
Advertise on podcast: The Vault with Financielle
Rating
3.5from
This podcast has
170 episodes
Language
EnglishPublisher
FinancielleExplicit
No
Date created
2024/02/23
Latest episode
2026/10/01
Average duration
39 min.
Release period
7 days
Description
Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from Leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault.
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Check latest episodes from The Vault with Financielle podcast
"I earn £90k and have £87k saved — so why am I terrified to spend it?” |
2026/10/01
Turns out having the money doesn't switch off the money anxiety… both of this week's dilemmas are from women who've done everything right and still can't bring themselves to spend 👀
This week’s money dilemmas:
💸 "I Earn £90k and Have £87k Saved — So Why Am I Terrified to Spend It?"
💸 "I've Saved Every Penny to Clear My Debt… and I Can't Press 'Pay'"
Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌
You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸
Connect with our Partners
✍️ Write a will for FREE with Octopus Legacy*(offer ends 31st October 26)
🫶 Protect yourself and loved ones with our friends at Lifesearch*
*The above are tracked links, which tell our partners we sent you and may in future result in a payment or benefit to our site.
"I turned 40, I'm £17k in debt, and I'm done using credit for good” | The Vault Episode 131
2026/09/24
You asked for updates, and we've got one for you! Betty sent us a voicenote after her dilemma (ep106) about putting all her work expenses on a credit card 🎙️
This week, we're diving into these money dilemmas:
💸 "No More Student Loan, £380 Better Off a Month — What Do I Do?"
💸 "I Turned 40, I'm £17k in Debt, and I'm Done Using Credit for Good"
Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌
You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸
Connect with our Partner
🫶 Protect yourself and loved ones with our friends at Lifesearch*
*The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
“I struggle to cover my basic costs” | The Vault Episode 130
2026/09/17
"What's the sinking fund you wish you'd set up sooner?” We’re asking Laura some quickfire round questions so buckle up!
This week, we're diving into these money dilemmas:
💸 "Can I Use My Emergency Fund to Move to New Zealand?"
💸 "I Struggle to Cover My Basic Costs — Should I Sell My Rental Flat?"
Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌
You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸
Connect with our Partner
🫶 Protect yourself and loved ones with our friends at Lifesearch*
*The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
Age 34 with £27k debt and no pension! | The Vault Episode 129
2026/09/10
What do you do when you're the only person who knows how much debt you're actually in? 😳
This week, we're diving into these money dilemmas:
💸 "I'm 34 With £27k of Debt and No Pension — And My Partner Doesn't Know"
💸 "Buy, Rent or Stay at Home?"
Plus an update from Michelle (ep128) — she put her big girl pants on, brought the budget up with the group, and the girls holiday chat went so much better than she expected 🎉
Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌
You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸
Connect with our Partner
🫶 Protect yourself and loved ones with our friends at Lifesearch*
*The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
“My friends can’t agree on our girls holiday budget” | The Vault Episode 128
2026/09/03
We're back! Summer break is officially over and The Vault is open again 💖
This week, we're diving into these money dilemmas:
💸 "I Earn £101k — Has My Pay Rise Cost Me My Free Childcare?"
💸 "My Friends Can't Agree On Our Girls Holiday Budget"
Plus a gorgeous update from Tamika & Thomas (ep115) — after their dilemma on combining finances before marriage, there's a joint account AND a wedding booked 🎉
Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌
You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸
Connect with our Partner
🫶 Protect yourself and loved ones with our friends at Lifesearch*
*The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
"£10k saved, £4k owed... Do I clear my debt?"
2026/08/27
Over 750,000 of you watched this dilemma on socials — so while we work on the next chapter of The Vault, we're bringing back the episodes you loved most. 🤫
This week we debate the controversial opinion "wellness is for the elite", before diving into two listener dilemmas:
💸 "Should I use my savings to clear my debt?"💸 "My parents give my brother more financial support than me!"
Plus a community win: one listener's net worth up £900 after just ONE MONTH with Financielle 📈
Got a money dilemma or a win to share? Tell us anonymously in the Financielle app or email [email protected] 💌
You don't have to figure this out alone. More honest money chat at financielle.com 💖💸
Connect with our Partner
🫶 Protect yourself and loved ones with our friends at Lifesearch *
* The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
"I'm going into debt for my son's £400 school trip"
2026/08/20
While we work on the next chapter of The Vault, we're bringing back the episodes you loved most. 🤫
This week we debate the controversial opinion "maternity leave should be fully paid for at least a year" 🫄, before diving into two listener dilemmas:
💸 "I'm going into debt for school trips"💸 "I'm in a PCP agreement with my ex!"
Plus a brilliant community win: one listener cut her credit limit so the debt cycle can't restart. 🎉
Got a money dilemma or a win to share? Tell us anonymously in the Financielle app or email [email protected] 💌
You don't have to figure this out alone. More honest money chat at financielle.com 💖💸
Connect with our Partner
🫶 Protect yourself and loved ones with our friends at Lifesearch*
* The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
"I have $200k in my pension but only $1,300 in savings… Help"
2026/08/13
While we work on the next chapter of The Vault, we're bringing back the episodes you loved most. 🤫 This one kicked off our biggest year yet!
