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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

8:11

247. Wealth Building: Buy the Bigger Home Before THIS...

Centsational Women Investing: Personal Finance,... ·

2026/10/05

Send us Fan Mail You got the raise. You bought the bigger home. Everyone said congratulations. So why do so many women feel poorer three years later? In this episode, you'll discover: The costs no bank puts in the maths when it says yes to your mortgageWhat researchers found when they followed people who moved to a bigger homeThe question we ask every woman before she signs anything big (most women can't answer it)Ready to answer it with your own numbers? Listen now! Support the show 🎓 Ready

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14:23

246. Financial Freedom: Can't Afford to Leave? Then...

Centsational Women Investing: Personal Finance,... ·

2026/10/01

Send us Fan Mail There's money in your life that one person doesn't know about. Maybe it's a savings account. Maybe it's a number you quietly round down when someone asks. This week at the Money & Martinis table, the doors are closed and nobody is judging. We open up secret accounts, hidden savings and the exit plans so many women keep without ever saying them out loud. We want to know what that money is guarding you from. In this episode, you'll discover: Why your body might want a hidde...

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8:17

245. Portfolio Mistake: Your Bank Called You...

Centsational Women Investing: Personal Finance,... ·

2026/09/28

Send us Fan Mail Markets keep breaking records. You opened your app, and your number barely moved. You did everything right. You spread your money across funds. Your bank told you that you were well diversified. You believed them. This week, we open up a portfolio that looks perfect on paper and ask the one question your bank statement will never answer for you. You'll also find out what your bank advisor has in common with Francesca's first boyfriend. If you own more than a handful of funds ...

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17:31

244. Ask for It or Stay Broke: DO THIS INSTEAD

Centsational Women Investing: Personal Finance,... ·

2026/09/24

Send us Fan Mail You've been treating "no" like a verdict on you. It isn't. It's just the first move in a conversation you keep walking away from too early. This week on The Ask, all four of us are unpacking what actually happens when you hear no, and why it costs you so much more than the moment itself. What rejection does in your body long after the word is saidHow women who ask for a living hear a no completely differently than you do,The no that once nearly rerouted one of our entire care...

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5:29

243. Being "Up" Doesn't Mean You're Winning: Your 3%...

Centsational Women Investing: Personal Finance,... ·

2026/09/21

Send us Fan Mail You open the app. You see green. Your shoulders drop, relieved. You move on with your day. But a positive number, on its own, tells you nothing. In this episode: Why the return you're proud of could already be underperforming with zero way of knowing itThe one thing that decides whether "up" means you actually won, or just got luckyWhy "just wait it out" isn't always the right instinct when you're downThe tool every Centsational student learns to build for herself because you...

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14:05

241. What You're Calling Depression Might Just Be...

Centsational Women Investing: Personal Finance,... ·

2026/09/17

Send us Fan Mail "I just need to find a way to make more money." That's the sentence she kept repeating to the people trying to help her. They wanted to give her a pill. Over martinis, all four of us go there: the blurry, uncomfortable line between financial stress and something you'd actually get medicated for. One of us tells the story of the year she lived on £30 a week and watched herself disappear and what actually turned it around (spoiler: it wasn't therapy). We also get into the ten y...

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7:24

241. THIS Is Why Your Watch Collection Isn't a...

Centsational Women Investing: Personal Finance,... ·

2026/09/14

Send us Fan Mail One brand controls almost half of an entire multi-billion dollar market. Numbers like that make anything feel bulletproof. They're not. In this episode, you'll discover: The real market share numbers behind the three biggest watch brands, and how much more concentrated that market actually is than you'd guessWhy "rare and desirable" and "good investment" are not the same test, even when it feels like they should beThe one question that separates a collector from an inve...

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17:36

240. Investing Delay: The "I'll Start When Things...

Centsational Women Investing: Personal Finance,... ·

2026/09/10

Send us Fan Mail "I'll start when things calm down." You've said it. Maybe you're saying it right now. This week on The Centsational Aperitivo, the team goes after that sentence and doesn't let it off easy. In this episode: We run the actual numbers on what "waiting a few years" really costs you by retirementThe gap between starting now and starting later will make you rethink every "not yet”What actually counts as "not ready" versus what's just a comfortable excuse, and why every year you wa...

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5:19

239. Portfolio Withdrawal Mystery: Why Her Balance...

Centsational Women Investing: Personal Finance,... ·

2026/09/07

Send us Fan Mail A student of us called Francesca convinced her bank had made a mistake. She'd pulled a real amount of money out of her portfolio months earlier, and when she checked her balance, it looked exactly the same. Nobody made an error, and the truth behind it is more useful than any banking glitch could ever be. You'll learn: Why a real withdrawal can seem to disappear from your balance within months, and what has to be true for that to happenThe difference between having money inve...

