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PODCAST

Centsational Women Investing: Personal Finance, Wealth & ETF Investing for European Women

Francesca Torre (Centsational Women CEO and Founder). Inspired by voices like Oprah Winfrey, Martin Lewis, Ramit Sethi, Mel Robbins, Warren Buffett, Ray Dalio, Charlie Munger, Bill Ackman, Ray Dalio, Benjamin Graham, Peter Lynch, Brené Brown, Morgan

Welcome to Women Investing: Investing Made Simple for European Women the money podcast for women who live anywhere in the European Continent and want to invest but have no idea where to start. Whether you’re in the EU, the UK, Switzerland, or anywhere else in Europe you’re in the right place. We welcome everyone who calls Europe home, including expats and Americans living here!Investing is only for rich men in suits… right? LOL. Nope. Not here.Whether you:- Don’t know what a portfolio is- Feel

business investing

All Episodes

3:53

229. Espresso & the Economy: A Good Market Is Hiding...

Centsational Women Investing: Personal Finance,... ·

2026/08/03

Send us Fan Mail You check your banking app. Markets are up this week, and so is your number. You feel fine. Maybe even a little proud of yourself. But fine, in a good market, doesn't tell you what you think it tells you. A rising market can hide a badly built portfolio for years. Nothing looks wrong, because almost everything looks fine when the tide is coming in. The real test only shows up later, when the tide goes out, and by then it's expensive to learn the truth. In this episode, we exp...

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14:45

228. The Ask: She Got 20% More and Thought She'd Won....

Centsational Women Investing: Personal Finance,... ·

2026/07/30

Send us Fan Mail She was thrilled with her 20% raise. Then a male colleague mentioned, almost in passing, that he wouldn't take a job for less than 50%. That's the moment everything cracked open and it's where this episode starts. Being excellent at your job and being paid for it are two completely different skills. The world only ever trained you in one of them. In this episode, we unpack why competence and compensation come apart for women specifically — the conditioning, the fear of "upset...

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8:49

227. Espresso & the Economy: What Is "Good Debt" —...

Centsational Women Investing: Personal Finance,... ·

2026/07/27

Send us Fan Mail Most of us were handed one flat rule about money as children: debt is bad. Debt is danger. Debt is the thing that ruins people. And for a lot of women, it's wrapped in something heavier than logic — shame, and the quiet belief that owing money means you failed. So we build our whole financial identity around avoiding it. It feels responsible. But in this Espresso, Francesca gently makes the case that running from debt entirely isn't sophistication — it's fear wearing a nice c...

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16:07

226. The Centsational Aperitivo: The Money That Buys...

Centsational Women Investing: Personal Finance,... ·

2026/07/23

Send us Fan Mail Your grandmother's generation had a name for it and they kept it a secret, tucked in a drawer. In this episode of the Centsational Aperitivo, we're pouring a slightly spicier glass and talking about something almost no one teaches women directly: the money that is entirely yours. It goes by many names running away money, freedom money, peace-of-mind money. But it has almost nothing to do with running away. It's not about a dramatic exit or a relationship gone wrong. You can b...

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12:56

225. Espresso & the Economy: The Ex Who Only Texts...

Centsational Women Investing: Personal Finance,... ·

2026/07/20

Send us Fan Mail There's a moment almost every woman knows. It's late, you're on your phone, and a stock — a sector, a "theme" — keeps coming up. The chart is going up and up, someone you know apparently made a lot, and something in your chest does a little flip. Everyone's getting this except me. I'm late. I should do something. In this episode of Centsational Women Investing, we sit with that flip — and why it has quietly cost smart, capable women more money than any market crash ever has. ...

