How Do You Afford This?

#19: She Opened a Wine Bar for $100K. Then She Bought the Building

Hillary Zio spent twenty years working in wine for other people. Now she owns Isola, a twenty-four-seat wine bar in Kinderhook, New York with a list devoted entirely to the islands and coasts of Europe, and she owns the historic building it sits in. She's a Certified Sommelier, a wine consultant, a wine club founder, and the author of two books including her new memoir, Still Working in Wine: Twenty Years Later. She's also raising her seven-year-old daughter in the Hudson Valley. In this episode, she sits down with me to break down how she actually affords the lifestyle. Hillary and I walk through the $100,000 it took to open Isola, why year one was not profitable, and the half dozen income streams that fund the whole thing. She shares what it really costs to become a Certified Sommelier, from the $5,000 in coursework to the $15,000 to $20,000 in wine she bought just to train her palate. Plus, her rules for finding a bottle you'll love for $30. Hillary reveals the unexpected way she went from renting her restaurant space to owning the entire commercial building, what her in-ground pool cost to put in and what she pays every single summer to keep it, the $20,000 a year private school she no longer pays for, and the money belief that let her stop spending to impress other people. Get Ashley's Budgeting System (https://www.thefiscalfemme.com/budgeting-spreadsheet) to get clear on what's actually worth it to you, cut what isn't, and free up money for the things you really want. Get Hillary's new memoir, Still Working in Wine: Twenty Years Later (https://www.amazon.com/dp/B0H2SPSJYN). Visit Isola Wine & Tapas in Kinderhook, NY (https://isolawinebar.com/), and follow Hillary on Instagram at (https://www.instagram.com/hillaryzio/), where you'll find her wine club, her online wine course, and everything else she's building. Check out Ashley's Money Club (https://www.thefiscalfemme.com/money-club) to join a community of women unabashedly going after their money goals.

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#18: Her 11-Year Relationship Ended. She Had the Money to Heal

Meghan Lim was laid off three times before she bet on herself. She's a personal finance creator who took her net worth from a negative number to six figures in three years, all while keeping her spending between two and three thousand dollars a month. In this episode, she sits down with me to break down how she actually affords the lifestyle. Meghan reveals how she used her emergency savings to take care of herself when her eleven-year relationship ended this summer, why she and her fiancé never combined a single account in all that time, and what she wants every woman to have before she needs it. Meghan and I walk through the $108,000 she earned in her first full year of content creation, the corporate salary she walked away from, and the nine months between jobs when pet sitting and a matcha shop paid the bills. Plus, she shares exactly what her life costs now, from the $1,350 in rent to the groceries and the gym, the four income streams that fund it, and the Zillow trick that got her an apartment ten other people applied for. She also shares the one thing about her finances people would never guess: the hundred dollars a week she puts into Bitcoin. Download Ashley's investing guide (https://www.thefiscalfemme.com/investing-guide) so the money you're setting aside is actually working for you. Follow Meghan on Instagram (https://www.instagram.com/meghanmakesmoney/) and TikTok (https://www.tiktok.com/@meghanmakesmoney). Join Meghan's Skool community (skool.com/moneymakerscircle) for weekly calls and her digital products. Check out Ashley's Money Club (https://www.thefiscalfemme.com/money-club) to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint (https://bit.ly/4v94g2C)

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#17: It Took Almost 10 Years Before She Earned Six Figures

