Don't Depend On Daddy

Michela Allocca

Learn how to run your life without chaos. Don’t Depend on Daddy blends wellness, routines, and real-life systems to help you feel more grounded, organized, and independent. The conversations are practical and honest, focused on habits that stick, structure that supports your energy, and learning how to take care of yourself without chaos or burnout. The goal is to build independence through small, intentional choices - and create a life that you actually enjoy living. New episodes every Wednesday <3

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173 episodes
Updated Wednesday

Episodes173

Newest first

Jan 15, 2025 · 39 min
92. My Consumption Rules in 2025 to BUY LESS (and of course, buy better)
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
Jan 1, 2025 · 41 min
91. How To Make Your Life Better in 2025: Money, Career, Productivity, & Appearance
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
Dec 25, 2024 · 50 min
90. 2025 State of the Union: My Ins & Outs for the New Year
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
Dec 18, 2024 · 34 min
89. My Most Used + Loved Purchases of 2024 | Annual Favorites by PRICE!
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
Dec 11, 2024 · 50 min
88. Ask Michela: Moving Update, Extended Unemployment, Resisting the Urge to Splurge + More
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: Moving update - when are you moving? What are you most excited about for chicago? What are you doing with your car? Will you miss anything about LA and CA? What should I do if I’ve been unemployed for a year? What advice do you have for pivoting careers? How to navigate feeling lost in your career with pressure to advance and keep making more money? As a fellow WFH-er, how do you decide where to live/move? I’m overwhelmed with choices What advice do you have for starting content creation? How do you control the temptation to splurge? How should I prioritize paying down debt vs. investing? I graduated 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
Dec 4, 2024 · 34 min
87. Realistic Financial Milestones to Hit in Your 20s! (with ages)
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
Nov 27, 2024 · 38 min
86. 10 Tips & Tricks I Implement to UNDERconsume
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.
Nov 20, 2024 · 42 min
85. How I Transformed My Relationship with Money: My Financial Journey in my 20s!
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: https://breakyourbudget.com/personal-finance-dashboard Resource Library: https://breakyourbudget.com/resource-library FREE Recession Guide: https://breakyourbudget.myflodesk.com/recession FREE Personal Finance Starter Kit: https://breakyourbudget.myflodesk.com/mlncth2n40 Order OWN YOUR CAREER: 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 All Other Resources: www.breakyourbudget.com/links
Nov 13, 2024 · 46 min
84. Balancing Content Creation While Working a 9-5, Life in Tech, and More with Lillian Zhang
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: https://breakyourbudget.com/own-your-career-template FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 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 LILLIAN'S INFO: IG: https://www.instagram.com/bylillianzhang/ TikTok: https://www.tiktok.com/ @lillianZhang Free 4-page personal finance checklist (includes free resume template): https://tinyurl.com/4fnpmabc Ultimate money bundle (income and expenses budget tracker + net worth tracker): https://tinyurl.com/5n8wtket
Nov 6, 2024 · 26 min
83. The Top 5 Best Financial Decisions I’ve Made in my 20s
In this episode of DDOD, Michela share her top 5 best financial decisions from her 20s. These are the decisions she’s made that have had a major impact on her ability to grow wealth, from starting a side hustle, buying a car in cash, taking a pay cut and more. OWN YOUR CAREER: 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 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 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
Oct 30, 2024 · 32 min
82. 5 Steps to Crush Your Year-End Performance Review
In this episode of DDOD, Michela share 5 tips to *actually get something* out of your year-end performance review. These are important career conversations, so rather than simply checking the box, learn how to OWN your relationship with your manager and control the narrative of the conversation so you can position yourself to excel in the next year. OWN YOUR CAREER: 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 Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 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
Oct 23, 2024 · 28 min
81. Bounce Back from a Layoff: 5 Steps to Navigate Job Loss
In this episode of DDOD, Michela divses into the five most important steps to take if you get laid off. From processing the emotional impact to reassessing your career goals and updating your professional brand, this episode will guide you through each step with practical advice. Tune in to learn how to turn an unexpected setback into an opportunity for growth and a brighter career future! OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 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
Oct 16, 2024 · 36 min
80. Build Your Personal Brand: Strategies to Change Your Career Trajectory ft. Courtney Johnson
