The Vault with Financielle

Financielle

Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from Leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault.

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20 episodes
Updated Thursday

Episodes20

Newest first

Thursday · 29 min
"I Want to Retire at 45 — Am I Delusional or Is FIRE Actually Achievable?” | The Vault Episode 127
We're closing the Vault for a little while, but we're going out on a high 🥹This week's dilemmas:💸 "I Want to Retire at 45. Am I Being Delusional or Is FIRE Actually Achievable on a Normal Salary?"💸 "My Brother Gets £150 a Month in Pocket Money — How Do I Set Him Up Financially Before He Makes My Mistakes?"Thank you so much for being part of The Vault with Financielle community, we'll be back soon with some of our favourite episodes while we take a little break. 🤍In the meantime, check out all the amazing content we have at https://financielle.com/ 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at Lifesearch * * The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
July 23 · 46 min
"He Wants One Joint Account — I Have 10 Sinking Funds” | The Vault Episode 126
When two very different money personalities move in together… something's gotta give 👀 This week's dilemmas: 💸 "He Wants One Joint Account for Everything — But I Have 10 Sinking Funds and I Cannot Give Them Up" 💸 "I Earn a Good Salary, Own 2 Rental Properties, and Still Don't Know What to Do With My Money" Got a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [thevault@financielle.com] 💌 You don't have to figure this out alone. More honest money chat at financielle.com 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at Lifesearch * * The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
July 16 · 35 min
"I Was Gifted £50k and I'm Buying My First Home Alone” | The Vault Episode 125
From massive life changes to big money gifts, this week's dilemmas are proof that even good things can still keep you up at night 😅 This week's dilemmas: 💸 "I'm Moving Abroad for Two Years — What Happens to My Pension and ISA While I'm Gone?" 💸 "I Was Gifted £50k and I'm Buying My First Home Alone — What Do I Need to Know?" Got a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [thevault@financielle.com] 💌 You don't have to figure this out alone. More honest money chat at financielle.com 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at Lifesearch* * The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
July 9 · 34 min
"I Earn £50k But I Want to Take a £20k Pay Cut” | The Vault Episode 124
This week we're getting into the messy reality of mortgage overpayments, emergency funds, and whether a dream job is worth a £20k pay cut 👀 This week's dilemmas: 💸 "I've Been Overpaying My Mortgage for Two Years — But I Have Nothing in Savings. Am I Backwards?" 💸 "I Earn £50k and Want to Take a £20k Pay Cut — Am I Making a Huge Mistake?" Mentions: 🏡 Amortization calculator: https://www.calculator.net/amortization-calculator.html 💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)* Got a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [thevault@financielle.com] 💌 You don't have to figure this out alone. More honest money chat at financielle.com 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at Lifesearch* * The above are tracked links, which tell our partners we sent you and may in future result in a payment or benefit to our site.
July 2 · 39 min
“Help! I’m inheriting £300k” | The Vault Episode 123
What would you actually do with a life-changing inheritance? 👀 This week's dilemmas go deep: 💸 "Help! I’m inheriting £300k"💸 "We're Paying Off £9k of Debt, But I Can't Stop Spending On My Daughter" Plus we asked the community: have you ever used AI for your finances? Would you trust it with your bank statements? 🤖 Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [thevault@financielle.com] 💌 You don't have to figure this out alone. More honest money chat at financielle.com 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at Lifesearch * * The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
June 25 · 45 min
"Do we stay for the pension or leave for the life we actually want?” | The Vault Episode 122
We asked how much you've spent on a wedding that wasn't yours… and some of your answers were shocking 😅💸 This week's dilemmas: 💸 "Do we stay for the pension or leave for the life we actually want?" 💸 "Is this lifestyle creep or self care?" Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email us at [thevault@financielle.com] 💌 You don't have to figure this out alone. More honest money chat at financielle.com 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at Lifesearch * *The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
