Do you feel like you’re making progress with money, but somehow still feel behind? Maybe you’re already saving, paying your bills on time, and investing a little. But you still find yourself thinking: "Wait… am I actually doing this right?" And when you try to find the answer, you get even more frustrated because everything online feels like it was made for some Wall Street bro obsessing over his next trade. If you’re craving money conversations that actually reflect you — an ambitious, vibrant woman using her money to build a life that feels abundant in every sense — come hang with us. Welcome to the Finance Girlies, a money podcast for the girlies who’ve never felt seen by traditional finance advice. We’re your hosts, Emily Batdorf and Cassidy Horton. Between the two of us, we’ve spent more than a decade researching and writing for big publications in the personal finance space. Now, every Wednesday, we’re sharing our financial knowledge, experience, and hard-won confidence with you. (And when it’s helpful, we bring in trusted experts to help us unpack the more complex topics.) During each episode of The Finance Girlies, we’ll cover topics like: Why you don’t have to feel “ready” before you start investing How to be a more conscious consumer when you’re constantly being #influenced How your career as a freelancer, entrepreneur, or employee affects your financial reality How to handle money conflicts in relationships — and strategies to avoid them altogether How your money beliefs directly impact your financial habits and choices Together, we’ll explore how you relate to money: through conversations with your partner, the paycheck you earn, and how you spend your days. Instead of throwing prescriptive advice at you, we’ll give you helpful reframes, mindset tools, and why-did-nobody-teach-me-this tidbits to help you build financial confidence every day. If you’ve ever felt like personal financial advice was too dry, impractical, condescending — or just too bro-y — we invite you to pop in an earbud and let out a deep exhale.
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Finance Girlies: Money Conversations for Gen Z and Millennial Women is a business podcast hosted by Unknown Host, with 0 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.
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Episode #89
We tried it: Opening (and investing in) an HSA / 89
Aug 19, 202616 minS1
Opening a Health Savings Account (HSA) sounds like something that requires hours of research and a dozen decisions. In reality? After putting it off for almost a year, Cassidy finally opened one in eight minutes. In this episode, we’re sharing exactly how we opened, funded, and invested our HSAs — from choosing a provider to deciding how much to keep in cash versus invest. We also talk about when it makes sense to use your HSA for medical expenses today and when you might choose to let that money grow for the future. ✨ Episode Highlights ✨ [00:00] Why HSAs can be so powerful — and why investing the money is worth considering [03:30] How we chose where to open an HSA and set up contributions [06:30] A real-life look at our HSA investments (and realizing we may have some adjustments to make!) [09:00] Putting off opening an HSA for almost a year — only to get it done in 8 minutes [11:30] Funding and investing an HSA, including how much to keep available in cash [13:30] Using your deductible as a guide for deciding how much HSA money to keep in cash [15:00] Therapy, menstrual products, and other expenses that may qualify for HSA funds ✨ Resources ✨ Health Savings Accounts (HSAs): The incredible financial tool you may be overlooking (Finance Girlies episode 54) Fidelity HSA IRS list of qualified medical expenses Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter Visit The Finance Girlies website: https://www.thefinancegirlies.com/ Email us your money questions: hello@thefinancegirlies.com Follow us on Instagram: https://www.instagram.com/thefinancegirlies/
It's funny how some money rules can feel like absolute truth... until they don't. As we've learned more about personal finance — and lived a little more life — we've found ourselves changing our minds about advice we used to follow (sometimes, without question). Some of those rules helped us build great habits, while others eventually became more limiting than helpful. In this episode, we're sharing ten money rules we've personally let go of over the years, from avoiding all debt and obsessing over lifestyle creep to believing you have to buy a house or put 20% down to be "good" with money. We talk about what changed our minds, where these rules can still be helpful, and why personal finance is often a lot more nuanced than the internet makes it seem. ✨ Episode Highlights ✨ [00:00] Why we're revisiting the money rules we used to follow, and why it's okay for your financial philosophy to evolve [02:00] Why we no longer believe all debt is bad, and how low-interest debt can sometimes make financial sense [04:30] Our approach to using credit cards responsibly, and why avoiding them isn't always the best advice [06:00] Why waiting to invest until you're completely debt-free can cost you valuable time in the market [09:00] The difference between intentional lifestyle upgrades and keeping up with everyone else [12:00] Why we don't believe buying a home should be everyone's default financial goal (but it’s okay if it’s your goal) — and why renting can be a great choice for many [16:00] The truth about putting 20% down on a house and why many buyers take a different path [19:30] Why your emergency fund is meant to be used, and how to let go of the guilt when life happens [24:00] How our views on the FIRE movement have changed and why balance matters more than financial perfection [29:30] Why the "financially optimized" choice isn't always the right choice — and how talking openly about money can make all the difference ✨ Resources ✨ Episode 70: Rethinking the Emergency Fund Episode 8: Debt 101: Is being in debt always bad? Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter Visit The Finance Girlies website: https://www.thefinancegirlies.com/ Email us your money questions: hello@thefinancegirlies.com Follow us on Instagram: https://www.instagram.com/thefinancegirlies/
Our month-long money diary: Does our spending align with our values? / 87
Aug 5, 202646 minS1