Priya Malani spent 2013 feeding two people on forty dollars a week so she could keep building a company nobody had asked for yet. Fourteen years in, Stash Wealth has worked with thousands of what she calls HENRYs, high earners not rich yet, and she rents an apartment in the Financial District she negotiated below market. I have known her for over a decade and had no idea she was a professional ballerina first. In this episode, she sits down with me to break down how she actually affords the lifestyle. Priya and I walk through the $33K starting salary she negotiated at Merrill Lynch, the almost ten years it took before she was technically a six figure earner in her own business, and the flat fee pricing she tried first and why it didn't work. Plus, the $3,500 rent she kept flat for three years in Manhattan without a rent stabilized lease, why she sold her car, and how she decides the company can afford a new hire. Priya reveals the magic number she uses instead of a budget, the sub savings accounts she runs for everything from travel to doorman tips, and the framework she gives clients whose income swings month to month. She gets into growing up in a high earning household that still felt like there was never enough, why she was offended when someone told her to sell the company for $10 million, and what she is working toward affording next. Download Ashley's investing guide (https://www.thefiscalfemme.com/investing-guide) so the money you're setting aside actually works for you. Learn more about Stash Wealth (https://stashwealth.com). Follow Priya on Instagram (https://www.instagram.com/itspriyamalani/) where you get her free guide, The Only Money Move You Need to Make in Your Thirties. Check out Ashley's Money Club (https://www.thefiscalfemme.com/money-club) to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint (https://bit.ly/4v94g2C)

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#16: She's Building a $100M Brand From Lisbon With 3 Kids

Alex Schinasi’s father sketched the first Hulken on a hotel notepad in Paris because he was tired of breaking his shoulders carrying shopping bags. Six years later, Vogue named it the "it" bag of summer, and everyone wants to get their hands on one. Alex is building it toward a hundred million dollar brand with fewer than ten employees and no outside investors. She runs it with her husband Johnny, also hosts the Unfinished Business podcast, and is raising three kids in Lisbon. In this episode, she sits down with me to break down how she actually affords the lifestyle. Alex and I walk through how she funded a physical product business without raising a dollar, the manufacturer relationship that let her front inventory before she had sold any of it, and how she and Johnny knew the company could finally afford to pay them. Plus, what her podcast costs to produce every month and why this fall is the first time it might pay for itself, why she takes out insurance on any purchase order above $250,000, and what her two previous exits actually did for her finances. Alex reveals the AI infrastructure that’s part of her minimum viable company framework, including her chief of staff Freddie, who is not a person, and an entirely new business she announces on the show for the first time. She gets into the Lisbon schools that cost a quarter of what New York private schools do, the thing about moving to Europe that genuinely surprised her, what her parties actually cost, and what she's working toward affording next. Download Ashley's 'Become Your Own CFO' bundle (https://www.thefiscalfemme.com/cfo-bundle) for everything you need to manage the money you make in a strategic and financially savvy way. Follow Alex on LinkedIn (https://www.linkedin.com/in/alex-schinasi-16b6abb/) and Instagram (https://www.instagram.com/alexschinasi/). Listen to the Unfinished Business podcast (https://www.youtube.com/@UnfinishedBizPodcast). Shop Hulken (https://hulken.com). Learn more about Northstone (https://northstone-ai.com), the AI infrastructure company Alex announces on this episode. Check out Ashley's Money Club (https://www.thefiscalfemme.com/money-club) to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint (https://bit.ly/4v94g2C)

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#15: Her $70K a Year Childcare Bill Went Viral

Paige Connell is raising four kids outside Boston and has become a refreshingly transparent voice on what childcare actually costs after posting her own bill on a whim. She's the creator behind She's A Paige Turner, host of the Just Us Girls Pod, and an advocate for affordable childcare and paid leave. She and her husband became parents through foster care in 2019, six months before the pandemic, and she has since gone from a corporate job to a content business that replaced her salary and then doubled it. In this episode, she sits down with me to break down how she actually affords it. Paige and I walk through the $60,000 to $70,000 a year her family spends on childcare, her household’s income trajectory, the freelance sales job she worked at night and on weekends to cover daycare, and why childcare costs are so hard for anyone to find in the first place. Paige reveals the unpaid labor snowball that started after kids, the spreadsheet she and her husband used to divide the invisible work, and the time equity assessment that finally explained why she was so burnt out. She gets into the motherhood penalty and the fatherhood bonus, the one thing about her finances that people would never guess, and what she's working toward affording next. Download Ashley's free 'Get Paid What You're Worth' negotiation guide (https://www.thefiscalfemme.com/get-paid). Follow Paige at @shesapaigeturner on Instagram(https://www.instagram.com/sheisapaigeturner/), TikTok (https://www.tiktok.com/@sheisapaigeturner), and YouTube (https://www.youtube.com/@sheisapaigeturner). Subscribe to her Substack (https://substack.com/@sheisapaigeturner). Check out Ashley's Money Club (https://www.thefiscalfemme.com/money-club) to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint (https://bit.ly/4v94g2C)