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23:29

224. Money & Martinis: The Birkin Test: Would You Buy...

Centsational Women Investing: Personal Finance,... ·

2026/07/16

Send us Fan Mail In this episode, we pour the martinis and ask the one question that quietly separates a real investment from an expensive way to feel important: would you buy this thing if you could never show it to anyone or tell anyone about it? In this episode: The question that reveals whether you're buying the object or buying your own statusBought status vs. earned status — and why one disappears while the other can never be taken from youWhat the Birkin "14% a year" claim leaves out (...

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10:15

223. Espresso & the Economy: Robots, Electricity, and...

Centsational Women Investing: Personal Finance,... ·

2026/07/13

Send us Fan Mail For 40 years, the entire global economy has run on one simple rule. A humanoid robot working full shifts on a factory floor just started to break it and almost nobody is explaining what it means. In this Espresso & the Economy, we unpack one of the deepest currents moving markets right now. In about eight minutes, you'll get: The single rule that has run global trade for 40 years and why it's cracking nowThe strange new question the whole world is starting to ask instead ...

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15:35

222. The Ask: You Teach People How to Treat You —...

Centsational Women Investing: Personal Finance,... ·

2026/07/09

Send us Fan Mail Somewhere in a sunlit café in Paris, the four of us leaned in to talk about the one thing most women would rather avoid entirely: asking for more money. Because here's the truth we kept coming back to — you teach people how to treat you. Including your boss. We cover: Why your voice goes tight and your breath goes shallow the moment you have to ask The hidden belief underneath the fear Why the first "no" is a test and the mindset shift that turns a rejection into le...

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9:18

221. Espresso & the Economy: The Cozy Money Mistake...

Centsational Women Investing: Personal Finance,... ·

2026/07/06

Send us Fan Mail Your friend at dinner says it with total confidence: "I only invest in Europe I like to keep my money where I understand it." Everyone nods. It sounds wise. It sounds grounded :) It's also costing her. In this Espresso shot, Francesca unpacks why the American market keeps sprinting while Europe jogs in plain language, no economics degree required. This is the difference between women who read about investing and women who actually become investors. Familiar is a feeling. Dive...

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28:13

220. The Centsational Aperitivo: Botox, Highlights,...

Centsational Women Investing: Personal Finance,... ·

2026/07/02

Send us Fan Mail Let's do something a little dangerous over our espresso today: let's actually add it up. The hair. The nails. The lashes. The facials, the massages, the gels, the "one more" moisturiser on an already full shelf. None of it is something to feel guilty about we love all of it. But almost no woman ever totals what it costs across a lifetime, and the number can quietly reach six figures. Three things we get into: Why spending on looking good feels so easy and building wealth feel...

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10:02

219. Espresso & the Economy: Is This a Bubble?

Centsational Women Investing: Personal Finance,... ·

2026/06/29

Send us Fan Mail Everyone's whispering the word "bubble" right now — and the headlines want you scared before you understand anything. In this Espresso episode, Francesca shows you why "is this a bubble?" is the wrong question, and the one simple test that turns any frightening market headline into something you can read calmly. In this episode: Why the word "bubble" is suddenly everywhere and what's actually happening in the market right now (the tech and AI pullback, in plain language...

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18:40

218. The Centsational Aperitivo: "I Thought I Was Too...

Centsational Women Investing: Personal Finance,... ·

2026/06/25

Send us Fan Mail I'd love to start… but I don't understand enough yet. If you've ever said it, this one's about you and it's not what you think. Over a cocktail, Francesca, Melanie and Kristin take apart the most paralyzing sentence in a woman's financial life. In this episode: Why "I don't understand enough" is almost never an information problemThe quiet difference between waiting to feel ready and building readinessWhy the women who "know the most" are so often the ones who invest the leas...

