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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
How to make Valentine’s Day feel special (without overconsuming) / 62
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If Valentine’s Day has ever made you feel pressured, behind, or annoyed at how expensive it all seems — it’s not just you. In this episode, we’re unpacking how Valentine’s Day became a multi-billion-dollar industry, why it can feel so loaded emotionally (and financially), and how to opt out of overconsumption without opting out of joy.
We share the surprising history of Valentine’s Day, the real data behind how much people spend, and how social media fuels comparison spirals. Then we get personal — talking through our very different, very intentional approaches to the holiday, whether that looks like a cozy homemade dinner, a box of chocolates we bought ourselves, or planning something meaningful with friends.
This conversation is for anyone who wants Valentine’s Day to feel more aligned — with your values, your budget, and the way you actually experience love. Partnered, single, or somewhere in between, you deserve a version of this holiday that feels good.
✨ Episode Highlights ✨
- [00:00] Why Valentine’s Day feels so commercial — and why that’s not new
- [02:00] Social media, comparison spirals, and performance pressure
- [03:30] How much Americans actually spend on Valentine’s Day
- [06:00] Emily’s low-key, at-home Valentine’s Day tradition
- [07:00] Cassidy’s evolving approach — from compromise to self-celebration
- [09:00] Making holidays special when no one else does it for you
- [14:00] Low-consumption Valentine’s ideas from real people
- [20:00] Wallet-friendly and eco-friendly ways to celebrate
- [24:00] A simple reflection exercise to redesign Valentine’s Day for you
✨ Resources ✨
- National Retail Federation Valentine’s Day spending survey
- Substack post on eco-friendly and wallet-friendly Valentine’s Day ideas
- Reflection questions shared in this episode:
- What actually makes me feel loved?
- What kind of Valentine’s Day do I want, even if no one else sees it?
- Where am I spending money out of expectation instead of meaning?
- What’s one small thing that would help me feel more connected to my loved ones this Valentine’s Day?
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hello@thefinancegirlies.com
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