June 18 · 39 min
"I earn £113k and I still don't know whether to rent or buy" | The Vault Episode 121
What's the first thing you cut when money gets tight? Coffee? Eating out? Nails? 👀 This week's dilemmas: 💸 "I'm 42, buying a house with my younger boyfriend — should we go big on the deposit or invest the rest?" 💸 "I earn £113k and I still don't know whether to rent or buy" Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email us at [thevault@financielle.com] 💌 You don't have to figure this out alone. More honest money chat at financielle.com 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at Lifesearch * *The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
June 11 · 39 min
“What's the point of saving if life can take it all away?” | The Vault Episode 120
If you won the lottery tomorrow, would you take a lump sum of cash or Set for Life? This week's dilemmas: 💸 “My dad worked his whole life just to pay for his own care” 💸 "Help! The spreadsheet is his Bible…” Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email us at thevault@financielle.com 💌 You don't have to figure this out alone. More honest money chat at financielle.com 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at Lifesearch * *The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
June 4 · 43 min
“I Want to Go Self-Employed — But I'm Terrified of Getting the Money Wrong” | The Vault Episode 119
We asked what you refuse to cheap out on… and Heinz, 3-ply toilet roll and a good mattress came up more than we expected 😂 This week's dilemmas: 💸 "I Want to Go Self-Employed — But I'm Terrified of Getting the Money Wrong"💸 "I Have £10k Saved — Should I Blow It All to Clear My Debt?" Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email us at thevault@financielle.com 💌 You don't have to figure this out alone. More honest money chat at financielle.com 💖💸
May 28 · 39 min
“My Friends Split Everything 50/50 — But We Don't All Earn the Same” | The Vault Episode 118
You told us whether you have or want a second job… and the results might surprise you 👀 This week's dilemmas hit different: 💸 "My Landlord Wants to Sell and Is Offering Me First Refusal — Can I Actually Buy This House?"💸 "My Friends Split Everything 50/50 — But We Don't All Earn the Same" Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email us at thevault@financielle.com 💌 You don't have to figure this out alone. More honest money chat at financielle.com 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at ⁠Lifesearch⁠ * *The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
May 21 · 38 min
"I've Been Lying to My Partner About My Salary for Three Years” | The Vault Episode 117
We asked: what money advice would you give your younger self? Tell us in the comments! 👇 This week we're diving into two very different but very real money dilemmas:💸 "I've Been Lying to My Partner About My Salary for Three Years"💸 "I Work Two Jobs and Still Can't Make a Dent in My Debt" Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email thevault@financielle.com 💌 You don't have to figure this out alone. More honest money chat at financielle.com 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at ⁠Lifesearch⁠ * *The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
May 14 · 41 min
"I'm Earning More Than Ever But I Have Nothing to Show for It" | The Vault Episode 116
#ad A special episode, brought to you with our friends at Compare The Market 💙 We asked about the worst lifestyle creep you'd witnessed... and the bestie who "couldn't possibly do economy anymore" had us 😭 Compare the Market's latest research shows one in five (20%) said they kept their pay rise a secret from friends and family. This week we're getting into two very real money dilemmas: 💸 "My Daughter Spends Like There's No Tomorrow" 💸 "I'm Earning More Than Ever But I Have Nothing to Show for It" Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously ) in the Financielle app community or email thevault@financielle.com You don't have to figure this out alone. More honest money chat at financielle.com
May 7 · 38 min
“I’m Hiding £8,000 of Debt From My Partner…” | The Vault Episode 115
We asked your biggest money regrets… and nobody is coming out of this unscathed 😭 This week's dilemmas hit close to home: 💸 "My Partner Doesn't Know About My Debt — When Do I Come Clean?"💸 "Should You Combine Finances Before Marriage?" Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email thevault@financielle.com 💌 You don't have to figure this out alone. More honest money chat at financielle.com 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at Lifesearch * *The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
