Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

Germaine Foley | Financial Coach

Education

A personal finance podcast for women who make good money but still struggle with overspending, credit card debt, and/or saving money. This isn’t about strict budgets or deprivation, it’s about getting to the root of why money still feels hard even though you’re successful in other areas of your life. Hosted by Germaine Foley, the show focuses on mindset and building systems that actually work in real life. If you’ve paid off debt before, grown your business, or made more money but still feel stuck, there’s nothing wrong with you. Overspending and financial stress aren’t a lack of discipline, they’re a sign that the strategies you were taught don’t fit your real life. This show helps you understand what’s actually happening beneath the surface so you can finally change it. Each episode offers honest conversations, practical insights, and a new way to think about money that supports both your life now and your long-term goals. If you’re ready to stop stressing about money all the time and start moving forward, you’re in the right place.

Episodes

Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women

Germaine Foley | Financial Coach

Education

Episodes

176. Why You Make Good Money But Still Don’t Feel Wealthy

If you make good money but still feel like you should be further along financially, this episode is for you. We’re talking about what it really means to be a high earner, not rich yet, and why your income isn’t translating into actual wealth. This isn’t about needing to make more money. It’s about what’s happening with your spending, your habits, and the way your money is being managed behind the scenes. In this episode, I break down why so many high earners stay stuck and what’s actually getting in the way of building wealth. We’ll get into: Why making more money doesn’t automatically lead to saving money or building wealth. How overspending quietly keeps high earners from getting ahead. The gap between earning well and managing money effectively. Why building wealth requires more than just income, including spending, debt, saving, and investing. If you’ve ever looked at your income and thought, “I make good money… so where is it all going?” or felt like you should have more saved, less credit card debt, or more to show for what you earn… this will help you start connecting the dots. Because this isn’t about working harder or earning more. It’s about how your money is actually working for you. And once you understand what’s really going on, you can start making decisions that move you toward real financial security and long-term wealth.

25min•May 5, 2026

175. Why You Pay Off Debt and End Up Right Back in It

If you’ve ever paid off debt, felt relieved for a moment… and then found yourself right back in it, this episode is for you. We’re talking about why getting out of debt isn’t actually the hard part, staying out is. And why the way you pay off debt matters more than how fast you do it. In this episode, I break down what’s really happening when you keep cycling in and out of credit card debt, even when you’re making good money and trying to do the right things. We’ll get into: Why paying off debt fast doesn’t always lead to lasting change. How quick wins like bonuses can keep you stuck in the debt cycle. The difference between getting out of debt and becoming someone who stays out. Why sustainable habits matter more than extreme restriction when you’re trying to save money and pay off debt. If you’ve ever used a bonus to pay off debt… or tried to cut everything and “be good” for a period of time… or told yourself this is the last time… only to end up right back where you started… this will help you see what’s actually going on. Because this isn’t about discipline. It’s about habits and patterns. And once you shift from trying to get out of debt fast to actually changing how you show up with money, everything starts to change. If you’re ready to stop repeating the same cycle and finally build real financial stability, this is exactly the work I do with my clients.

11min•Apr 28, 2026

174. How to Start Real Estate Investing with Scott Carson

In this episode of Becoming the Wealthy You, I am joined by a true powerhouse in the real estate world, Scott Carson. Scott brings over 20 years of experience to the table, specifically in the niche of distressed properties and mortgage debt. If you have ever felt like you’re making good money but aren't building the legacy you want, this conversation is exactly what you need to hear. My Mission for You My goal is always to help you stop overspending, break free from the cycle of debt, and become the wealthy woman you were born to be. Real estate is a massive piece of that puzzle, but I know it can feel intimidating. Scott and I dive deep into how you can start small, stay safe, and make your money work harder than you do. Redefining "Investment" We start with a question many of you have asked: Is your own home an investment?. Scott breaks down why your primary residence is likely your biggest asset, but he also introduces the concept of "House Hacking" —using duplexes or fourplexes to let others pay your mortgage while you build equity. Becoming the Bank with Note Investing One of the most fascinating parts of our talk is Scott's expertise in Note Investing. Imagine receiving monthly payments without the headaches of being a landlord. Scott explains how buying the "IOU" from banks allows you to earn 8% to 12% returns while a third-party company handles the collections. It’s a game-changer for those seeking more passive income. Key Takeaways for Your Wealth Journey: You Don't Need Perfect Credit: Scott shares his personal story of starting over after a foreclosure and how networking with private lenders can fund your deals. The "Numbers Over Emotions" Rule: We discuss the "Oh That’s So Cute" (OTSC) syndrome. If you want to succeed, you have to take the emotion out and let the data drive your decisions. Financial Foundations First: Before you buy your first rental, ensure you have your six-month emergency fund and your retirement accounts in place. The Power of Local Networks: Why your first step shouldn't be a generic online course, but your local real estate investment club. About My Guest Scott Carson is the host of The Note Closers Show and the principal at WeCloseNotes.com. He is a wealth of knowledge for anyone looking to get their hands dirty in the market or invest passively through notes. Connect with Me: Ready to tackle your money challenges head-on? Book a complimentary one-to-one money consultation with me at germanefoley.com/consult. "You don't necessarily wanna swap one job for another job... make sure the numbers work for you." If this episode helped you, please leave a five-star review and subscribe! It helps me reach more women just like you.