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#14: What the Mother of AI Is Teaching Her Kids About Money

Brittany Valdes has been at Microsoft for thirteen years, and in that time she has also built a nonprofit, an AI-powered renovation company with her husband, and an AI academy for women. She is a fourth-generation entrepreneur raising three boys and 23 chickens in Miami. In this episode, she breaks down how she actually affords the lifestyle, starting with a number almost nobody can name. Brit and I walk through the household system that runs it all: the $180,000 a year her family lives on, and why everything the businesses earn above that goes toward renovations, vacations, and investments. She shares how she and her husband run their budget like a P&L, the quarterly check-ins that keep it honest, and the small swaps she made to protect the number. We talk about the egg business her sons run at $8 a dozen, and what happened when they learned that feed and electricity come out of their revenue. Brit reveals exactly how AI puts money back in her pocket every month, from the QuickBooks subscription she replaced by building her own version on Claude to the hours of follow-up work she no longer does by hand. She gives her best advice for three types of people: someone intimidated by AI, someone trying to get promoted, and someone who wants AI to be their first employee. Plus the family history that shaped all of it, what ten days in Hawaii actually took, and the early retirement she is planning in the next five years. Join The Mother of AI Academy at themotherofai.com and use the code FISCALFEMME for 10% off. Download Ashley's 'Become Your Own CFO' bundle (https://www.thefiscalfemme.com/cfo-bundle) for everything you need to manage the money you make in a strategic and financially savvy way. Learn more about The Mom Economy, Brit's 501c3 supporting female founders with benefits and parental leave, at themomeconomy.com. Follow Brit on Instagram at @themotherofai. Check out Ashley's Money Club (https://www.thefiscalfemme.com/money-club) to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint (https://bit.ly/4v94g2C)

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#13: She Built a Seven-Figure Business. Now She's Rebuilding From $150K in Debt

Claire Wasserman is the founder of Ladies Get Paid, an author, and a career coach with a master's certificate in financial psychology. She bootstrapped her business to seven figures, built a community of over 100,000 women, and got a $300,000 advance for her book. She is also, right now, raising twins in Los Angeles on food stamps. In this episode, she sits down with me for the most honest money conversation we have had on this show. Claire and I walk through her whole earning journey, from trading salary for equity at a startup that later sold for $12.9 million, to the seven-figure years of brand sponsorships and thousand-person conferences, to the $300K book advance. Then the part almost nobody says out loud: how the pandemic broke her business model, why a family medical crisis drained their finances, and how they ended up $150K in debt Claire reveals what it actually feels like to swipe an EBT card, the half-price apartment her grandfather wrote into a building's deed, and why the shame around food hits differently than every other benefit. She gets into how childcare math forced her and her wife to renegotiate everything including their sleep, her lightning round of negotiation advice, and why she thinks being in the middle of healing makes her a better coach. Download Ashley's free "Get Paid What You're Worth" negotiation guide (https://www.thefiscalfemme.com/get-paid). Learn more about Claire's work and coaching at ladiesgetpaid.com, subscribe to her Substack, and follow her on Instagram at @clairegetspaid and @ladiesgetpaid. Check out Ashley's Money Club (https://www.thefiscalfemme.com/money-club) to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint (https://bit.ly/4v94g2C)

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#12: She Left a Six-Figure Salary. Her First Client Paid More Than the Job Did