We love a good “look at your numbers” moment — but what happens when you take it one step further and ask, does this actually reflect the life I want? In this re-release of a previously Insiders-only episode, we map our real-life spending against our core values. And honestly, it felt a little vulnerable. We start by sharing our personal values, then break down exactly where our money went throughout the month. Finally, we talk through what felt aligned… and what didn’t. From therapy and travel to yoga memberships, beauty spending, and supporting local businesses, this conversation is equal parts practical and reflective — the kind that helps us zoom out and course-correct without shame. If you’ve ever felt like you’re “doing okay” with money but are still wondering if you’re actually making the most of it, this episode is for you. ✨ Episode Highlights ✨ [01:30] Why we started by defining our core values before looking at a single dollar we spent. [05:00] A peek inside our real spending from the month — including rent, travel, groceries, therapy, and more. [12:30] The discretionary purchases that brought us the most joy — and the ones that made us pause. [14:00] How travel, yoga, therapy, and meaningful relationships showed up in our spending. [16:30] The purchases that didn't feel as aligned with our values, even if they weren't "bad" decisions. [19:30] Why some spending categories feel so emotionally loaded, and how we're learning to think about them differently. [25:30] From beauty routines to housing costs, we share the purchases we sometimes second-guess — without the shame. [31:00] The values we'd spend even more on if money weren't a limiting factor. [39:00] What this exercise revealed about our habits, plus the small course corrections we're making moving forward. [44:30] One simple question that can tell you far more than just tracking where your money goes. ✨ Resources ✨ Ramit Sethi’s Rich Life Journal The Slight Edge by Jeff Olson You Don’t Need a Budget by Dana Miranda Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter Visit The Finance Girlies website: https://www.thefinancegirlies.com/ Email us your money questions: hello@thefinancegirlies.com Follow us on Instagram: https://www.instagram.com/thefinancegirlies/
Personality-based budgeting with budget coach Erin Britt / 86
Jul 29, 202639 minS1
Some people color-code their budgets, reconcile every transaction, and genuinely enjoy a spreadsheet. Others would rather do just about anything else. If you've ever looked at someone else's budgeting system and thought, There's no way I could keep up with that, you’ll want to hear this conversation. In this episode, we chat with budget strategy coach and host of The Budget Effect , Erin Britt, to unpack one big question: does your personality determine whether you'll be good at budgeting? We explore the strengths that both type A and type B personalities bring to money management, why flexibility matters more than perfection, and how to build a budgeting system that actually fits your life instead of forcing you into someone else's. ✨ Episode Highlights ✨ [00:00] Why personality type has more to do with budgeting than you might think. [02:00] Can type B personalities actually budget? Why everyone needs a money system, even if you hate structure. [06:00] Breaking down the common traits of type A and type B personalities, plus how each one influences money habits. [09:30] Why traditional budgeting advice often feels designed for type A personalities — and what type B budgeters need instead. [11:30] The freedom of giving yourself permission to change your budget every month as your life changes. [16:30] Why personalizing your budget categories can make budgeting feel more motivating and aligned with your values. [19:00] Budget "rules" you can let go of, and why flexibility doesn't mean giving up financial boundaries. [23:30] How different budgeting styles — from detailed categories to broad spending buckets — can all be successful. [26:30] How to tell whether a budgeting method simply needs more practice or genuinely isn't the right fit for you. [32:00] What type A and type B personalities can learn from each other, and why comparison rarely helps your financial journey. ✨ Resources ✨ Listen to Erin's podcast, The Budget Effect Visit The Budget Effect website: https://thebudgeteffect.com Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter Visit The Finance Girlies website: https://www.thefinancegirlies.com/ Email us your money questions: hello@thefinancegirlies.com Follow us on Instagram: https://www.instagram.com/thefinancegirlies/
Is investing $100 a week enough to fund retirement? / 85
Jul 22, 202614 minS1
When it comes to retirement, one question comes up again and again: How much is actually enough? It’s common to see advice online that says to invest a certain amount every week, but it’s much harder to know whether that number will actually get you where you want to go. In this episode, we break down one of the internet’s most common investing questions: Is investing $100 a week enough for retirement? We walk through the math behind what consistent investing can grow into over 20, 30, and 40 years, explain why time matters just as much as the amount you invest, and share a simple framework you can use to figure out whether you're on track for your own retirement goals. If you've ever wondered how much you really need to retire — or worried that you're not investing enough — this episode will help you think through the numbers with more confidence and less overwhelm. ✨ Episode Highlights ✨ [00:00] Is investing $100 a week enough to retire? The five factors that determine the answer. [02:30] How $100 a week can grow over 20, 30, and 40 years — and why time is your biggest advantage. [06:30] A simple way to calculate your retirement number using your expected annual spending and the rule of 25. [08:00] How Social Security and other income sources can reduce the amount you need to save on your own. [09:30] The retirement expenses people often forget to factor in — and the ones that may disappear altogether. [11:30] Why your retirement contributions don't have to be perfect to keep making meaningful progress. ✨ Resources ✨ Investor.gov compound interest calculator Vanguard retirement expenses worksheet Retirement calculator (Merrill) SSA.gov — My Social Security account Rule of 25 retirement planning framework Get The Finance Girlies newsletter: https://www.thefinancegirlies.com/newsletter Visit The Finance Girlies website: https://www.thefinancegirlies.com/ Email us your money questions: hello@thefinancegirlies.com Follow us on Instagram: https://www.instagram.com/thefinancegirlies/
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