In the 100th and final episode of this series, Sybil, Meri-Li, and Jen each share their money golden rule. The one rule they each believe everyone should follow when it comes to finances.

While this is the last episode in this series, the Female Finance Collective is still here! We're working on what's next and we'd love to hear from you. What topics should we cover? What would you like to hear us speak more about?

Don't hesitate to reach out via social media or our email.

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Join the Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here.

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

As we wrap up our first series of open and honest conversations about money, we’re taking a moment to reflect on the money habits and rituals that have made the biggest difference for each of us.

From tracking your money and spending with intention to putting regular money dates on the calendar, we talk about the simple practices that help us stay connected to our finances and avoid slipping into autopilot.

We also look back at some of the recurring themes we’ve explored throughout the series—and share why small, intentional habits can have such a big impact over time. And, of course, we’re looking ahead to our 100th episode!

Join Our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here.

We’d Love to Hear from You!

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*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

Have you ever wondered where your money goes each month? In this episode, we're talking about the hidden habits that quietly drain your finances, from forgotten subscriptions and autopay charges to convenience spending and emotional purchases made out of boredom, stress, or loneliness. We explore how these small decisions can add up over time and share practical ways to become more aware of your spending without feeling restricted.

Join Our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here.

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

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*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

Paying off debt is an incredible accomplishment, but for many people, it’s only part of the story. The real challenge is staying out of debt for good. Today, we’re talking about how to break the cycle, avoid slipping back into old habits, and build a financial foundation that keeps you free.

Join Our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here.

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

Facebook, YouTube, Pinterest: Female Finance Collective

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

In this replay episode, Sybil and Jen break down debt payoff into simple steps you can actually do today. We cover the mindset shift that stops the shame spiral, how to get clear on your numbers without panic, and the exact first strategies to use so you build momentum fast.

Join Our Community:

Starting Soon: Our Debt Payoff Made Simple series. Be part of it for free as a member of our community. Connect with other women building financial confidence. Learn how to confidently manage your money here!

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

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*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

In this episode, we’re talking about the often-overlooked cost of aging and the financial realities many women face in midlife. From beauty and wellness spending to burnout, changing energy levels, feeling behind, and the hidden costs of perimenopause and menopause, we explore how this season of life can impact both your budget and your long-term plans.

We also discuss why traditional ideas of retirement may need to shift toward more flexible, sustainable options. If this phase feels expensive, overwhelming, or different than expected, you’re not alone!

Join Our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here.

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

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*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

In this episode, we’re talking about additional streams of income and the many ways women can earn money beyond a traditional paycheck. Sybil and Jen share side hustles, creative opportunities, and income ideas they’ve personally used over the years, both while working traditional jobs and after leaving them.

Our goal is to show that earning more doesn’t always mean working more in the same way. Sometimes it starts with thinking outside the box, using the skills you already have, and being open to new possibilities.

Join Our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here.

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

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*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

In this episode, we talk about how financial confidence isn’t built through one big decision, but created through small, consistent actions over time. Simple steps like transferring a little to savings, paying extra toward debt, or setting up automatic contributions can quietly compound into real progress.

We also explore how asking “What would Future Me thank me for?” can help guide everyday money decisions and reduce stress around finances.

Join Our Community:

Connect with other women working toward financial empowerment. Learn how to confidently manage your money here!

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

Facebook, YouTube, Pinterest: Female Finance Collective

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

In this episode, we explore the idea of budgeting as a form of self-care. Instead of thinking of a budget as restrictive, we talk about how it can actually reduce stress by giving your money a clear purpose and helping you prepare for what’s ahead.

A thoughtful budget creates permission to spend on what matters while also building trust with yourself over time. When done well, budgeting is about caring for your future self.

Join Our Community:

Connect with other women working toward financial empowerment. Join our Money Made Simple community here!

https://www.skool.com/female-finance-collective-2984/about

Do you have questions or ideas? Connect with us!

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*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

Nearly all of us have avoided our money at some point. Whether it's because we're afraid of what we'll see, frustration with where we are financially, or just a lack of understanding, avoiding money is really common.

In this episode, we talk about reasons we avoid and share some quick tips to help you re-engage with your finances.

Join Our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here!

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

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*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

More than ever, people are craving financial well-being. We're not just a bigger bank account, but rather a feeling of wellness when it comes to our money. In this episode, we explore the difference between financial wellness and wealth building, and how to pursue both without sacrificing your peace or burning yourself out. Our conversation touches on the emotional, lifestyle, and mindset side of money, including boundaries, values, and even navigating money conversations in newer relationships. While we cover a lot of ground, it all comes back to one thing: building a financial life that supports what truly matters to you.

Join Our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here!

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

Facebook, YouTube, Pinterest: Female Finance Collective

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

What if instead of setting resolutions, you chose a theme to guide your year? In this episode, we talk about why yearly themes can be more powerful than goals, how to choose one that fits your life, and how to use it as a tool throughout the year. We’re also sharing our own themes for 2026 and offering examples to help you find yours.

