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

Aug 21, 2024 · 28 min
72. Credit Cards 101: Building Your Credit + How to Choose the Right Card for You
(sorry the audio on this is a tad weird!) 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 does a deep dive on credit cards! She covers what factors make up your credit score, how to build and boost your credit, how to figure out the right credit card for you, and her current suite of cards. If you have credit card questions and are looking for the right card, this is a great episode for you!
Aug 14, 2024 · 34 min
71. 5 Tips to Navigate a Looming Recession
HYSA vs. CD Article: https://www.ally.com/stories/save/cd-vs-savings-account/ 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 shares 5 tips to navigate and prepare for a recession. There were many compounding factors that have led to this point and unfortunately we are on the edge of what could be another recessionary period. If you are feeling concerned and are seeking tips on how to prepare your finances and your career for a recession, this is for you! She covers: -How to take a financial snapshot -How to evaluate your cash position -Why you should prioritize your debt -How to find areas in your budget to reduce -Why you need to uplevel your skillset
Aug 7, 2024 · 28 min
70. 5 Tips to Get Your Spark Back
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 shares 5 steps to get your spark back if you are feeling in a funk! From focusing on your routines, getting out of the house, asking for help, spending extra time planning, and more. If you are also dealing with the summer blues or have just been feeling “off” this is for you!
Jul 31, 2024 · 57 min
69. Asking the Right Questions and Negotiating EVERYTHING ft. Matt Schulz
On this episode of DDOD, Michela is joined by Matt Schulz to discuss tactics for advocating for and negotiating your money! Matt Schulz is a credit analyst at lending tree, and has been featured on national shows like good morning America, today show, NBC nightly news and more to share his expertise around personal finance and taking control of your financial life. His book, Ask Questions, Saving Money, Make more is a powerful, step by step guide for improving your finances by getting better rates and discounts from credit card companies, banks, hospitals, and other businesses, just by asking! The book is full of scripts and scenarios to help you advocate for yourself with more confidence. Questions we cover: -Financial lessons for your younger self -How to feel more confident speaking up and asking the right questions -Questions to ask across the 7 most important categories of your money: credit/debt, healthcare, housing, shopping, travel, work, and relationships Matt’s Book: https://www.mattschulz.com/ 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
Jul 24, 2024 · 33 min
68. Ask Michela: (Personal) Dating, Travel Plans, Books, Spending/Splurging, & More!
This week Michela is answering your personal questions! She shares an update on how dating is going, future travel plans and a big trip for 2025, how she organizes future purchases, her "menu" for emotional shopping, books she is reading, combining finances 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
Jul 17, 2024 · 32 min
67. Catch Up + A Few Favorites: East Coast Recap, My Thoughts on SF & More!
On this episode of DDOD, Michela does a formal life catch up from her last few weeks of travel. Between her time in NYC, on Cape Cod, and in SF - she shares a ton of new life updates and perspectives! OWN YOUR CAREER: https://breakyourbudget.com/oyc-book Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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
Jul 10, 2024 · 24 min
66. 5 Unconventional Money & Career Lessons I've Learned in my 20s
OWN YOUR CAREER: https://breakyourbudget.com/oyc-book Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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 shares 5 new money and career lessons she has learned in her 20s! From going against the grain, learning how to enjoy your money, to really OWNING your decisions throughout your life, this episode is an eye-opener. If you’re feeling lost and want to take your professional and financial power back, this is for you.
Jul 3, 2024 · 25 min
65. Freakout to Freelance: My Career Transformation in my 20's
OWN YOUR CAREER: https://breakyourbudget.com/oyc-book Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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 SPECIAL episode of DDOD, Michela is reading Chapter 1 of OWN YOUR CAREER, which is now *OFFICIALLY* available for purchase! You’ll hear her 4 most important career lessons she learned in her 20s along with her career story, from navigating corporate post-grad, to finding a corporate job she didn’t hate, and starting Break Your Budget and turning it into a 7-figure business. If you’re ready to take your professional power back, this is for you!
