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The Finance Girlies: Money Conversations for Gen Z and Millennial Women
Welcome to the Finance Girlies, a money podcast for the girlies who’ve never felt seen by traditional finance advice.
This isn’t your typical personal finance show — it’s two Millennial friends talking about money the way it actually shows up in our lives.
We’re your hosts, Emily Batdorf and Cassidy Horton. Between the two of us, we’ve spent more than a decade researching and writing for big publications in the personal finance space.
Now, every Wednesday, we’re sharing our financial knowledge, experience, and hard-won confidence with you. (And when it’s helpful, we bring in trusted experts to help us unpack the more complex topics.)
During each episode of The Finance Girlies, we’ll cover topics like:
- Why you don’t have to feel “ready” before you start investing
- How to be a more conscious consumer when you’re constantly being #influenced
- How your career as a freelancer, entrepreneur, or employee affects your financial reality
- How to handle money conflicts in relationships — and strategies to avoid them altogether
- How your money beliefs directly impact your financial habits and choices
Together, we’ll explore how you relate to money: through conversations with your partner, the paycheck you earn, and how you spend your days. Instead of throwing prescriptive advice at you, we’ll give you helpful reframes, mindset tools, and why-did-nobody-teach-me-this tidbits to help you build financial confidence every day.
If you’ve ever felt like personal financial advice was too dry, impractical, condescending — or just too bro-y — we invite you to pop in an earbud and let out a deep exhale.
The Finance Girlies: Money Conversations for Gen Z and Millennial Women
Why your budget isn’t broken (the system is) with Kelsa Dickey / 58
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Budgeting is often framed as a discipline problem — try harder, be more consistent, stick to the plan. But what if the real issue isn’t effort or willpower… it’s that the system was never designed for your actual life in the first place?
Today we’re joined by Kelsa Dickey, founder of Fiscal Fitness Phoenix and creator of the Spend First System. Kelsa is a former licensed financial advisor who intentionally left the traditional financial advising world to focus on what most people are actually struggling with: managing money day to day, with real constraints on time, energy, and attention.
In this episode, Kelsa challenges some of the most common budgeting assumptions — like the idea that there’s one “right” way to do things, or that sticking to a perfect budget should even be the goal.
Instead, she walks us through how to build a money system that evolves with you, how to use trial and error without shame, and how to measure progress in ways that keep you motivated. If you’ve ever felt capable in every area of life except money, this conversation will help things click.
✨ Episode Highlights ✨
- [0:00] Why Kelsa left traditional financial advising to become a money coach
- [4:00] Why most financial advice overwhelms people instead of helping them
- [9:00] The real first step to getting your finances together (and why the second step matters more)
- [12:00] “Strategic trial and error” and how to evaluate your money plan without shame
- [18:00] The difference between financially minded people and everyone else starting out
- [20:00] The 3-bucket system: spend fixed, spend freely, spend future
- [25:00] Why budgeting fails when it ignores time and energy capacity
- [31:00] Why the idea of a “perfect month” sets people up for frustration
- [38:00] When (and how) to change your budget as your life evolves
- [45:00] Measuring progress with peace, confidence, and pride — not just numbers
✨ Resources ✨
- Visit Kelsa’s website: Fiscal Fitness Phoenix
- Follow Kelsa on Instagram: @moneycoachkelsa
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