On this episode of DDOD, Michela sat down with Courtney Johnson, a personal brand expert and content creator based in Austin, TX. In this conversation, you learn all about personal branding, how to start a personal brand, social media strategies and tips, and so much more. If you’re ready to take your career to the next level and open yourself up to new opportunities, this is for you! COURNTEY’S LINKS: Linkedin: https://www.linkedin.com/in/courtneylynnjohnson/ Spotify: https://open.spotify.com/show/7oaV8L7rOBd878nlwydJrj Maven (Linkedin Cohort): https://maven.com/courtneyjohnson/personalbrand Patreon: https://www.patreon.com/courtneylynnjohnson Monday Megaphone Newsletter: https://artisanal-originator-6888.ck.page/0e038bf26a Instagram: @courtlynnjohnson Tiktok: @courtney..johnson OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 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
Oct 9, 2024 · 36 min
79. My Top 10 Intentional Splurges I’ve Made in my Late 20s
On this episode of DDOD, Michela shares her top 10 intentional splurges she has made in the last few years. These items are her most used products/items/etc that she has intentionally researched, planned for, and purchased. They span all price ranges, starting at $45 to $700. Links to everything I shared: https://shopmy.us/breakyourbudget/shelves GET RAKUTEN: https://www.rakuten.com/r/MICHEL156676?eeid=28187 RED LIGHT FACE MASK: code BREAKYOURBUDGET10 https://omniluxled.com/collections/all?transaction_id=1025c2a3d8fc00ddc3751947c154f0&utm_source=aspire&utm_medium=influencer&utm_campaign=breakyourbudget OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 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
Oct 2, 2024 · 21 min
78. How to Create a Holiday Savings Plan
On this episode of DDOD, Michela shares how you can start saving and budgeting for the holidays! Learn quick tips to plan your holiday budget, who you’ll buy for, map out expenses, and shop intentionally. GET RAKUTEN: https://www.rakuten.com/r/MICHEL156676?eeid=28187 OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 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
Sep 25, 2024 · 33 min
77. Back-to-Basics: 5 Personal Finance Moves to Make in Your 20s/30s
On this episode of DDOD, Michela breaks down the 5 things you need to do to get started on (or refresh) your financial journey. This is a back-to-basics episode where the foundations of financial literacy are discussed at length, including budgeting, account frameworks, setting goals, money tools, and financial routines. OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard 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
Sep 18, 2024 · 42 min
76. Life Update: I'm Moving! My Current Favorites! Chatty Q+A!
OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links Birks I got: https://www.birkenstock.com/us/-boston-soft-footbed-suede-leather/boston-suede2-suedeleather-softfootbed-eva-u_2215.html On this episode of DDOD, Michela shares an update on her moving plans, her current favorites, and answers a few of your questions about dating, HYSA, writing a book, getting confident on social media, and more!
Sep 11, 2024 · 26 min
75. 10 Micro Habits that are Sabotaging Your Finances
On this episode of DDOD, Michela shares 10 micro habits that might be keeping you broke. All of these micro habits are things you could be doing that are sabotaging your money. The best part is that they are all easily adjusted or changed, and don’t require getting a new job or increasing your salary. Do you do any of these? Leave a comment to let her know! OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links
Sep 4, 2024 · 36 min
74. How to Get a [New] Job By the End of 2024
On this episode of DDOD, Michela discusses a game plan to take advantage of the September Surge! The September Surge is a period after the summer but before the holiday season where recruiters and companies are the most focused on filling positions. She discusses how to give your public facing profiles a facelift, up your networking game, and put together a job application strategy. If you are looking for a new role you need to listen! (These tips apply at any point of the year, not just during September) OWN YOUR CAREER: https://breakyourbudget.com/oyc-book RESUME TEMPLATE: https://breakyourbudget.myflodesk.com/e985fd77-7555-40b0-9595-96b6cffa3e69 FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links
Aug 28, 2024 · 47 min
73. Ask Michela: Becoming a Morning Person, Balancing Financial Goals, Saving Too Much, and More!
OWN YOUR CAREER: https://breakyourbudget.com/oyc-book FREE FINANCIAL PLAN CRASH COURSE: https://breakyourbudget.myflodesk.com/rojmq2zecg Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard All Other Resources: www.breakyourbudget.com/links On this episode of DDOD, Michela answers your money/career/life questions! From how to stop impulse spending to optimizing your time while working from home. Here are the questions she covers: -How do I stop impulse spending on clothes and shopping? -What HYSA do you recommend? What bank accounts do you use? -Do you have recommendations for the car buying process? -Is there such thing as “saving too much?” -Do you have advice for job hunters that are desperate to get out of a toxic job? -How to decide between paying off medium interest debt and investing? How to optimize efficiency when working from home? -How to become a morning person? -How do you structure your business? -Have I read ‘Die With Zero’ and what do I think about the strategy? -Advice for balancing saving for retirement and medium term goals like a down payment? -Reasons for wanting to move away from LA?