119. When $100K Doesn’t Feel Like Enough and Work Feels Wrong: Answering Your Money & Career Questions

119. When $100K Doesn’t Feel Like Enough and Work Feels Wrong: Answering Your Money & Career Questions

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 started.

We’re covering both tactical money tips and deeper mindset shifts around work, worth, and building a life that feels aligned. If you’re in a season of transition or just want to feel more financially grounded, this one’s for you.


TIMESTAMPS:

00:00 – Intro: answering your personal finance & career questions00:48 – I’m 24 and feeling lost—should I pay off student loans or save first?03:45 – Any advice for paying off student loans more strategically?06:10 – Which FIRE path are you pursuing now and why?08:00 – What’s the biggest money mindset shift you’ve made lately?10:35 – I’m approaching $100K but still feel poor—what’s going on?13:00 – How did you pivot from your 9–5 into content full time?15:45 – What does the admin side of your business setup look like?18:00 – How do you negotiate a raise or promotion when there’s “no budget”?20:15 – How do you know when it’s time to pivot careers—and manage the risk?23:10 – I quit a toxic job without a backup. Any advice for staying positive?


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https://breakyourbudget.com/personal-finance-dashboard

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https://breakyourbudget.com/basic-budgeting-template

💸 NEW FI/RE Template:

https://breakyourbudget.com/fire-template

✅ Subscribe to Break Your Budget Weekly:

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📖 My Books:

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👩🏼‍💻 Task Management System + Promotion Template:

https://breakyourbudget.com/own-your-career-template

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

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👩🏼‍💻 Inquiries: michela@breakyourbudget.com

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Episoder(177)

176. 15 Things I Stopped Caring About in My 30s & Why I'm So Much Happier Now

176. 15 Things I Stopped Caring About in My 30s & Why I'm So Much Happier Now

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175. How to Be More Confident Spending Time Alone | 5 Things That Changed How I Think About Loneliness

175. How to Be More Confident Spending Time Alone | 5 Things That Changed How I Think About Loneliness

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174. How to Become a Morning Person | 6 Tips to Make Your Mornings Better That Actually Stick

174. How to Become a Morning Person | 6 Tips to Make Your Mornings Better That Actually Stick

Want to become a morning person but can't make it stick? In this episode I'm breaking down exactly how I trained myself to actually enjoy waking up early, and why I don't think it has anything to do w...

12 Aug 45min

173. The “Type A” Systems That Make My Life Run Smoothly | How I Stay EXTREMELY Organized

173. The “Type A” Systems That Make My Life Run Smoothly | How I Stay EXTREMELY Organized

These are the Type A habits, routines and organizational systems I use to make my life easier across my home, schedule, phone, finances, self-maintenance and mental load. Being Type A often gets confu...

5 Aug 36min

172. Your Job Is Not Your Identity: How to Separate Who You Are From What You Do

172. Your Job Is Not Your Identity: How to Separate Who You Are From What You Do

If your job title feels like your entire life - or you’re afraid to change careers because of what you might lose - this episode is for you. 4.5 years after leaving corporate, I’m sharing what it real...

29 Jul 44min

171. Why Your Life Feels Harder Than It Needs To | How to Remove Daily Friction and Live on ~Easy Mode~

171. Why Your Life Feels Harder Than It Needs To | How to Remove Daily Friction and Live on ~Easy Mode~

If your days have been feeling harder than they should, the problem may not be your discipline - it's friction. In this episode I break down the five areas of your life where invisible resistance is m...

22 Jul 36min

170. How to Become a High-Performer in Your Own Life | Habits That Make Me Successful & What I'm Changing

170. How to Become a High-Performer in Your Own Life | Habits That Make Me Successful & What I'm Changing

High performance isn't about waking up at 4AM, cold plunging, or adding more to your already full plate. In this episode I break down the three things that actually separate high performers from every...

15 Jul 49min

169. 30 Life Lessons I Wish I Knew Sooner | Big Sister Chat on My 31st Birthday!

169. 30 Life Lessons I Wish I Knew Sooner | Big Sister Chat on My 31st Birthday!

I just wrapped my first year of my 30s, and I'm sharing the 30 biggest lessons I learned along the way. From de-centering your age to normalizing changing your mind to finally getting your money basic...

8 Jul 56min

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