PodcastsCoursesBecoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

Germaine Foley | Financial Coach
Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women
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183 episodes

  • Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

    180. Why You Keep Falling Back Into Old Money Habits (Your Financial Thermostat Explained)

    2026/06/02 | 18 mins.
    If you've ever paid off debt, built up your savings, gotten a bonus, or felt like you were finally getting ahead... only to find yourself right back in the same place a few months later, this episode is for you.
    We're talking about a hidden pattern that keeps many women stuck financially, even when they're making good money and doing all the "right" things.
    It's not a lack of discipline.
    It's not because you're bad with money.
    And it's not because you don't care about your future.
    It may be because your financial thermostat keeps pulling you back to what's familiar.
    In this episode, we're exploring why progress can feel temporary, why old money habits keep resurfacing, and what it really takes to create lasting change.
    We'll get into:
     Why your brain prefers familiar financial patterns, even when they aren't serving you. 
     The hidden reason you keep ending up back in debt, overspending, or starting over. 
     Why knowing what to do with money isn't the same as doing it consistently. 
     How your financial thermostat influences your spending habits, savings, and debt. 
     The powerful question that can help you identify the pattern you keep repeating. 
    If you've ever thought:
    "How am I back here again?"
    Or:
    "I make good money, so why does it feel like I'm always starting over?"
    This episode will help you understand what's really happening beneath the surface.
    Because lasting financial change isn't just about changing the numbers.
    It's about changing what feels normal.
    And once your new habits, new behaviors, and new financial decisions start feeling normal, that's when real wealth building begins.
    Ready for support?
    If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation.
    This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently.
    Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster.
    Click Here to Schedule yours today
  • Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

    179. The Skill of Having Money: Why You Keep Spending Your Savings

    2026/05/26 | 21 mins.
    If you’ve ever saved money, watched your account start to grow… and then suddenly found yourself spending it on things that felt completely justified, this episode is for you.
    We’re talking about a skill most women were never taught: the skill of actually having money.
    Not just making money.
    Not just spending money.
    But letting money stay in your life long enough to become savings, security, peace, investing, and wealth.
    This episode breaks down why so many women who make good money still struggle to keep it, and why money can seem to disappear just as quickly as it comes in.
    We’ll get into:
     Why saving money can feel surprisingly uncomfortable. 
     The real reason your brain starts finding places for money to go once it starts accumulating. 
     How overspending quietly keeps wealth from building over time. 
     Why more income does not automatically create financial security or peace of mind. 
     The mindset shift that helps you build wealth without feeling deprived. 
    If you’ve ever:
    transferred money into savings… only to spend it shortly after…
    used bonuses for “important” purchases that kept delaying your financial goals…
    or felt like your income has increased but your peace has not…
    this episode will help you understand what’s actually happening underneath those patterns.
    Because this isn’t about being irresponsible.
    And it’s not about never spending money.
    It’s about expanding your capacity to actually have money instead of immediately turning it into something else.
    And once you learn that skill, your income can finally start becoming what you actually want it to become:
    peace of mind, savings, debt freedom, investing, options, and long-term wealth.
    If you’re realizing this is the exact pattern you’ve been stuck in, this is the kind of work we do inside money coaching.
    Ready for support?
    If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation.
    This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently.
    Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster.
    Click Here to Schedule yours today
  • Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

    178. Your Brain Wasn’t Designed to Build Wealth (And That Changes Everything)

    2026/05/19 | 24 mins.
    If you’ve ever known what you should do with money… but still found yourself overspending, avoiding your finances, or falling back into old habits, this episode is for you.
    We’re talking about why building wealth can feel so hard, even for smart, capable women who make good money and genuinely want to change.
    This episode breaks down the hidden battle happening in your brain between immediate comfort and long-term wealth building, and why so many financial habits feel automatic.
    We’ll get into:
     Why your brain prefers familiar financial patterns, even when they aren’t helping you. 
     The reason overspending and emotional spending can feel almost automatic. 
     Why saving money, paying off debt, and building wealth often feel uncomfortable at first. 
     How small money habits and spending patterns quietly shape your financial life over time. 
     Why becoming more intentional with money matters more than being perfect. 
    If you’ve ever said:
     “I’ll start next month.”
     “One more thing won’t hurt.”
     or:
     “I just want to feel better…” this episode will help you understand what’s actually happening underneath those moments.
    Because this isn’t about a lack of discipline.
    It’s about learning how to work with your brain instead of constantly fighting against it.
    And once you become more aware of your patterns, urges, and emotional habits around money, you can start making decisions that actually support the life and future you want to build.
    If you’re ready to stop operating in survival mode and start building wealth more intentionally, this is exactly the work I do with my clients.
    Ready for support?
    If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation.
    This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently.
    Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster.
    Click Here to Schedule yours today
  • Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