Join Our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here.

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

Facebook, YouTube, Pinterest: Female Finance Collective

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

Loud budgeting is about speaking up for your money without guilt or shame. In this episode, we break down what loud budgeting really is, why it’s gaining popularity, and how being open about your financial boundaries can help you spend with confidence, reduce pressure, and stay aligned with your goals. If you’ve ever felt awkward saying “that’s not in my budget,” this conversation is for you.

Join Our Free Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here:https://www.skool.com/female-finance-collective-2984/about

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

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*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

As the year comes to a close, it’s the perfect time to pause, reflect, and set yourself up for financial success in the year ahead.

In this episode of the Female Finance Collective Podcast, Jen sits down with financial planner and money coach Meri-Li to walk through the process she uses with her clients for a year-end financial review. This conversation is designed to help you look back on the year with clarity (not judgment), update your numbers, and create a plan that feels realistic, supportive, and aligned with your life.

We cover:

• Why cash flow is the best place to start your year-end review
• How to review and update your budget for the year ahead
• What to look for when reviewing debt and upcoming “freed-up money”
• How to plan ahead for savings, travel, and future expenses
• A simple way to check in on your tax position before the year ends
• Why documenting your goals matters — and how to actually stick with them
• How choosing a financial “theme” for the year can simplify decisions and create momentum

🎁 Free Resource:

We’ve created a Year-End Financial Review Checklist and a companion workbook to help you work through everything discussed in this episode.

Click here to join our free community to download your copy today.

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

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*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

Buy Now, Pay Later options are everywhere from online checkouts to in-store purchases. They promise flexibility and convenience. But are they really as harmless as they seem?

In this episode, we’re breaking down how BNPL works, the hidden risks you need to know, and how to use it wisely (or avoid it altogether) so it doesn’t sabotage your financial goals.

Join Our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here.

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

Facebook, YouTube, Pinterest: Female Finance Collective

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

In this throwback episode of Female Finance Collective, Meri-Li and Jen dive into Money Dates—what they are, how they work, and how they can completely shift your relationship with money (and your partner!). Whether you’re single, partnered, or somewhere in between, we’ll help you turn financial overwhelm into confidence, one intentional money conversation at a time.

Schedule your first money date this week! Make it fun, comfy, and empowering. Then head to the comments and tell us how it went!

Join Our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here.

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

Facebook, YouTube, Pinterest: Female Finance Collective

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

In this episode, we revisit a prior conversation about emergency savings. We cover how to set one up, what to call it, why you need it, and how much money is enough.

Join Our Community:

Connect with other women working toward financial empowerment. Learn more about our community here.

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

Facebook, YouTube, Pinterest: Female Finance Collective

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

In this week’s episode, we are sharing a previous conversation we had with Mara, Joyful Hostess. We talk about ways to enjoy holiday events on a budget. Each of us shares tips and suggestions that we hope will spark ideas of ways you can have the most fun this holiday season while still protecting your budget.

Be sure to give her a follow on social media @joyfulhostess to get more of her great ideas!

Join Our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here: www.skool.com/female-finance-collective/about

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

Facebook, YouTube, Pinterest: Female Finance Collective

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

The holidays should feel joyful, not stressful. Yet every year, overspending leaves too many of us with a January credit card hangover. In this episode of the Female Finance Collective podcast, we share 3 practical ways to enjoy the season fully without slipping back into debt.

Join Our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here.

We’d Love to Hear from You!

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Timestamps

00:00 Why holidays can be a debt trap

00:40 Welcome to the Female Finance Collective

01:46 Tip 1: Plan ahead and set your budget in October

03:04 Teaching kids financial literacy during the holidays

04:56 Tip 2: Get creative with gifts, costumes, and traditions

05:45 Meaningful low-cost gift ideas and family traditions

06:49 Free and fun holiday activities

08:05 Tip 3: Smart travel planning to save money

09:00 Cut costs on road trips and flights

10:20 Airbnb, meal prep, and family-friendly travel hacks

11:20 Small changes that save big on holiday travel

11:58 Recap: Plan ahead, get creative, and travel smart

Call to Action

🎁 Want support staying financially confident this season?

Paying off debt is an incredible accomplishment, but for many people, it’s only part of the story. The real challenge is staying out of debt for good. Today, we’re talking about how to break the cycle, avoid slipping back into old habits, and build a financial foundation that keeps you free.

Join Our Community:

Connect with other women working toward financial empowerment. Learn, grow, and share your journey with us here: www.skool.com/female-finance-collective/about

We’d Love to Hear from You!

Do you have questions or ideas? Connect with us!

Instagram: @femalefinance.collective 

Facebook, YouTube, Pinterest: Female Finance Collective

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.