We open with a round of Jail or No Jail: "I keep all my money in cash because investing scares me"… guilty or not? 🚨
Then we dive into two listener dilemmas:
💸 "I Have $200k in My Pension but Only $1,300 in Savings… Help"
💸 "I'm Trapped in My Overdraft After 20 Years"
Plus a community win that still makes us smile: £15k overpaid on a mortgage in one year 👏
Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email [email protected] 💌
You're not alone in figuring this stuff out. More honest money chat at financielle.com 💖💸
Connect with our Partner
🫶 Protect yourself and loved ones with our friends at Lifesearch*
* The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
"£90k debt and my husband has run out of money"
2026/08/06
Over 1 million of you watched this dilemma on socials — so while we cook up the next chapter of The Vault, we're bringing back the episodes you couldn't stop talking about. 🤫
This week we debate the controversial opinion "couples should ALWAYS combine finances", before diving into two listener dilemmas:
💸 "I've always been an 'executive sponsor' for my friends"
💸 "£90k debt and my husband has run out of money"
Plus a listener money win we love: a £175 bank-switch bonus, straight onto the loan. 👏
Got a money dilemma or a win to share? Tell us anonymously in the Financielle app or email [email protected] 💌
You don't have to figure this out alone. More honest money chat at financielle.com 💖💸
"I Want to Retire at 45 — Am I Delusional or Is FIRE Actually Achievable?” | The Vault Episode 127
2026/07/30
We're closing the Vault for a little while, but we're going out on a high 🥹This week's dilemmas:💸 "I Want to Retire at 45. Am I Being Delusional or Is FIRE Actually Achievable on a Normal Salary?"💸 "My Brother Gets £150 a Month in Pocket Money — How Do I Set Him Up Financially Before He Makes My Mistakes?"Thank you so much for being part of The Vault with Financielle community, we'll be back soon with some of our favourite episodes while we take a little break. 🤍In the meantime, check out all the amazing content we have at https://financielle.com/ 💖💸Connect with our Partner
🫶 Protect yourself and loved ones with our friends at Lifesearch *
* The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
"He Wants One Joint Account — I Have 10 Sinking Funds” | The Vault Episode 126
2026/07/23
When two very different money personalities move in together… something's gotta give 👀
This week's dilemmas:
💸 "He Wants One Joint Account for Everything — But I Have 10 Sinking Funds and I Cannot Give Them Up"
💸 "I Earn a Good Salary, Own 2 Rental Properties, and Still Don't Know What to Do With My Money"
Got a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [[email protected]] 💌
You don't have to figure this out alone. More honest money chat at financielle.com 💖💸
Connect with our Partner
🫶 Protect yourself and loved ones with our friends at Lifesearch *
* The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
"I Was Gifted £50k and I'm Buying My First Home Alone” | The Vault Episode 125
2026/07/16
From massive life changes to big money gifts, this week's dilemmas are proof that even good things can still keep you up at night 😅
This week's dilemmas:
💸 "I'm Moving Abroad for Two Years — What Happens to My Pension and ISA While I'm Gone?"
💸 "I Was Gifted £50k and I'm Buying My First Home Alone — What Do I Need to Know?"
Got a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [[email protected]] 💌
You don't have to figure this out alone. More honest money chat at financielle.com 💖💸
Connect with our Partner
🫶 Protect yourself and loved ones with our friends at Lifesearch*
* The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
"I Earn £50k But I Want to Take a £20k Pay Cut” | The Vault Episode 124
2026/07/09
This week we're getting into the messy reality of mortgage overpayments, emergency funds, and whether a dream job is worth a £20k pay cut 👀
This week's dilemmas:
💸 "I've Been Overpaying My Mortgage for Two Years — But I Have Nothing in Savings. Am I Backwards?"
💸 "I Earn £50k and Want to Take a £20k Pay Cut — Am I Making a Huge Mistake?"
Mentions:
🏡 Amortization calculator: https://www.calculator.net/amortization-calculator.html
💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*
Got a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [[email protected]] 💌
You don't have to figure this out alone. More honest money chat at financielle.com 💖💸
Connect with our Partner
🫶 Protect yourself and loved ones with our friends at Lifesearch*
* The above are tracked links, which tell our partners we sent you and may in future result in a payment or benefit to our site.
“Help! I’m inheriting £300k” | The Vault Episode 123
2026/07/02
What would you actually do with a life-changing inheritance? 👀
This week's dilemmas go deep:
💸 "Help! I’m inheriting £300k"💸 "We're Paying Off £9k of Debt, But I Can't Stop Spending On My Daughter"
Plus we asked the community: have you ever used AI for your finances? Would you trust it with your bank statements? 🤖
Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [[email protected]] 💌
You don't have to figure this out alone. More honest money chat at financielle.com 💖💸
Connect with our Partner
🫶 Protect yourself and loved ones with our friends at Lifesearch *
* The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
"Do we stay for the pension or leave for the life we actually want?” | The Vault Episode 122
2026/06/25
We asked how much you've spent on a wedding that wasn't yours… and some of your answers were shocking 😅💸
This week's dilemmas:
💸 "Do we stay for the pension or leave for the life we actually want?"
💸 "Is this lifestyle creep or self care?"
Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email us at [[email protected]] 💌
You don't have to figure this out alone. More honest money chat at financielle.com 💖💸
Connect with our Partner
🫶 Protect yourself and loved ones with our friends at Lifesearch *
*The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.
Podcast reviews
Read The Vault with Financielle podcast reviews
CBelcourt 2025/10/02
10/10
Love listening to this podcast. It has made me feel like I can get ahead financially and the dilemmas from the community are always great. I am always...
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