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💸 Welcome to The Vault Unlocked – a special bonus series of The Vault Podcast, where we deep dive into the big money topics no one wants to talk about.

In today’s episode, we’re diving into debt—the thing no one wants to talk about but so many of us face. Debt can feel like a quick fix, but over time, it starts to hold you back. Whether you’re in debt, working to get out, or celebrating a debt-free life, this episode is for you!

Here’s what we’re exploring:

• Why debt feels manageable at first and why it sneaks up on you
• The real cost of debt—how it impacts your career, health, and relationships
• How to break free from the debt cycle with simple, actionable steps
• The mindset shift you need to get and stay debt-free

This is your guide to understanding how debt holds you back and the strategies to take back control.

💬 Have a topic you’d love us to unlock next? Email us at hello@thevault.com.

👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.

The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.

Visit https://www.financielle.com to download our app.

Watch the podcast on YouTube.

Follow Financielle for more:

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About Financielle:

Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.

Recorded and Produced by Liverpool Podcast Studios
▶︎ Web
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▶︎ LinkedIn

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In Episode 46 of The Vault, we discuss this week’s controversial opinion, “Playing the lottery is basically throwing money away”, before diving into our listener dilemmas:

💸 "Should my mum see a financial advisor?”

💸 "They promised me a pay rise, but I’m still being underpaid!”

We’re excited to share an awesome community win: they’ve paid off their first debt! 🎉 By using budgeting tools, keeping themselves accountable, and trying out the snowball method, this member has really changed their money mindset and is ready to take on the rest of their debts. Their story shows us all that it’s never too late to get a handle on your finances. 💸

If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com

Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌

As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook. This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULT

Check out The Money Playbook course here 💸

Chapters:
00:00 Introduction
00:47 Welcome to The Vault
01:02 Nostalgic Memories and Fun Chats
02:41 Controversial Opinion: Playing the Lottery
04:01 The Reality of Lottery and Syndicates
10:53 The National Lottery and Its Impact
14:29 Dilemma: Should My Mum See a Financial Advisor?
19:40 The Reality of Bank Fraud
20:26 Managing Retirement and Emergency Savings
21:35 Debt Management Strategies
22:42 Financial Advisors and Investment Caution
25:58 The Emotional Journey of Paying Off Debt
31:53 Navigating Workplace Pay Discrepancies
37:50 Final Thoughts on Career Decisions
41:10 Closing Remarks

The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.

Visit https://www.financielle.com to download our app.

Watch the podcast on YouTube.

Follow Financielle for more:

▶︎ TikTok
▶︎ Instagram

About Financielle:

Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.

Recorded and Produced by Liverpool Podcast Studios
▶︎ Web
▶︎ Instagram
▶︎ LinkedIn

Send us a text

💸 Welcome to The Vault Unlocked – a special bonus series of The Vault Podcast, where we deep dive into the big money topics no one wants to talk about.

Ever set money goals that feel impossible to stick to? In this episode, we dive into why money goals matter, how to create them the right way, and what it takes to stay motivated.

Here’s what you’ll learn:

• Why clear money goals can transform your financial future
• The secret to setting goals that actually fit your life
• A step-by-step guide to creating SMART money goals
• How to stay motivated, overcome setbacks, and celebrate wins

This episode is packed with practical tips and tools to help you take control of your money and achieve your goals. Don’t forget to write your letter to your future self—it could change everything.

💬 Have a topic you’d love us to unlock next? Email us at hello@thevault.com

👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.

Download the Financielle app and start reaching your money goals today! https://www.financielle.com

The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.

Visit https://www.financielle.com to download our app.

Watch the podcast on YouTube.

Follow Financielle for more:

▶︎ TikTok
▶︎ Instagram

About Financielle:

Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.

Recorded and Produced by Liverpool Podcast Studios
▶︎ Web
▶︎ Instagram
▶︎ LinkedIn