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Centsational Women Investing: Personal Finance, Wealth & ETF Investing for European Women
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 intimidated by the word “investing” and by the whole process
- Or secretly worry you’re “just not a money person”…
You’re in the right place.
I’m Francesca Torre and every Monday and Thursday, I break down personal finance, money mindset, and beginner investing in plain English with zero shame, spreadsheets, or stress.
I didn’t grow up knowing any of this.
Even during my early years as an investment banker, I was terrified to invest my own €1,000 despite managing millions for clients.
But that’s when I started. Slowly, awkwardly, imperfectly.
Now? I built a 7-figures portfolio and as the founder of Centsational Women (#1 Investing Academy for Women in Europe) I’ve helped hundreds of European women grow their money with confidence no finance degree (or spreadsheets) required.
If you’ve ever thought:
“I’m too behind…”
“I’m bad with numbers…”
“Investing isn’t for someone like me…”
Press play — and get ready to prove yourself wrong.
We’ll prove you wrong (and you’ll thank us later).
🎧 Ready to take the first step?
Join my free investing workshop, made for women in Europe who are ready to stop Googling and start growing.
👉 👉 Click HERE to save your spot instantly
Legal disclaimer
Content on this podcast is for educational purposes only and not financial advice. The content hereby broadcast does not include any personalized investment advice nor any recommendation. Likewise, the content is not aimed at the remote promotion or distribution of financial products or investment services. Views expressed are personal opinions. Investing involves risks. Perform your own research. Please refer to our Terms & Conditions on our website.
Episodes
240 episodes
240. Investing Delay: The "I'll Start When Things Calm Down" Excuse Costing You Over €1,000,000 (Do THIS Instead)
"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 nu...
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239. Portfolio Withdrawal Mystery: Why Her Balance Looked Untouched Months After Pulling Out Thousand
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 b...
238. Money & Sex: Your Bank Account Is Secretly Costing You In Bed & You Never Connected THIS
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 ...
237. Investing Mistake: Why Your Portfolio Made 3% While The Market Made 7% (Do THIS Before You Blame The Market)
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 drama...
236. Financial Independence Test: If You Could Actually Afford To Leave, Would You Still Stay? The Answer Exposes Everything
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 f...
235. Portfolio Volatility: Why A "Calm" Portfolio Is The Bigger Risk (And Who's Getting Rich Off Your Fear)
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 tryi...
234. Salary Negotiation For Women: You Weren't Rejected, You Never Actually Asked (Do THIS Before Your Next Review)
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 ...
233. Investing Mistake: Why "Just Hold" Is Secretly Bleeding Your Portfolio (Do THIS Math Before You Decide)
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 s...
232. Investing Procrastination: Why Knowing What To Do With Your Money Still Isn't Enough To Make You Do It
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...
231. How The Top 1% Of Investors Use SpaceX News To Predict Market Moves (And The Mistake Costing You Profits THIS Week)
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 t...
230. Money & Sex: The Data Showing Why Financially Anxious Women Have Worse Sex
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...
229. Portfolio Risk Mistake: Why A Good Market Year Is Hiding How Badly Yours Is Actually Built
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 ...
228. Salary Negotiation For Women: Why Your 20% Raise Is Actually A Trapped Identity Keeping You Underpaid & Overworked
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...
227. What Is "Good Debt" — and Why Rich Women Use It on Purpose
Most of us were handed one flat rule about money as children: debt is bad. Debt is danger. Debt is the thing that ruins people. And for a lot of women, it's wrapped in something heavier than logic — shame, and the quiet belief that owi...
226. Building An Investing 'F-You Fund' Is Controlling Your Entire Life: Do THIS To Stop Bleeding Cash Before You Quit
Your grandmother's generation had a name for it and they kept it a secret, tucked in a drawer. In this episode of the Centsational Aperitivo, we're pouring a slightly spicier glass and talking about something almost no one teaches women directl...
225. Investing Mistake: Why Chasing "Hot" Stocks Is Just Texting The Ex Who Only Wants You Back Now That You've Moved On
There's a moment almost every woman knows. It's late, you're on your phone, and a stock — a sector, a "theme" — keeps coming up. The chart is going up and up, someone you know apparently made a lot, and something in your chest does a little fli...
224. Luxury Spending Mistake: The Birkin Test That Reveals If You're Buying Status Or Building Wealth
In this episode, we pour the martinis and ask the one question that quietly separates a real investment from an expensive way to feel important: would you buy this thing if you could never show it to anyone or tell anyone about it?...
223. Global Economy Shift: The World Just Stopped Chasing Cheap Workers — What It's Chasing Now Will Change Your Portfolio
For 40 years, the entire global economy has run on one simple rule. A humanoid robot working full shifts on a factory floor just started to break it and almost nobody is explaining what it means.In this Espresso & the Economy, we unp...
222. Salary Negotiation For Women: Why Asking For More Teaches Your Boss How To Treat You (Do THIS Before Your Next Ask)
Somewhere in a sunlit café in Paris, the four of us leaned in to talk about the one thing most women would rather avoid entirely: asking for more money.Because here's the truth we kept coming back to — you teach people how to treat you. ...
221. European Investing Mistake: The Cozy Money Habit Costing Women A Fortune — Fix THIS Before It's Too Late
Your friend at dinner says it with total confidence: "I only invest in Europe I like to keep my money where I understand it." Everyone nods. It sounds wise. It sounds grounded :) It's also costing her.In this Espresso shot, Fran...
220. Retirement Savings Mistake: What Your Botox & Highlights Budget Could Be Worth If You Invested It Instead
Let's do something a little dangerous over our espresso today: let's actually add it up.The hair. The nails. The lashes. The facials, the massages, the gels, the "one more" moisturiser on an already full shelf. None of it is something to...
219. Stock Market Bubble Or Correction: The One-Question Test That Tells You Which One You're In
Everyone's whispering the word "bubble" right now — and the headlines want you scared before you understand anything. In this Espresso episode, Francesca shows you why "is this a bubble?" is the wrong question, and the one simple test that turn...
218. Investing For Women: Why "I'm Too Stupid To Invest" Is The Sentence Costing You The Most
I'd love to start… but I don't understand enough yet.If you've ever said it, this one's about you and it's not what you think. Over a cocktail, Francesca, Melanie and Kristin take apart the most paralyzing sentence in a woman's ...
217. Elon Musk's Salary: The Number That Should Change How You See Your Own Money Right Now
The richest man alive reportedly pays himself a salary of just $54,080 a year. It's true and almost everyone read it backwards.In this episode:Why "he only earns $54,080" is completely true and completely beside the point
216. Extra Income Mistake: Why Yours Keeps Disappearing — And How To Turn It Into Wealth Before It's Too Late
Most women treat extra income as spending money… a little reward, a treat, a "I earned it so I can enjoy it." And then it quietly disappears. In this episode, Melanie shows you why that one decision is the difference between a side project and ...