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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
Health Savings Accounts (HSAs): The incredible financial tool you may be overlooking / 54
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Health Savings Accounts (HSAs) might be hiding in your benefits package, and most people have no idea how powerful they actually are. In this episode, we're breaking down everything you need to know about HSAs — from whether you're eligible to how to treat them like a secret retirement account.
Emily and Cassidy dive into the triple tax advantage that makes HSAs unlike any other account, explain the difference between HSAs and FSAs, and share real strategies for maximizing this financial tool. Whether you're using your HSA to cover medical expenses or letting it grow for decades, this episode has the framework you need to make an informed decision.
✨ Episode Highlights ✨
- [3:00] What an HSA actually is (and why the "triple tax advantage" is life-changing)
- [5:00] How to know if you're eligible for an HSA
- [8:00] Contribution limits and why you don't need to max it out
- [10:00] The "secret retirement account" strategy — and how it works
- [15:00] FSAs vs. HSAs: Which one is actually better?
- [20:00] How to open an HSA if your employer doesn't offer one
- [27:00] When you should actually open an HSA (and in what order)
✨ Resources ✨
- IRS List of Qualified Medical Expenses — IRS Publication 502
- Fidelity HSA (what Emily uses) — Open an HSA with Fidelity
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https://www.thefinancegirlies.com/
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hello@thefinancegirlies.com
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