Erika Velazquez Alpern has built the same business twice under the same name. The first time, she shut it down when the math stopped working and went in-house at Morning Brew. The second time, she waited until she had a signed contract in hand, because despite what you may think, many entrepreneurs are risk averse. She spent her career in brand and media at places like The Guardian and The Boston Globe, and today she is a fractional CMO, the founder of Tactile, and a mom raising two kids and a pup in Brooklyn. In this episode, she sits down with me to break down how she actually affords the lifestyle. Erika and I walk through the real math of working for yourself: the six-figure salary she left, the anchor client that paid her more per month than her full-time job did, the $170,000 her business brought in its first year back, and how it feels when a good month approaches $30,000 and a slow one barely clears $5,000. Erika reveals what raising two kids in Brooklyn actually costs, starting with $3,500 a month for a private twos program and camps that run $600 to $800 a week. She gets into the marketing money she has watched businesses light on fire, exactly what she would do with a $0 budget, a $1,000 budget, and a $10,000 budget, the dream job she turned down because the math didn’t make sense, and the thing about her finances that would surprise you most. Download Ashley's 'Become Your Own CFO' bundle (https://www.thefiscalfemme.com/cfo-bundle) for everything you need to manage the money you make in a strategic and financially savvy way. Learn more about Erika's work at wearetactile.com, and come to one of her events. Follow her on Instagram at @erikaalpern. Check out Ashley's Money Club (https://www.thefiscalfemme.com/money-club) to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint (https://bit.ly/4v94g2C)

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#11: She Called Me to Say the Bank Was Broken. Now She Has Six Figures Saved

This episode kicks off the sister series. My guest is my little sister Ariel, the person who inspires more of my content than anyone else. She's a homeowner, a sales rep, a mom to my adorable nephew, and living proof that anyone's money story can turn around. Because hers started with a call to tell me the bank was broken. It was not the bank. Ariel and I relive the full journey, from the negative balance to the $300 that made her feel rich, to the night out that ended with her trying to pay with a pet store card. We get into the money experiments I've run on her over the years: the credit cards in the freezer, and the 401(k) contribution I set to 15% that she didn't fully notice until years later. Today there are six figures in that retirement account. Ariel reveals what it's actually like having a money expert as a sister (annoying, then useful), a brand-new secret she'd been keeping even from me, and she gets her very first money homework assignment on the show. This is the first of many. We've got her home purchase, her tiny wedding, and the great pet insurance debate all coming in future episodes. Download Ashley's free guide to save $1,000 in one month Take this quiz to get a personalized Wealth Building Blueprint. Check out Ashley's Money Club to join a community of women unabashedly going after their money goals.

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#10: She Resented Her Husband. Then She Left a $200K Salary to Join Their Family Firm

Heather Boneparth left a 14-year legal career to go all-in on the wealth management firm she owns with her husband Doug. Together they write The Joint Account, a weekly newsletter helping thousands of couples talk about money, and they're the co-authors of the new book Money Together. In this episode, she sits down with me to break down the real numbers behind her career change, raising two kids, and running a family business with her spouse. Heather and I walk through her income journey, from her first $81,000 salary in New York City while carrying $217,000 in student loan debt, to the $200,000-plus compensation and roughly $50,000 in healthcare benefits she walked away from, to the 18-24 months of living expenses they banked before she made the leap. She shares their household income range today, what childcare cost them in the city, and why quarterly money dates are the system that holds it all together. Heather reveals the COVID power dynamic that left her resenting her husband and inspired the book, how financial support from parents is an "existential safety net" and why the rest of us get so angry about it. She also gives her top tips for couples at three different life stages and shares what she's working toward affording next. Download Ashley's free guide on how to save $1,000 this month (https://www.thefiscalfemme.com/save-1000-this-month). Order Heather and Doug’s book, Money Together (https://domoneytogether.com/). Subscribe to their free Joint Account newsletter (https://www.readthejointaccount.com/) Check out Ashley's Money Club (https://www.thefiscalfemme.com/money-club) to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint (https://bit.ly/4v94g2C)

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#09: From Poverty to a $510K Net Worth: How This First-Gen Eldest Daughter Made It Happen

