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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

00:37:29

134. My Food Philosophy: How My Approach to Eating...

Don"t Depend On Daddy ·

2025/11/05

In this episode of Don't Depend on Daddy, I’m breaking down my entire food philosophy - from how I transitioned from being vegan for 9 years to reintroducing fish, to exactly how I plan, prep, and budget my meals each week. I’ll walk through my 3-2-1 grocery system, how I approach meal prepping without wasting food, and what I actually eat in a typical week as someone who values both health and balance. If you’re trying to eat healthy, save money on groceries, and stop feeling overwhelmed by

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00:40:32

133. How Influencer Culture Is Rewiring Your Brain to...

Don"t Depend On Daddy ·

2025/10/29

In this episode of Don’t Depend on Daddy, we dive into the neuroscience of dopamine and how influencer culture rewires our brains for constant desire. From endless scrolling to impulse shopping, we explore the slot machine psychology behind why we crave novelty, how social proof keeps us stuck in the loop, and what it really takes to break free.You’ll learn:👉🏻 What dopamine actually is and how it shapes desire👉🏻 Why social media makes us buy things we don’t need👉🏻 How to rewire your brain for

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00:34:24

132. The Psychology Behind Decluttering: Why Tidying...

Don"t Depend On Daddy ·

2025/10/22

In this episode of Don’t Depend on Daddy, we dive into the life-changing magic of tidying up - and how decluttering your environment directly impacts your emotions, habits, and finances. You’ll learn how the KonMari method helps you release attachment, create calm, and find clarity in your priorities. We’ll talk about how physical clutter mirrors mental clutter, how to simplify your space without feeling deprived, and why tidying up is really a form of emotional and financial self-care. If you’re

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00:37:08

131: Aha Moments, How I Define "Enough," My Thoughts...

Don"t Depend On Daddy ·

2025/10/15

In this Q&A episode of Don’t Depend on Daddy, I’m answering all of your biggest questions about money, career, dating, and lifestyle. These are real questions submitted through my Instagram stories, and I’m giving you my honest, unfiltered answers.✨ Inside this episode:👉🏻 The aha moment that changed my career & money mindset👉🏻 How I define “enough” and why chasing numbers doesn’t work👉🏻 Navigating finances & dating as a high-earning woman👉🏻 Career advice if you’re 21 and don’t

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00:30:04

130. How I Avoided Lifestyle Creep & Built Wealth in...

Don"t Depend On Daddy ·

2025/10/08

In this episode of Don’t Depend on Daddy, I’m breaking down the lifestyle upgrades I made throughout my 20s — and how I avoided lifestyle creep while still building a 7-figure net worth by age 30. Building a life TAKES TIME!!✨ Inside this episode:👉🏻 Why it’s so important to avoid lifestyle creep in your 20s👉🏻 The small apartments, sacrifices, and trade-offs I made early on👉🏻 My first big lifestyle upgrade: buying my car in cash👉🏻 How I kept rent reasonable (roommates, own bathroom, waiting

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00:45:57

129. The Detailed Daily Routines That Changed My Life...

Don"t Depend On Daddy ·

2025/10/01

Welcome back to Don’t Depend on Daddy! In this episode, I’m sharing my full routine roundup — from how I start my mornings, wind down at night, stay consistent with fitness, and manage travel with less stress.✨ Inside this episode you’ll hear:👉🏻 My morning routine habits that set the tone for a productive day👉🏻 Evening rituals that help me recharge and stay consistent👉🏻 How I balance walking, Pilates, and strength training in my fitness routine👉🏻 The exact travel routine I follow to stay

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00:35:35

128. Why Your 20s Are for Testing & Your 30s Are for...

Don"t Depend On Daddy ·

2025/09/24

Welcome back to Don’t Depend on Daddy! Today’s episode is all about the biggest differences between your twenties and your thirties. As someone who just turned 30, I’ve been reflecting a lot on how these two decades are framed — and what’s actually true when it comes to money, career, lifestyle, and mindset.💡 Here’s what we’ll cover:👉🏻 Why your twenties should be about testing, experimenting, and learning👉🏻 The financial, career, and lifestyle shifts that happen in your thirties👉🏻 How to

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00:29:19

127. Fall State of the Union: What's In & Out For Me...

Don"t Depend On Daddy ·

2025/09/17

Welcome back to Don’t Depend on Daddy! In this episode, I’m sharing my Fall 2025 Ins & Outs—from routines and money habits to cozy lifestyle swaps. These episodes are some of my favorites to record, and I’d love to hear what’s on your ins and outs list this season. 🍂We’ll cover:👉🏻 My take on pumpkin spice & fall overconsumption👉🏻 Why I’m ditching the “great lock-in” hustle mindset👉🏻 The small changes that are making my fall feel more intentional👉🏻 What’s making life cozier and more

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00:48:12

126. How to Travel More, for Less: Credit Card...

Don"t Depend On Daddy ·

2025/09/10

Want to learn how to fly around the world without draining your bank account? In this episode, I sit down with my friend Benny—my go-to travel expert—to talk about travel hacking, maximizing credit card points, and finding the best flight deals. ✈️ We cover everything from travel misconceptions and saver award flights to what to do when your flight gets delayed. Whether you’re planning a big international trip or just looking for ways to save on flights, you’ll walk away with practical tips to make

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00:38:44

125. Your Job Doesn’t Have to Be Your Passion (5...

Don"t Depend On Daddy ·

2025/09/03

In this episode of Don’t Depend on Daddy, I’m sharing the biggest career lessons I learned in my 20s—the hard truths, mistakes, and mindset shifts that shaped my path from corporate finance to running my own business. If you’ve ever felt stuck in your job, pressured to find your “dream career,” or unsure of what comes next, this episode will give you the perspective (and tough love) you need.✨ What you’ll learn:👉🏻 My full career journey: from finance jobs to building Break Your Budget👉🏻 Why your

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00:39:59

Entering My Prime: Building Confidence, Career &...