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15:11

238. Money & Sex: Your Bank Account Is Secretly...

Centsational Women Investing: Personal Finance,... ·

2026/09/03

Send us Fan Mail There's a tax almost nobody talks about. It doesn't show up on a bank statement. It shows up somewhere much more personal and most women paying it don't even know they're paying it. This week on Money & Martinis, all four of us pour the drinks, close the doors, and go somewhere we don't normally go on this podcast: the quiet, unspoken link between how financially dependent a woman is and what actually happens between her and her partner behind closed doors. In this ...

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6:18

237. Investing Mistake: Why Your Portfolio Made 3%...

Centsational Women Investing: Personal Finance,... ·

2026/08/31

Send us Fan Mail A balanced portfolio has historically returned more than 7% a year for decades. So why do so many long-term investors end up with 2% or 3%? In this episode, we break down the real reason behind that gap. It has little to do with one dramatic decision, and a lot to do with something far more common than most investors realize. You'll learn: What a properly built 60/40 portfolio has actually returned over the long run, and how that compares to what most portfolios really captur...

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14:11

236. Financial Independence Test: If You Could...

Centsational Women Investing: Personal Finance,... ·

2026/08/27

Send us Fan Mail Not "do you want to." Just — could you. In this episode of The Centsational Aperitivo, all four of us sit with that question and what it actually reveals underneath the words "loyalty," "patience," and "love." Because financial fear is very good at disguising itself. It can look like devotion. It can sound like commitment. And most women have never actually run the numbers to know which one they're living. This episode pulls that apart — what it really costs to have the optio...

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6:07

235. Portfolio Volatility: Why A "Calm" Portfolio Is...

Centsational Women Investing: Personal Finance,... ·

2026/08/24

Send us Fan Mail Every investor says they want a portfolio that doesn't move. This episode explains why that might be the worst thing you could ask for. We break down what's really happening every time the market swings, and why the discomfort you're trying to avoid might be the exact thing separating investors who build wealth from investors who don't. You'll learn: Why a portfolio that never moves could be a warning sign instead of a good oneWhat actually happens in the market during moment...

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18:07

234. Salary Negotiation For Women: You Weren't...

Centsational Women Investing: Personal Finance,... ·

2026/08/20

Send us Fan Mail There's a number you already know. The raise you should have asked for two years ago. The rate you keep undercharging because saying the real one out loud feels too big for your mouth. The sentence you've rehearsed in the shower and never once said to your partner, your boss, or the client who's clearly getting more of you than they're paying for. In this episode of The Ask, all four of us sit down with that number and the moment right before it gets said. Because here's the ...

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7:48

233. Investing Mistake: Why "Just Hold" Is Secretly...

Centsational Women Investing: Personal Finance,... ·

2026/08/17

Send us Fan Mail This is the investing mistake almost every investor makes without realizing it, and the number behind it is not what you'd expect. Everyone tells you the same thing when a stock drops: just hold, it'll come back. But in this episode, we show you the math nobody does before saying that, and why the real cost isn't the drop itself. It's something most investors never even calculate. You'll learn: The real math behind loss recovery that almost everyone gets wrong, and why the tr...

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19:11

232. You Know Exactly What to Do With Your Money. So...

Centsational Women Investing: Personal Finance,... ·

2026/08/13

Send us Fan Mail You know the move. You've known it for years. And still, every month, the money goes somewhere else, and the account you meant to open stays closed. In this episode, Francesca sits down with the full table, Melanie, Kristin, and Dagmar, to look at one of the strangest patterns in a woman's relationship with money: having the knowledge, and still standing still. The freeze that keeps you from starting the thing you already know you need to start is doing something for you, whe...

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6:40

231. Espresso & the Economy: SpaceX, Elon Musk, and...

Centsational Women Investing: Personal Finance,... ·

2026/08/10

Send us Fan Mail SpaceX just had its best quarter yet. Somewhere on the internet, someone is taking a very public victory lap for calling it years ago. In today's Espresso, we break down the very human reason "I told you so" stories work on us even when the full picture is messier than the headline, plus the one question that separates real insight from a lucky guess with excellent timing. You'll learn: The detail missing from every "I called it" story you'll ever readWhy one right prediction...

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14:40

230. Money & Martinis: Broke Women Have Worse Sex....

Centsational Women Investing: Personal Finance,... ·

2026/08/06

Send us Fan Mail Martinis poured, doors closed the Centsational ladies say the quiet part out loud. There's a real number from actual research that ties two things you've never once put in the same sentence, and once you hear it, you won't be able to un-hear it. They get into why your body can't fully let go with anyone — a partner, a friend, yourself — while a part of you is still standing guard at your bank account. Why the same shame that shows up around your body shows up around money, in...

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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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