Viviana Vazquez is the first-gen Latina creator behind OverGenPoverty. She grew up in New York City watching her dad support a family of five on less than $30,000 a year, became the family breadwinner on a teacher's salary, and today she and her husband Xavi have a combined net worth of $510,000. She's a former teacher turned full-time business owner and co-host of the Tech Quiero Más podcast. In this episode, she sits down with me to break down how she actually affords the lifestyle. Viviana and I walk through her income climb, from a $57,000 teaching salary to earning $185,000 in tech, and the $130,000 in revenue her business has already brought in this year. She breaks down her actual payday routine with Xavi down to the dollar, shares exactly what makes up her $510K net worth, and takes us inside their World Cup trip to Mexico they spent three years saving for. Viviana reveals what it really costs to be the first, from helping her parents pay off $80,000 in debt to taping her dad's credit cards, how she and Xavi turned a college friendship into a wealth-building partnership with two weddings and a People magazine feature along the way, and what she's working toward affording next. Download Ashley's free "Get Paid What You're Worth" negotiation guide (https://www.thefiscalfemme.com/get-paid). Follow Viviana on Instagram at @overgenpoverty (https://www.instagram.com/overgenpoverty). Listen to Tech Quiero Más wherever you get your podcasts (https://podcasts.apple.com/us/podcast/techquiero-m%C3%A1s/id1877341355). Check out Ashley's Money Club (https://www.thefiscalfemme.com/money-club) to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint (https://bit.ly/4v94g2C)

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#08: The Finances Behind a Top 10 Netflix Comedy Special

Jared Freid is a stand-up comedian, host of The JTrain and U Up? Podcasts, the author of his new book Walking Red Flag and his special, 37 & Single, hit the Netflix top 10. In this episode, he breaks down how he actually affords the life of a working comedian. Jared and I get into the real economics of comedy: why he funded his own specials out of pocket and what each cost him, how a touring deal really works from the minimum guarantee to the cut of the door, and the bronze handcuffs of running this many businesses at once. Plus the safety net he says so many have yet nobody wants to admit to, from bar mitzvah savings to the parents' phone plan he is never getting off of. As a go-to for dating advice, Jared also gets into where money and relationships collide: why "I'm not ready" is usually a money decision, and the rent conversation he is having right now as his girlfriend moves in. He reveals what people would never guess about how he thinks about money, why the craft matters more than the check, and what he is working toward affording next. Download Ashley's '7-Day Jumpstart’ (https://www.thefiscalfemme.com/7day-jumpstart) for a step you can take each day for a week to completely transform your financial well-being. Get Jared's book, Walking Red Flag (https://www.simonandschuster.com/books/Walking-Red-Flag/). Grab tickets to Jared's shows (https://punchup.live/jaredfreid) and follow him on Instagram @jaredfreid. Check out Ashley's Money Club (https://www.thefiscalfemme.com/money-club) to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint (https://bit.ly/4v94g2C)

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#07: This Founder Raised $20M. The Exit Was a Zero

Helaine Knapp is a serial entrepreneur, the author of Making Waves, and the host of the Step Into Next podcast. She founded CityRow, the rowing-based fitness brand that landed in studios across the country and homes around the world, and now splits her life between Austin and New York. In this episode, she breaks down how she affords it, starting with the most honest founder money story we've had on the show. Helaine and I walk through CityRow with a financial lens: the $0 marketing budget that made it explode, the $12 million she raised in six weeks during COVID, the more than $20 million she raised in total, and the exit that came out to a zero for her investors and for her. Plus, what two years on a GLP-1 has actually cost her, from the $1,000 consults to the surprising ways she’s spending less. Helaine reveals the scrappy strategies that fund a life in two cities, what it felt like to be on the Today Show and unable to pay rent, how she handles the awkward money conversations most of us avoid, and what she's working toward affording next. Download Ashley’s ‘Become Your Own CFO’ bundle (https://www.thefiscalfemme.com/cfo-bundle) for everything you need to manage the money you make in a strategic and financially savvy way. Subscribe to Helaine's weekly newsletter (https://www.helaineknapp.com/what-im-building) and her Substack (https://helainemknapp.substack.com/) Get Helaine's book, Making Waves (https://www.helaineknapp.com/making-waves). Check out Ashley’s Money Club (https://www.thefiscalfemme.com/money-club) to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint (https://bit.ly/4v94g2C)

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#06: The $100K She Saved To Fund Her Book and First Years of Motherhood

