

https://www.reportfraud.police.uk/

Connect with Chante:

https://www.instagram.com/mschntay/

https://www.tiktok.com/@mschntay

https://www.youtube.com/@chantebennett

Connect with Peta-Kay:

Register for the Finance Reset session on 8th January 2026: ⁠www.pearlsandperils.com

Subscribe on Youtube: https://www.youtube.com/@pearlsandperils

⁠www.tiktok.com/@yourfinancept

https://www.instagram.com/yourfinancept⁠

There’s something about turning 30 that brings clarity and discomfort at the same time. In this episode, I open up about the lessons no one prepares you for.

From shifting goals and visions, evolving friendships, changing relationship dynamics, the beauty of partnership, and the fragility of life itself. And sobering reality that no one is coming to save you!

If you have a dilemma (peril) that you'd like to share anonymously email: ⁠[email protected]⁠ or send a direct message to @⁠yourfinancept⁠ on Instagram.

Register for the Finance Reset session on 8th January 2026: ⁠www.pearlsandperils.com

Subscribe on Youtube: https://www.youtube.com/@pearlsandperils

⁠Stay connected on Tiktok:⁠www.tiktok.com/@yourfinancept⁠

In this episode, Peta-Kay breaks down her personal investing strategy to build over £100,000 in investments by 40.

She shares mistakes she's made in her investing journey, her long term investing strategy and the principles guiding her investing decisions.

This episode isn't financial advice but is a transparent look at her personal journey, mindset, and approach to building wealth steadily over time.

If you have a dilemma (peril) that you'd like to share anonymously email: ⁠[email protected]⁠ or send a direct message to @⁠yourfinancept⁠ on Instagram.

Register for the Finance Reset session on 8th January 2026: ⁠www.pearlsandperils.comSubscribe on Youtube: ⁠https://www.youtube.com/@pearlsandperils

⁠Stay connected on Tiktok:⁠www.tiktok.com/@yourfinancept⁠

If you’ve been stuck setting goals, losing momentum, and telling yourself you’ll start “next month” or “in January,” this episode is for you.

We’re breaking down the common traps that keep you stuck an endless list of goals, relying on motivation, having no goals whatsoever and repeating the self-sabotage cycle. Getting into motion isn’t about doing more, it’s about creating follow through.

In this episode, you’ll learn how to move from motive to action by:

• Reviewing where you are and where you’re going

• Realigning your vision and goals

• Breaking goals into realistic actions, habits, and systems

• Resetting without quitting on yourself

This is about clarity, momentum, and starting now, not waiting for the “perfect time.”

Register for the Finance Reset Guided session on 18th December 2025 via: www.pearlsandperils.com⁠

If you have a dilemma (peril) that you'd like to share anonymously email: ⁠[email protected]⁠ or send a direct message to @⁠yourfinancept⁠ on Instagram.

Book in a finance coaching session with Peta-Kay: ⁠www.pearlsandperils.com⁠

Subscribe to our Youtube channel: ⁠www.youtube.com/thepearlsandperilsuk1⁠

Stay connected on Tiktok:⁠www.tiktok.com/@yourfinancept⁠

In this episode, Peta-Kay is joined by her husband Theo as they reflect on seven years of marriage. Together, they share the lessons they've learned, the challenges that shaped them, and how they’ve grown both individually and as a couple from their early 20s into their early 30s.

If you have a dilemma (peril) that you'd like to share anonymously email: ⁠[email protected]⁠ or send a direct message to @⁠yourfinancept⁠ on Instagram.

Book in a finance coaching session with Peta-Kay: ⁠www.pearlsandperils.com⁠

Subscribe to our Youtube channel: ⁠www.youtube.com/thepearlsandperilsuk1⁠

Stay connected on Tiktok:⁠www.tiktok.com/@yourfinancept⁠