Jun 26, 2024 · 32 min
64. Why Taking a Pay Cut Was the Best Career Decision I've Ever Made
OWN YOUR CAREER: https://breakyourbudget.com/oyc-book Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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 tells the story of taking a pay cut. She recounts the decision-making process when switching industries and evaluating different job opportunities to navigate a career change. She also shares some untold stories that she has not talked about anywhere else!
Jun 19, 2024 · 42 min
63. The Blueprint to Build a Powerful Personal Brand
OWN YOUR CAREER: https://breakyourbudget.com/oyc-book CAREER OVERHAUL BOOTCAMP: https://breakyourbudget.myflodesk.com/jq6169t6cz Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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 discusses the importance of personal branding and how to create and leverage a personal brand to make more money. If you are interested in learning more about social media, increasing your income, and are seeking a strategy and tips to get started, this is for you!
Jun 12, 2024 · 47 min
62. Recipe for a Hot Girl Summer (Steps, Protein, Body Care, Makeup, and more!)
OWN YOUR CAREER: https://breakyourbudget.com/oyc-book CAREER OVERHAUL BOOTCAMP: https://breakyourbudget.myflodesk.com/jq6169t6cz Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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 shares her tips for looking and feeling your best this summer. From her workout split, step counts, adding more protein into her diet, body care routine, morning/night routines, summer makeup and products she is loving. If you want to have a hot girl summer, this is for you!
Jun 5, 2024 · 34 min
61. How to Save Money at the Grocery Store & Waste Less
On this weeks episode, Michela shares 5 tips to save more money at the grocery store! She keeps her grocery budget between $250-$300 per month by implementing the 3-2-1 method, shopping her pantry, and implementing the other strategies she talks about. If you are looking to trim your grocery budget, this episode is for you! OWN YOUR CAREER: https://breakyourbudget.com/oyc-book CAREER OVERHAUL BOOTCAMP: https://breakyourbudget.myflodesk.com/jq6169t6cz Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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
May 29, 2024 · 41 min
60. I'm in my ~Hobby Era~ and You Should Be, Too!!
In this episode, Michela talks all about hobbies! Over the last year, she has been focused on exploring different hobbies and figuring out what she is passionate about. Learn why hobbies are so important, all about the hobbies Michela has fallen in love with, and get ideas for a hobby you can start this year. Cool people have hobbies! OWN YOUR CAREER: https://breakyourbudget.com/oyc-book CAREER OVERHAUL BOOTCAMP: https://breakyourbudget.myflodesk.com/jq6169t6cz Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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
May 22, 2024 · 43 min
59. Optimize Your Wardrobe and Elevate Your Style ft. Lauren Morley
OWN YOUR CAREER: https://breakyourbudget.com/oyc-book CAREER OVERHAUL BOOTCAMP: https://breakyourbudget.myflodesk.com/jq6169t6cz Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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 sat down with Lauren Morley, the host of the Millennial Minimalist podcast and closet expert! This conversation covers why a capsule wardrobe may not be the best fit for building out your optimal wardrobe, Lauren’s Outfit System, how to find your personal style, where to save vs. splurge, and so much more! If you have ever felt personally victimized by your closet, you’ll love this episode! LAUREN'S DETAILS: Website: https://www.theclosetcourse.com/ Free E-Guide: https://www.theclosetcourse.com/free The Outfit System E-Guide: https://www.theclosetcourse.com/guide The Closet Course: https://www.theclosetcourse.com/thecourse One-on-One Coaching: https://www.theclosetcourse.com/one-on-one Millennial Minimalists Podcast: https://podcasts.apple.com/ca/podcast/millennial-minimalists/id1432155616
May 14, 2024 · 36 min
58. How I Cleared My Skin: Birth Control, Diet, Exercise, Products and Lifestyle Changes
OWN YOUR CAREER: https://breakyourbudget.com/oyc-book CAREER OVERHAUL BOOTCAMP: https://breakyourbudget.myflodesk.com/jq6169t6cz Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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 shares her journey to clearing her skin in her twenties. She talks about coming off birth control, changing her diet and eating more plant-based, reducing stress through exercise, and the products she is using! DISCLAIMER: This is not medical advice. Michela is not a doctor and is sharing what worked for her, which may not work for you. Talk to your own doctor!