34min•Apr 21, 2026

173. Why You Keep Overspending (The #1 Wealth Stealer)

If you’ve ever found yourself spending money out of boredom, stress, or just because you felt like it… and then later wondering where your money went, this episode is for you. We’re breaking down what’s really going on when you keep overspending, even though you make good money and know better. This isn’t a discipline issue. It’s a pattern, and once you see it, things start to click. In this episode, I’m talking about emotional spending and why it can feel like spending is helping in the moment… but is actually keeping you stuck in the same cycle. We’ll get into: why overspending can feel automatic how emotional spending is driving your habits why the cycle of “spend, feel better, repeat” keeps happening what’s actually going on underneath it all If you’ve ever paid off credit card debt, made more money, or told yourself you’re going to do better… and still end up right back in the same place, this will help you understand why. And once you understand it, you can start to change it.

15min•Apr 14, 2026

172. How Social Media & Convenience Are Driving Your Overspending (The Social Spender & Convenience Spender)

If you’ve ever found yourself spending money because everyone around you is… or because it just feels easier in the moment, this episode is for you. We’re talking about two sneaky spending patterns that don’t always look like a problem at first: the Social Spender and the Convenience Spender. This is the kind of overspending that doesn’t feel dramatic. It feels normal. It feels justified. It feels like “it’s just this one time.” But over time, it adds up… and it’s often the reason your money isn’t going where you want it to. In this episode, I break down: how social media and your environment influence your spending why comparison leads to overspending (even when you don’t realize it) how convenience spending shows up with things like food delivery and buy now, pay later why these habits feel small in the moment but turn into bigger financial patterns If you’ve ever said yes to something just because everyone else was doing it… or found yourself ordering out when you already had food at home… or stacking up Klarna, Afterpay, or Affirm payments without really thinking about it… this will help you see what’s actually going on. Because this isn’t about willpower or discipline. It’s about patterns. And once you see them, you can start to change them. If you’re ready to go deeper, I’m hosting a free Stop Overspending Masterclass where I’ll connect all of this and show you what actually needs to change so you can break the cycle for good. You can save your seat at germainefoley.com/class or check the link in the show notes.

17min•Apr 7, 2026

171. How People Pleasing and Burnout Lead to Overspending (The Over-Giver)

The Stop Overspending Masterclass is happening LIVE on Sunday, April 19th at 4pm ET. Click Here to save your seat. Click Here to book your Complimentary Wealth Building Strategy Consultation. Follow Me on Instagram → @germainefoleycoaching

19min•Mar 31, 2026

170. Why You Overspend When Life Is Going Well (The Experience Enhancer & Rewarder)

19min•Mar 24, 2026

169. Why You Overspend When You’re Bored or Stressed (The Boredom Buyer & Relief Seeker)

1. Click Here to book your Complimentary Wealth Building Strategy Consultation. 2. Interested in The Stop Overspending Course? Click here to learn more & to get started! 3. Follow Me on Instagram → @germainefoleycoaching

21min•Mar 17, 2026

168. The 7 Hidden Overspending Patterns That Keep High Earners From Building Wealth

19min•Mar 10, 2026

167. Why I’m Taking a Break From Shopping (And What It’s Teaching Me About Overspending)

28min•Mar 3, 2026

166. Retirement Isn't Just About Money | Why You Must Invest in Your Health & Wealth Now with Janice Saunders

Janice Saunders is a Bronx native, life coach, author, and the creator of the Seasonal Sisters Universe. She helps women cut through overwhelming health information and turn it into practical, sustainable habits they can actually maintain. Blending holistic and science-backed tools, Janice focuses on improving mental, physical, and social wellness so women can stay active and continue making the impact they desire. A proud Howard University graduate with an award-winning career in the pharmac...

31min•Feb 26, 2026

165. Why You Keep Overspending and Falling Back Into Credit Card Debt (Even With a Good Income)

19min•Feb 24, 2026

164. Reactive vs. Proactive Money Management | Why You Still Feel Behind (Even With a Good Income)

25min•Feb 17, 2026

163. How “I Deserve It” Thinking is Quietly Wrecking Your Finances

20min•Feb 10, 2026

162. Why You Keep Ending Up in Credit Card Debt — Even After You Pay It Off

30min•Feb 3, 2026

161. Stop Eating Your Money: How Food Overspending Keeps You From Building Wealth

25min•Jan 27, 2026

160. Financial Anxiety is Real - And Extreme Frugality Isn't the Fix with Nicole Stanley

Nicole Stanley is owner and head money coach at Arise Financial Coaching. Her mission? Shame-free, accessible financial education that empowers women. As a Latina entrepreneur and personal finance expert, Nicole paid off significant debt and grew her family’s net worth through investing, sparking her passion for helping women build wealth and transform their communities. Arise Financial Coaching has helped hundreds of women and couples get out of debt, save, and become confident with their mo...

50min•Jan 20, 2026

159. Fell Off Your Money Goals? Here’s How to Get Back on Track with Allison Baggerly

In this episode, Allison and I talk about why people fall off financial goals, how to reset without starting over, and simple money strategies that actually stick. Grab Our Free Resources: Click Here to get the Free Training: How to Build Wealth Without Going on a Strict Budget. Click Here to get Allison's Goodbye Debt Tracker. How to Stay Connected to Allison: Instagram: https://www.instagram.com/inspiredbudget Podcast: https://podfollow.com/inspiredbudget 1. Click Here to book your Complime...

41min•Jan 13, 2026