April 30 · 47 min
“I Finally Got My Finances Together… Now I Want to Quit My Job” | The Vault Episode 114
We asked: what do you spend money on that your partner doesn't know about… and the confessions were immaculate 😭 This week we're getting into two very different but very real money moments: 💸 "I Finally Got My Finances Together. Now I Want to Quit My Job."💸 "I'm Heartbroken, In Debt, and About to Lose My Home — Where Do I Start?" Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email thevault@financielle.com 💌 You don't have to figure this out alone. More honest money chat at financielle.com 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at ⁠Lifesearch⁠ * *The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
April 23 · 42 min
"Is It Too Late to Start Investing?” | The Vault Episode 113
We asked you for your most ridiculous purchases… and the justifications did not disappoint 💀 From designer bags bought out of spite, to $96 Vegas shots, to a saxophone purchased purely for wedding vibes… no one is safe in this episode 😭 But underneath the chaos, we’re getting into some very real money conversations: 💸 “My Partner Has Been Investing for Years. I Haven’t Started. Am I Already Behind?” 💸 “My Shopping Habit Got Me Back in My Overdraft… Twice 😬” Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email thevault@financielle.com 💌 You don’t have to figure this out alone. More honest money chat at financielle.com 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at Lifesearch * *The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
April 16 · 43 min
“My Husband Secretly Saved Thousands… Should I Be Furious?” | The Vault Episode 112
We asked married people to share what they wish they knew before getting married… and some of these answers might change how you think about relationships and money 👀 This week, we’re diving into these money dilemmas: 💸 “My Husband Has Been Secretly Saving Money Behind My Back — Should I Be Furious or Impressed?” 💸 “New House, No Savings, and £14k of Debt — Where Do I Even Start?” Secrets, stress, and starting over… this episode really gets into the reality of managing money in relationships. Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email thevault@financielle.com 💌 You don’t have to figure this out alone. More honest money chat at financielle.com 💖💸
April 9 · 35 sec
Introducing The Vault with Financielle!
The Vault with Financielle is the safe space where we talk all things life and money, and no topics are off limits. Each week, host Lucy is joined by Laura and Holly, co-founders of Financielle, to talk through your real-life money dilemmas. The awkward ones, the messy ones, the "is this normal?" ones. With practical advice, honest conversations, and insights from Laura — Financielle's BBC finance expert — we're here to help women get their money sh*t together. Whether you're feeling confused, stressed, or just plain nosy about money, you're in the right place. Follow the show on Spotify and come join us in The Vault.
April 9 · 35 min
“Should I Move Back to London If It Slows My Investing?” | The Vault Episode 111
“I panic when my investments go down and have even sold at a loss”… jail or no jail? 🚨 This week, we’re diving into these money dilemmas: 💸 “LISA or Pension at 34?” 💸 ”Should I Move Back to London If It Slows My Investing?” Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email thevault@financielle.com 💌 You don't have to figure this out alone. More honest money chat at financielle.com 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at Lifesearch * *The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
April 2 · 47 min
“Was This My Worst Money Decision Yet?” | The Vault Episode 110
“I’ve downplayed my salary to make my friends feel more comfortable”… jail or no jail? 🚨 This week, we’re diving into these money dilemmas: 💸 “We Bought a House… And Now Everything Feels Expensive” 💸 ”Was This My Worst Money Decision Yet?” Connect with our Partner 🫶 Protect yourself and loved ones with our friends at Lifesearch * *The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
March 26 · 36 min
“Should I Use My Inheritance to Clear Debt?” | The Vault Episode 109
“I think I depend too much on my partner”… jail or no jail? 🚨 This week, we’re diving into these money dilemmas: 💸 “What Should You Do With an Extra £250 a Month? Invest it or enjoy it?” 💸 ”Should I Use My Inheritance to Clear Debt?” Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌 You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸 Connect with our Partner 🫶 Protect yourself and loved ones with our friends at Lifesearch* * The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.