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PODCAST

Don"t Depend On Daddy

Michela Allocca - Break Your Budget

Don’t Depend on Daddy is an unfiltered space to learn and discuss how to build independence and OWN your life. From personal finance and career topics, to healthy habits, routines, and hobbies, the goal of Don"t Depend on Daddy is to empower you to build financial, professional, and personal independence, regardless of the life stage you are in. *This is not a strictly personal finance podcast.* Host Michela Allocca is an ex-financial analyst-turned-entrepreneur, author, and digital creator behind

business

All Episodes

00:29:02

114. The 5 Best Purchases I Made in My Twenties (That...

Don"t Depend On Daddy ·

2025/06/18

In this episode of Don’t Depend on Daddy, Michela shares the five best purchases she made throughout her twenties—ranging from a $20 book to a $9,000 cosmetic procedure. These investments weren’t just splurges—they deeply impacted her confidence, routines, finances, and lifestyle. From at-home coffee rituals and skincare to the transformative power of a nose job, Michela breaks down why each purchase was worth it, how she thinks about ROI when spending, and why being intentional with money is the

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00:54:56

113. Building a Minimalist-Ish Wardrobe and Finding...

Don"t Depend On Daddy ·

2025/06/11

In this episode of Don’t Depend on Daddy, Michela is joined by Christina Mychas—pharmacist turned YouTuber and stylist—to talk all things intentional living, personal style, and Christina’s signature concept: minimalist-ish. Together, they unpack how to shift from chronic overspending and shame-driven “no buys” to curating a wardrobe (and lifestyle) that feels aligned, elevated, and joyful. Expect a deep dive into capsule wardrobes, finding your outfit formula, buying better, and the behavioral

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00:42:05

112. How I’m Breaking Up With Social Media and Taking...

Don"t Depend On Daddy ·

2025/06/04

On this episode of DDOD, Michela is sharing her journey of breaking up with social media as a creator. Content creation is an integral aspect of her business, but social media can become a toxic place. Michela shares how she is breaking her phone addiction to stop habitually scrolling, work through a dopamine detox, and create sustainable boundaries with social media. She covers why she is doing this, the negative impacts social media has on the brain, and the tactical tips she has been taking to

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00:43:18

111. Building a Service-Based Business Without Being...

Don"t Depend On Daddy ·

2025/05/28

On this episode of DDOD, Michela sits down with Lucy Bedewi, the owner of MyWriteHandWoman. Lucy is a verbal and messaging strategist and she built her business while traveling full-time, after being fired from her first corporate job after 90 days. In this episode, Lucy shares her tips for getting started with a service business, landing your first client, selling high-ticket offers, and how she sells on social media without being an influencer. It’s a GREAT listen if you’re someone who wants to

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00:34:51

110. Living Alone Without Feeling Lonely | How to...

Don"t Depend On Daddy ·

2025/05/21

On this episode of DDOD, Michela shares a 2 year reflection on living alone. At first, living alone was scary, but Michela shares how she has navigated this period of her life and fostered both an intentional space as well as intentional activities that she does by herself. If you are feeling down about living alone, or want to live alone but are scared to do it, this episode is for you!TIME STAMPS: Episode Starts at 4:51💸 NEW FI/RE Template: https://breakyourbudget.com/fire-template💸 Basic

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00:36:42

109. Building a Sustainable and Seasonal Wardrobe |...

Don"t Depend On Daddy ·

2025/05/14

On this episode of DDOD, Michela shares how she is approaching upgrading her wardrobe with the seasons in mind. Having a well-rounded wardrobe is HARD, especially if you live in a place that experiences 4 distinct seasons. In this episode, Michela is sharing some rules for approaching your seasonal wardrobe, financial guidelines to incorporate for spending on your seasonal wardrobe, and her thoughts (more of them lol) on buying clothes and actually wearing them! TIME STAMPS: Episode Starts at

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00:48:33

108. How to Make Money Online Without Being an...

Don"t Depend On Daddy ·

2025/05/07

On this episode of DDOD, Michela is joined by the lovely Kate Robb, a digital entrepreneur with EIGHT streams of income! We focus this conversation primarily on her Etsy business, where she has scaled her shops selling print on demand and digital on demand products. We cover how to get started on Etsy, the Etsy algorithm, if the space is overcrowded (it’s not), and so much more! If you are wanting to start a side hustle but the idea of creating content doesn’t appeal to you - you’ll LOVE THIS!About

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00:27:04

107. How to Reclaim Your Routines! Why Routines Make...

Don"t Depend On Daddy ·

2025/04/30

On this episode of DDOD, Michela is sharing how she is reclaiming her routines this spring and summer. As we move into the warmer months, it is time to seize the day and take control of your time. She is sharing the psychology behind why routines make you happier, elements of successful morning, work, and night routines, and how she is incorporating some changes into her daily routines to feel better. TIME STAMPS: Episode Starts at 2:03💸 NEW FI/RE

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00:28:22

106. Things I Find Incredibly ~Chic~

Don"t Depend On Daddy ·

2025/04/23

On this episode of DDOD, Michela is hopping on the TikTok trend and sharing some things she finds incredibly chic. These go beyond just your personal style (although there are a few style items) and transcend into how you operate, from hobbies to cooking to navigating friendships as an adult. TIME STAMPS: Episode Starts at 3:24💸 NEW FI/RE Template: https://breakyourbudget.com/fire-template💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template💸 Personal Finance