    177. Why Building Wealth Feels So Hard (Even Though It’s Actually Simple)

    2026/05/12 | 17 mins.
    If you’ve ever felt like building wealth is complicated, overwhelming, or something everyone else understands except you… this episode is for you.
    We’re talking about why wealth building is actually much simpler than most people make it out to be, and the five core areas of money that determine whether wealth grows or not.
    This episode breaks down the real reason so many women who make good money still struggle with saving money, paying off debt, and building wealth long term.
    We’ll get into:
     The real reason building wealth feels harder than it should. 
     Why making more money still isn’t translating into financial security for so many women. 
     The one area of money that quietly keeps wealth from accumulating. 
     How your thoughts about money may be keeping you stuck financially. 
     Why some people build wealth steadily… while others keep spinning their wheels. 
    If you’ve ever thought:
     “I make good money… so why doesn’t it feel like I’m getting ahead?”
     or:
     “I should have more to show for what I earn…”
    this episode will help you start connecting the dots.
    Because wealth building isn’t about perfection.
     It’s about learning how to manage the five areas of money consistently over time.
    And once you understand which lever needs the most attention right now, you can start making real progress without trying to fix everything at once.
    If you’re ready to simplify your finances, stop overspending, and build wealth in a way that actually fits your real life, this is exactly the work I do with my clients.
    Ready for support?
    If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation.
    This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently.
    Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster.
    Click Here to Schedule yours today
  • Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

    176. Why You Make Good Money But Still Don’t Feel Wealthy

    2026/05/05 | 25 mins.
    If you make good money but still feel like you should be further along financially, this episode is for you.
    We’re talking about what it really means to be a high earner, not rich yet, and why your income isn’t translating into actual wealth.
    This isn’t about needing to make more money. It’s about what’s happening with your spending, your habits, and the way your money is being managed behind the scenes.
    In this episode, I break down why so many high earners stay stuck and what’s actually getting in the way of building wealth.
    We’ll get into:
     Why making more money doesn’t automatically lead to saving money or building wealth. 
     How overspending quietly keeps high earners from getting ahead. 
     The gap between earning well and managing money effectively. 
     Why building wealth requires more than just income, including spending, debt, saving, and investing. 
    If you’ve ever looked at your income and thought, “I make good money… so where is it all going?” or felt like you should have more saved, less credit card debt, or more to show for what you earn… this will help you start connecting the dots.
    Because this isn’t about working harder or earning more.
    It’s about how your money is actually working for you.
    And once you understand what’s really going on, you can start making decisions that move you toward real financial security and long-term wealth.
    Ready for support?
    If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation.
    This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently.
    Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster.
    Click Here to Schedule yours today
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About Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women
A personal finance podcast for women who make good money but still struggle with overspending, credit card debt, and/or saving money. This isn’t about strict budgets or deprivation, it’s about getting to the root of why money still feels hard even though you’re successful in other areas of your life. Hosted by Germaine Foley, the show focuses on mindset and building systems that actually work in real life.If you’ve paid off debt before, grown your business, or made more money but still feel stuck, there’s nothing wrong with you. Overspending and financial stress aren’t a lack of discipline, they’re a sign that the strategies you were taught don’t fit your real life. This show helps you understand what’s actually happening beneath the surface so you can finally change it.Each episode offers honest conversations, practical insights, and a new way to think about money that supports both your life now and your long-term goals. If you’re ready to stop stressing about money all the time and start moving forward, you’re in the right place.
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