May 8, 2024 · 58 min
57. Ask Michela (Career): Balancing a Side Hustle and a 9-5, Managing your Manager, Registering Your Business & More!
OWN YOUR CAREER: https://breakyourbudget.com/oyc-book Career Overhaul Bootcamp: https://breakyourbudget.myflodesk.com/jq6169t6cz Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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 side hustle and career questions!From how to manage a side hustle with a full time job, how to register your business, how to deal with a micromanager, how to stand out at work and so much more! If you are looking for career tips or logistical tips for building your side hustle, you’ll love this episode! QUESTION LIST: -Tips to balance your side hustle with a 9-5 job -How do you handle side hustle taxes? -Do you need to register your business before starting a side hustle? Should I be an LLC? -I’ve held myself back from starting a side hustle for fear of losing my FT job, any advice? -How to know when its time to drop a side hustle from your schedule? -Taxes, invoices, systems/platforms for side hustle finances -Do you have any advice for managing your manager? My boss is a micromanager -Do you have tips for how to find a work mentor? How do I facilitate the relationship as a mentee? -General ways to stand out on your team as a capable and competent person -Do you have a checklist for the first week/month of a new job besides getting my 401k set up? -What to do when you get assigned work projects you don’t like
May 1, 2024 · 1 hr 1 min
56. How to Start & Scale a 6-Figure Side Hustle
On this weeks episode of DDOD, Michela breaks down how to choose a side hustle and the 4 phases to follow to get started. You'll learn the difference between skill-based and low/no-skill side hustles, how to come up with a side hustle idea, content marketing and leveraging social media for business, coming up with a service or offer idea, digital products and more! OWN YOUR CAREER: https://breakyourbudget.com/oyc-book Register for Career Overhaul Bootcamp: https://breakyourbudget.myflodesk.com/jq6169t6cz Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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
Apr 24, 2024 · 40 min
55. How I Am Upgrading and Elevating my Life in my Late 20s
On this episode, Michela shares 3 ways she is upgrading her life in her later twenties. As part of the discussion, she covers lifestyle creep and when it is and is not OK and how to put a purchase into the context of your financial plan. OWN YOUR CAREER: https://breakyourbudget.com/oyc-book RESUME TEMPLATE: https://view.flodesk.com/pages/64cc3cafe7271772c0fccfa1 Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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
Apr 17, 2024 · 41 min
54. Side Hustle to 7-Figure Business: Lessons from 2 Years of Self-Employment
On this episode of DDOD, Michela reflects on two years of working on Break Your Budget full-time. From major accomplishments (that are not properly celebrated) to key lessons and takeaways she's learned about working over the last 2 years, if you're someone who wants to start a business or is just looking for some re-assurance that you're on the right path, this episode is for you. OWN YOUR CAREER: https://breakyourbudget.com/oyc-book RESUME TEMPLATE: https://view.flodesk.com/pages/64cc3cafe7271772c0fccfa1 Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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
Apr 10, 2024 · 29 min
53. Spring State of the Union
In this episode, Michela shares her ins & outs for spring 2024! She is in her fitness, hobbies, and homemaking eras and you'll hear more about each in this episode! OWN YOUR CAREER: https://breakyourbudget.com/oyc-book Don’t Depend on Daddy Moment of the Week: https://forms.gle/X4i4Q11rxqaNhX9y8 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