Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women
A personal finance podcast for women who make good money but still struggle with overspending, credit card debt, and/or saving money. This isn’t about strict budgets or deprivation, it’s about getting to the root of why money still feels hard even though you’re successful in other areas of your life. Hosted by Germaine Foley, the show focuses on mindset and building systems that actually work in real life.
If you’ve paid off debt before, grown your business, or made more money but still feel stuck, there’s nothing wrong with you. Overspending and financial stress aren’t a lack of discipline, they’re a sign that the strategies you were taught don’t fit your real life. This show helps you understand what’s actually happening beneath the surface so you can finally change it.
Each episode offers honest conversations, practical insights, and a new way to think about money that supports both your life now and your long-term goals. If you’re ready to stop stressing about money all the time and start moving forward, you’re in the right place.
Becoming The Wealthy You | How to Save Money, Stop Overspending, Get Out of Debt, Budgeting & Personal Finance for Women
168. The 7 Hidden Overspending Patterns That Keep High Earners From Building Wealth
Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.
If you make good money but still feel like you should be further along… this episode is for you.
We’re talking about the real reason your income isn’t turning into wealth, and it’s probably not what you think.
This isn’t about budgeting harder or making more money. It’s about the spending patterns that quietly keep high earners stuck.
In this episode, I’m walking you through the 7 spending patterns I see over and over again with women who earn well but aren’t building wealth the way they want to.
We’ll get into:
- The Boredom Buyer and how unstructured time leads to overspending.
- The Relief Seeker and why emotional spending becomes a quick fix for stress.
- The Experience Enhancer and how spending expands during trips and celebrations.
- The Rewarder and how “I deserve it” turns into lifestyle inflation.
- The Over-Giver and how generosity can lead to financial strain.
- The Social Spender and how your environment influences your spending.
- The Convenience Spender and how ease and mental fatigue lead to more spending.
If you’ve ever looked at your income and thought, “I make good money… so why doesn’t it feel like it?” this will help you start connecting the dots.
Because this isn’t random.
It’s patterns.
And once you can see the pattern, you can start to change it.
Over the next several episodes, we’re going to break each one of these down so you can recognize where it’s showing up in your life and what needs to shift.
If you’re ready to go deeper and actually change your spending habits, I’m hosting a Stop Overspending Masterclass where I’ll walk you through what’s really keeping you stuck and how to break the cycle for good.
You can save your seat at germainefoley.com/class or check the link in the show notes.
CLICK HERE to save your seat for the Stop Overspending Masterclass that's happening on Sunday, May 17th at 4pm Eastern.