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11:50

217. Elon Musk Salary and Why That Should Change How...

Centsational Women Investing: Personal Finance,... ·

2026/06/22

The richest man alive reportedly pays himself a salary of just $54,080 a year. It's true and almost everyone read it backwards. In this episode: Why "he only earns $54,080" is completely true and completely beside the pointIncome vs. wealth: the river and the reservoir, and why we were taught to watch the wrong oneHow the very wealthy actually fund their lives (and why it isn't a salary)Listen now! 🎓 Ready to take the first real step? Join our free Investing Workshop — a structured 90-min,

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18:50

216. Why Your Extra Income Keeps Disappearing (And...

Centsational Women Investing: Personal Finance,... ·

2026/06/18

Most women treat extra income as spending money… a little reward, a treat, a "I earned it so I can enjoy it." And then it quietly disappears. In this episode, Melanie shows you why that one decision is the difference between a side project and a real investment engine. What you'll learn in this episode: The percentage model for handling every euro that comes in (bonus, rebate, winnings, side income)How to enjoy your money and invest it without resentment or guiltWhat lifestyle inflation reall...

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11:58

215. Own the Canal, Not the Ship: The Real Money Is...

Centsational Women Investing: Personal Finance,... ·

2026/06/15

Everyone watches the ship. Almost no one watches the canal. In this episode, I share one mental model that, once you see it, you can't un-see, the quiet reason the obvious investment is almost never the one that makes people wealthy. We'll go from the great age of shipping to the phone in your hand, and I'll show you why the real value (and the real risk) almost always sits one layer beneath the headlines. This is the difference between consuming money facts and becoming a woman who can stand...

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23:25

214. Is It Too Late to Start Investing? The Truth for...

Centsational Women Investing: Personal Finance,... ·

2026/06/11

You'll hear why women say "it's too late" about money with a grief they'd never feel about learning a language, what to do if you're starting at 50 or 55, how to set a goal that's actually realistic, and why the answer is almost always: it's not too late but you do need the right structure and support around you. What you'll learn in this episode: Whether it's realistically possible to start investing at 40, 50, 55 or olderThe "everything or nothing" mindset that keeps women stuck and h...

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13:31

213. The Most Expensive Investing Mistake Women Make...

Centsational Women Investing: Personal Finance,... ·

2026/06/08

You finally did it. You put money in the market. Things are going well and instead of feeling good, you feel tense. You're watching the number, waiting for it to all fall apart. That feeling has a name, a mechanism, and a cost. And if you don't understand it, it won't just bite you once it'll cost you again and again, across your entire investing life. In this episode, we unpack: The hidden reason your brain screams sell at exactly the wrong moment (it's not a flaw — it's ancient wiring...

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15:42

212. You Know What to Do With Your Money. So Why...

Centsational Women Investing: Personal Finance,... ·

2026/06/04

You've done the research. You understand the strategy. You even agree with it. And yet you still haven't done it. Today I'm joined by Kristin, our certified somatic and accountability coach inside the Academy, and we're going somewhere most financial podcasts never go: your body. We cover the four nervous system patterns that quietly run your financial decisions (scarcity, hypervigilance, freeze, and fawn), where they come from, and what it actually takes to change them not just understand th...

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13:46

211. Why Markets Keep Rising And the Hidden Force...

Centsational Women Investing: Personal Finance,... ·

2026/06/01

Most people think they understand why stock markets go up. Companies do well, prices rise. Simple, right? Not quite. There are actually two completely separate forces that drive markets higher and if you only know one of them, you're missing half the picture. More importantly, you're making decisions based on an incomplete map. In this episode: — The two engines that drive stock prices higher (and why most people only know one) — What multiple expansion is, explained with a baker...

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18:18

210. Are You Running Out of Time? Every Woman Thinks...

Centsational Women Investing: Personal Finance,... ·

2026/05/28

Every week a woman asks us this question a little quietly, a little ashamed: is it too late for me to start? In this episode Francesca sits down with the full Centsational Women team to answer it honestly. No false comfort. No "it's never too late!" cheerleading. Just the real answer, the numbers, and what starting at 40, 45 or 50 actually builds. Because underneath that question is almost always something else entirely. And that's where the real conversation begins. If you're ready to stop w...

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