Stefanie O'Connell is an award-winning journalist and the author of The Ambition Penalty. She has run her own business for a decade, and is now doing it while raising a toddler in NYC. But this episode is a little different, because Stefanie isn't here to say she has it all figured out. She sits down with me to break down how she is affording a season where she deliberately stepped back from earning to write her book and be present for her daughter. We walk through her whole money trajectory, from $450 a week on a Broadway tour to a business pulling in around $300,000 in revenue. Then the part most people never say out loud: how she set aside more than $100,000 as a runway, watched her revenue fall almost 90% last year, and has been spending down that cushion ever since. Plus the data behind the book, including the half-million-dollar lifetime cost of the motherhood penalty. Stefanie also gets honest about the power dynamics inside households and her own marriage, what she hopes her daughter learns by watching how responsibility gets shared at home, and her reframe of money as seasons instead of a straight line. And of course, what she is working to afford next. Download Ashley’s free “Get Paid What You’re Worth” negotiation guide (https://www.thefiscalfemme.com/get-paid). Get Stefanie's book, The Ambition Penalty (https://www.hachettebookgroup.com/titles/stefanie-oconnell/the-ambition-penalty/9781541705210/). Subscribe to Stefanie's newsletter, Too Ambitious, and follow her on Instagram @stefanieoconnell. Check out Ashley’s Money Club (https://www.thefiscalfemme.com/money-club) to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint (https://bit.ly/4v94g2C)

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#05: $143K Worth of Family Travel Using Credit Card Points (In One Year)

Rachel Lipson takes 12 to 15 trips a year with her family of four, her kids have visited 25 countries and they haven’t even finished elementary school, and she lives in one of the most expensive zip codes in the country. She’s the founder of The Point, a best-selling Substack and consulting business that teaches families how to travel using credit card points and the founder of Blue Balloon Songwriting for Small People, a 17-year-old music school for kids that now runs mostly without her. In this episode, she sits down with me to break down how she actually affords the lifestyle. Rachel and I walk through how she redeemed over $143,000 in points last year, the specifics of her recent three-week family trip across Milan, Athens, and Malta, and the home-swapping strategy that has gotten her family into beautiful homes around the world for free. Plus, she shares her top three points strategies and the simple first step for anyone who feels overwhelmed by the points game. Rachel reveals the times even she doesn't get the points game perfectly right, the multiple income streams that fund her family's life in Brooklyn, and the surprising childhood backstory that drives her family's travel obsession. Get Ashley’s travel budget template (https://www.thefiscalfemme.com/travel-budget) where you can estimate trip costs, compare options and plan in advance so that all you have left to do is enjoy your trip, financially stress free. Subscribe to Rachel’s substack (thepoint.substack.com). Get a Wallet Edit (https://thepointedit.com/wallet-edit-phone-session) for tips on how to leverage spending to earn points for travel! Check out Ashley’s Money Club (https://www.thefiscalfemme.com/money-club) to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint (https://bit.ly/4v94g2C)

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#02: The Real Cost of Weddings, From a 200-Time Bridesmaid

Jen Glantz has built an empire around love stories without actually liking weddings. She’s the founder of Bridesmaid for Hire, host of the 1-800-Bridesmaid podcast, and author of multiple books including her newest, Finally the Bride. In this episode, she breaks down the numbers behind her own wedding, her clients' weddings, running multiple businesses and raising a daughter in NYC. Jen and I walk through the $35,000 wedding she almost had, the one she pulled off for under $2,000, how her business evolved from a single $500 service into multiple income streams, and why launching over 100 AI tools changed everything after she became a mom. Plus, she shares the brutally honest scripts she gives bridesmaids who can't afford to say yes, and what to say when a friendship gets expensive. Jen reveals the real cost of raising a child in New York City, how she and her husband combined finances after their daughter was born, and what she's working toward affording next. Use Ashley’s Wedding Budget to see the true cost of your wedding, compare venues and scenarios, and plan financially. Get Jen’s new book, Finally the Bride and sign up for her Monday Pick Me Up newsletter! Check out Ashley’s Money Club to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint.