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00:32:44

105. How I Cleared my Hormonal Acne | High Fiber...

Don"t Depend On Daddy ·

2025/04/16

On this episode of DDOD, Michela is sharing how she cleared her hormonal acne in her 20s. She discusses how following a high fiber, whole foods diet can help improve digestion to clear skin, the impact going off birth control had on her skin, and her current skincare routine. DISCLAIMER: Michela is not a doctor and this is not medical advice. TIME STAMPS: Episode Starts at 3:22💸 NEW FI/RE Template: https://breakyourbudget.com/fire-template💸 Basic Budgeting

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00:25:29

104. 5 Microhabits That Have Improved My Quality of Life

Don"t Depend On Daddy ·

2025/04/09

On this episode of DDOD, Michela is sharing 5 small habits she has incorporated into her routine that have made her life better. The habits include ritualizing her morning coffee, implementing a daily content hour, using a written to-do list, going on a long walk, and taking the extra 10 minutes at night for self–care. It truly is the little things that make it possible to find joy in the mundane parts of everyday life!TIME STAMPS: Episode Starts at 3:00💸 NEW FI/RE

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00:42:20

103. My Underconsumption Journey: Q1 Low Buy Update +...

Don"t Depend On Daddy ·

2025/04/02

On this episode of DDOD, Michela is sharing her 3 month low-buy & underconsumption update. She reflects on her consumption rules she set at the beginning of 2025 and gets honest about what is and isn’t working. Plus, she shares the things she bought in Q1 and what her spending plans are in Q2! TIME STAMPS: Episode Starts at 5:15💸 NEW FI/RE Template: https://breakyourbudget.com/fire-template💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template💸 Personal Finance

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00:39:06

102. The 12 Week Year: How to Accomplish More in 12...

Don"t Depend On Daddy ·

2025/03/26

On this episode of DDOD, Michela is sharing the key lessons from the 12 Week Year. After successfully implementing this method for the first 12 weeks of 2025, Michela can confirm that condensing your planning cycle into 12 week sprints vs. annual targets really DOES make a different. Learn about why annual planning doesn’t work, the 5 disciplines of execution (vision, planning, process control, measurement, time use), and how to implement these strategies for Q2 (the next 12 week spring). This

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00:39:10

101. Life Audit: Your 2025 Spring Cleaning Checklist...

Don"t Depend On Daddy ·

2025/03/19

AUDIO NOTE!!! I've been told the audio is only coming out on the left for some. I don't know what happened!! I am sorry !!!!!On this episode of DDOD, Michela is sharing how you can SPRING CLEAN your life and find new motivation as the winter comes to an end. She covers personal finances, your professional life, personal goals, a wardrobe cleanout, digital decluttering, and cleaning out your physical space. If you are ready to head into the new season with a FRESH START then you’ll love this

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00:29:16

100. Spring 2025 State of the Union: What’s In & Out...

Don"t Depend On Daddy ·

2025/03/12

On this episode of DDOD, Michela is back with another State of the Union episode! This time, she is focusing specifically on ins and outs for spring 2025, because we are having a healthy and happy and hot spring! From letting go of a scaredy cat mentality to adding color into her wardrobe, this episode unveils a more personal side to Michela and you’re going to love it. If you have an In or Out for spring, be sure to leave a comment!TIME STAMPS: Episode Starts at 3:15 💸 NEW Basic Budgeting

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00:37:03

99. How to Build Your Dopamine Menu | Habits to Feel...

Don"t Depend On Daddy ·

2025/03/05

On this episode of DDOD, Michela is discusses the concept of a Dopamine Menu! This was a trend from 2024 that covers all the little habits and special things that you can implement throughout your day when you need to boost your mood or spark a little joy. This is especially helpful if you are experiencing the winter blues, or just overall want to feel better without reaching for your phone. You’ll learn about what a dopamine menu is, and some examples from MIchela’s (current) dopamine menu!TIME

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00:58:58

98. Overcoming Overspending | How to Stop Impulse...

Don"t Depend On Daddy ·

2025/02/26

On this episode of DDOD, Michela is joined by Paige Pritchard, founder of Overcoming Overspending which is an online community of tens of thousands of women who are developing more disciplined and purposeful spending habits. Paige and Michela discuss how social media influences your spending habits, the 3 Ds of shopping (distance, desire, decision), spending guilt, FOMO, emotional shopping and escapism, how to create friction, aspirational lifestyles, and so much more. If you are ready to take your

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00:47:39

97. Systems to Improve Your Time Management and be...

Don"t Depend On Daddy ·

2025/02/19

On this episode of DDOD, Michela is sharing how she manages her time to balance building and scaling a business with health and wellness and also having time for a personal life! “Doing it all” is impossible, but getting things DONE is a result of having strong systems in place. Michela follows a variety of frameworks and routines to ensure that everything to run the business as well as ensure she stays sane gets accomplished each week. She also shares popular time management tips that she DOESN’T

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00:43:50

96. 10 Life Lessons That Will Change the Way You...

Don"t Depend On Daddy ·

2025/02/12

On this episode of DDOD, Michela is sharing 10 lessons she learned throughout her 20s. In honor of 2025 being the year she turns 30, this is part one of many self-reflective episodes to come that cover important topics for your 20s. In this episode specifically, Michela shares some tough love around owning your choices and your life, learning how to find happiness at work, and being intentional about changing your life! If you have lessons for 20-somethings, leave them in the comments or send me a

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00:49:27

95. How I Became Successful in my 20s | Habits,...

Don"t Depend On Daddy ·

2025/02/05

On this episode of DDOD, Michela shares habits/routines/systems that have helped her be successful in her 20s. The goal is to enter your 30s feeling SUPER proud of what you accomplished in your 20s, and this episode breaks down the stand-out actions she has taken across 5 pillars of life: personal finance, career, appearance, health/wellness, and personal relationships. Plus, a few life lessons learned along the way. If you are ready to uplevel any of these areas - no matter what your age - you will

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