Don"t Depend On Daddy ·

2025/08/27

I just turned 30, and in this episode of Don’t Depend on Daddy I’m sharing how I’m elevating my life, money, career, and personal routines in this new decade. Your 20s are full of pressure — land your dream job, save $100K, get married, buy a house. But what happens when you don’t check every box before 30? The truth is, your 30s are the beginning of your prime. This video breaks down the financial habits, career moves, and lifestyle upgrades that I’m making as I step into this chapter.✨ What you’ll

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00:36:00

123. The Low-Effort Style Habits to Look & Feel More...

Don"t Depend On Daddy ·

2025/08/20

In this episode, I’m breaking down simple, low-effort ways to look and feel more put together—without spending hours getting ready or blowing your budget. These “lazy girl hacks” are about elevating your daily routine through small tweaks that actually stick.We’re talking beauty shortcuts, styling upgrades, and everyday luxuries that build confidence, boost your self-esteem, and help you show up as your best self—whether you’re working from home, dating, or navigating your 30s with intention.💄

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00:23:26

122. Tiny 5-Minute Habits That Make Me Feel Put...

Don"t Depend On Daddy ·

2025/08/13

In this episode,I’m breaking down the tiny 5-minute habits that are making a huge difference in my daily life. If you’ve ever felt stuck in an all-or-nothing mindset—thinking you need an hour to start a routine or see results—this episode will be a game changer. I’ll walk you through the small shifts I’ve made to feel more grounded, clear-headed, and put-together—without overhauling my schedule. From skincare and morning mindset tweaks to digital boundaries and evening resets, these are the tiny

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00:42:07

121. Building a 7-Figure Content Business: My...

Don"t Depend On Daddy ·

2025/08/06

The first 500 people to click my link or scan this QR code will get a 1 month free trial of Skillshare! Get started today! https://skl.sh/breakyourbudget07251In this episode, I’m sharing the real story behind building a content creation career—from how I got started to how I actually make money and why it’s harder (and more rewarding) than it looks. Whether you're just starting out or thinking about turning your content into a business, this is a must-watch.I cover what it's really like to

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00:44:57

120. Everything I Am Obsessed With Right Now: Chic...

Don"t Depend On Daddy ·

2025/07/30

In this episode I'm taking a fun and personal turn and sharing all of my monthly favorites—from skincare and fashion to books, podcasts, and content creators I'm loving lately. I’m chatting about products that made a difference in my routine, creators who’ve inspired my style journey, and books I can’t put down (and one super-hyped one I just can’t finish). If you’re into personal growth, simple beauty, chic vibes, and building a more intentional lifestyle, this one’s for you.🎙️ Plus: My

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00:54:00

119. When $100K Doesn’t Feel Like Enough and Work...

Don"t Depend On Daddy ·

2025/07/23

In this Q+A episode, I’m answering your most-asked personal finance and career questions—covering everything from how I manage my money now that I’m self-employed, to navigating career pivots, saving for big goals, and making the most of your 20s and 30s.Whether you're trying to build a budget that actually works, wondering how to balance saving vs. investing, or struggling to figure out your next career step—this episode has the honest, practical advice I wish I had when I was just getting

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00:35:28

117. My Mid-Year Life Reset: Fitness, Routines,...

Don"t Depend On Daddy ·

2025/07/16

I just turned 30, and in this episode I’m walking you through my mid-year life reset. From shifting my workouts and eating more protein, to simplifying my content strategy and decluttering my space—these are the small but intentional changes I’m making to feel better, work smarter, and live with more peace in the second half of the year. If you’re craving more structure or clarity, this reset might be the nudge you need.TIMESTAMPS: (skip 9:00-22:00 for trigger warning)00:00 – Intro: What Don't

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00:30:04

117. 30 Non-Cliche Lessons I've Learned by 30 🤍

Don"t Depend On Daddy ·

2025/07/09

I’m sharing the unfiltered, sometimes uncomfortable but deeply important lessons I’ve learned by 30—from relationships and self-worth to money, boundaries, and doing life your way. Whether you’re in your 20s or already beyond 30, these life lessons cover navigating adulthood, building independence, de-centering external validation, and cultivating confidence in your own timeline.00:00 – Welcome & turning 3003:00 – Lesson 1: You have plenty of time05:45 – Lesson 4: Move to a new place at least

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00:29:53

116. 5 Habits Helping Me Feel My Best This Summer:...

Don"t Depend On Daddy ·

2025/07/02

Welcome back to Don’t Depend on Daddy, the podcast empowering young professionals to build independent, intentional lives. In this Summer 2025 State of the Union, I’m reflecting on what’s in and what’s out this season—from skincare to career goals, dating, therapy, and everything in between. I’m also sharing five things I’m doing to feel my absolute best physically and emotionally this summer. If you’re entering a new era, trying to enjoy your 20s or 30s with more intention, or just want some

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00:28:04

115. 5 Smart Financial Moves I Made in My 20s (That...

Don"t Depend On Daddy ·

2025/06/25

In this episode, Michela is breaking down the top 5 financial decisions that helped her cross the $1M net worth threshold before turning 30. From living at home post-grad and building a business, to tracking every dollar and calculating my FIRE number—these choices weren’t flashy, but they were incredibly effective. Whether you’re in your early 20s or heading into your 30s, these are the practical, foundational moves that can create serious financial momentum over time.I’ll also share the mindset

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