Early Retirement And Guilt-Free Spending | The Vault Episode 49

01/30/25 • 42 min

In Episode 49 of The Vault, we discuss this week’s controversial opinion, “Your 20s are NOT for building wealth, your 30s are” before diving into our listener dilemmas:

💸 "Should I give up on my early retirement dreams?”

💸 "I earn £180k but feel guilty spending”

We celebrate a brilliant win from one of our community members! After using Monzo Flex for "cash flow purposes" and accumulating £300 in debt from holiday spending and shopping, they took control by doing a smart bank switch, earning £200, and combining it with extra funds to pay off the balance entirely. They’ve now officially closed it—legend! 🎉

If you’d like to share your money win, head to the community in the Financielle app or email [email protected]

Send your (totally anonymous) money dilemmas to [email protected] and we may feature yours on a future episode 💌

As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook. This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULT

Check out The Money Playbook course here 💸

Chapters:
00:00 Introduction
00:46 Welcome to The Vault Podcast
03:22 Controversial Opinion: Wealth Building in Your Twenties
05:08 The Power of Compound Interest
13:14 Retirement Planning Dilemma
22:27 Community Win: Overcoming Debt
23:11 Popcorn and Cinema Hacks
24:35 Bank Switching Success Stories
26:25 Emergency Funds and Financial Hacks
31:03 High Earner Dilemma: Spending Guilt
38:46 Budgeting Tips and Final Thoughts

The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
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About Financielle:
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Recorded and Produced by Liverpool Podcast Studios
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In Episode 49 of The Vault, we discuss this week’s controversial opinion, “Your 20s are NOT for building wealth, your 30s are” before diving into our listener dilemmas:

💸 "Should I give up on my early retirement dreams?”

💸 "I earn £180k but feel guilty spending”

If you’d like to share your money win, head to the community in the Financielle app or email [email protected]

Send your (totally anonymous) money dilemmas to [email protected] and we may feature yours on a future episode 💌

Check out The Money Playbook course here 💸

Previous Episode

UNLOCKED: Why Everyone Should Track Their Net Worth (Not Just the Rich)

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💸 Welcome to The Vault Unlocked – a special bonus series of The Vault Podcast, where we deep dive into the big money topics no one wants to talk about.

Today, we’re tackling net worth—and no, it’s not just for celebrities or the ultra-rich. Tracking your net worth is the ultimate financial move, no matter where you’re starting from, even if you’re in debt.

Here’s what we’re unlocking in this episode:

What net worth really means and why it’s a better measure than income
The assets that matter most—and why not all assets are created equal
Common misconceptions about net worth, including why even a negative number is worth tracking
How to calculate your net worth in four simple steps and use it to grow

Plus, we’re sharing a community story from Hannah, who started tracking her net worth and saw her financial journey transform.

This episode will empower you to take charge of your money and give you the tools to see progress, no matter your starting point.

🚑 P.S. if you work in the NHS, click this link for pension calculation help: https://www.nhsbsa.nhs.uk/member-hub/getting-estimate-your-pension

💬 Have a topic you’d love us to unlock next? Email us at [email protected]

👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.

Next Episode

UNLOCKED: Why Investing Isn’t Scary—And Why You Need to Start Now

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💸 Welcome to The Vault Unlocked – a special bonus series of The Vault Podcast, where we deep dive into the big money topics no one wants to talk about.
Today, we’re tackling **investing**—and no, it’s not just for the wealthy or finance experts. Investing is for everyone, no matter where you’re starting from, and today, we’re showing you how simple it can be.
Here’s what we’re unlocking in this episode:
- What investing really is—and why it’s easier than you think
- Why you’re probably already investing (without even knowing it!)
- The top reasons why investing is crucial for your financial future
- How to know when you’re ready to start and how much to invest
- A breakdown of pre- and post-retirement investing strategies for building wealth
- Practical tips on how to start investing in simple, actionable ways
Plus, we’re sharing a community story from Tolu, who has been on an incredible money journey and loves supporting others through theirs too!
This episode will empower you to stop overthinking investing and get started on your path to financial freedom.
💬 Have a topic you’d love us to unlock next? Email us at [email protected]
👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.