Don't Depend On Daddy

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

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.

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

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

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

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

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

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

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

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