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#03: She Works 30 Hours a Week and Affords 3 Months in Europe

Nicole Giordano spends three months a year living in Europe, owns her home, and works thirty hours a week in a career she loves. She's the founder of Midlife Creative Studio and a long-time online entrepreneur who has spent the last decade designing a life around what actually matters to her, thoughtfully and strategically. In this episode, she sits down with me to break down how she actually affords the lifestyle. Nicole and I walk through exactly what she spent on her recent three-month stay in Spain, how she and her partner built a life where either of them could afford it on their own, and her best travel hacks for stretching the budget. Plus, she shares the mindset shift that turned three months in Europe from a vacation fantasy into an annual ritual. Nicole reveals her "enough" philosophy that lets her spend $12,000 on a kitchen renovation instead of $50,000, the mantra she uses to stay the course even when she’s tempted, and the one question she wants us all to ask ourselves to craft and afford our dream lives. Get Ashley’s travel budget template where you can estimate trip costs, compare options and plan in advance so that all you have left to do is enjoy your trip, financially stress free. Learn more about The Studio, Nicole’s community for midlifers who want more creative practice in their lives. Check out Ashley’s Money Club to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint.

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#04: Her Money Blueprint: Living Abroad With a Kindergartener

Ashley Torres spends three months per year in a new country with her family, takes five other trips a year, salsas with her friends one to three times a week, and runs multiple businesses. She's been a full-time content creator for over 15 years, writes about her family’s travels on Substack, is the co-founder of LA Girl Dinner Club, and wants us all to live life to the fullest. In this episode, she breaks down how she actually affords the lifestyle. Ashley walks through exactly what her recent three-month stay in Uruguay actually cost, the surprising income streams that offset the costs, and the trade-offs she makes that make it all work. Plus, she shares her salsa-at-10pm hack that fuels her energy and the worldview that drives her whole approach. Ashley also reveals how she and her husband Andy navigated combining finances after years of keeping them separate, what she's teaching her daughter about money and gratitude, and where her clothes-and-decor budget actually goes. Get Ashley’s travel budget template where you can estimate trip costs, compare options and plan in advance so that all you have left to do is enjoy your trip, financially stress free. Connect with Ashley on Instagram at @everydaypursuits and her family travel Substack. Check out Ashley’s Money Club to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint.

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#01: The Finances Behind the 12 International Trips She Takes Per Year

Ally Case has traveled to 58 countries and takes around 12 international trips a year. She's a content creator, part-time flight attendant, and the CEO of digital marketing agency Uppercase Media, which she runs with a team of five. In our very first episode, she sits down with me to break down how she actually affords the lifestyle. Ally and I walk through exactly what she spent on her recent 8-day trip across Dubai, Abu Dhabi, Oman, and Qatar, the six income streams that fund the fabulous life she’s crafted and the trade-offs she had to make to get there. Plus, she shares how much she gets for free as a travel influencer and her favorite travel hacks the rest of us can use. Ally reveals what’s changed about money in her relationship since getting engaged, the money visualization that drives her career, and why she considers her gold jewelry part of her investment portfolio. Get the travel budget template Ally and Ashley use. https://www.thefiscalfemme.com/travel-budget Connect with Ally on Instagram at @allycase1 and @uppercase.media, and on TikTok @allycase1. Check out Ashley’s Money Club to join a community of women unabashedly going after their money goals. Take this quiz to get a personalized Wealth Building Blueprint.

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Introducing - How Do You Afford This?

A first listen at How Do You Afford This?, launching this June. 👀 Ashley Feinstein Gerstley, CFP® and founder of The Fiscal Femme, sits down with real people and asks the question everyone's wondering - how do they actually afford their lives? In season one, you'll hear from a content creator with five income streams, a bridesmaid-for-hire who pulled off her own wedding for under $2,000, an entrepreneur who designed a business that lets her live in Spain three months a year, a former CPA who left Deloitte to create her dream life (daughter in tow), and more. Part voyeuristic. Part practical. Completely judgment-free. Follow now so the first four episodes drop into your feed on launch day. 💸