Videos/articles mentioned:
https://open.substack.com/pub/tooambitious/p/my-motherhood-penalty
https://vm.tiktok.com/ZNdA1xgDP/
https://www.instagram.com/reel/DJElSmvJ-YD/
The motherhood decision hits different when you're 29 and watching the system punish women either way. In this episode, I'm unpacking why choosing to have kids or stay child-free both feel like lose-lose situations - and it's not your fault.
We're diving deep into the motherhood penalty (31% less income), the fatherhood bonus (6% more per child), and why the infrastructure supporting women's choices is completely broken.
This isn't a pros and cons list - it's about understanding the structures behind the fear, guilt, and pressure that make this choice feel so heavy.
Plus, I'm sharing a practical reflection method to help you make peace with whatever decision feels right for you. If you're grappling with the motherhood question or know someone who is, this episode is for you.
🔗 Join the newsletter for bonus resources: https://devamsha.beehiiv.com
💌 Submit your dilemmas or feedback: info@financialhotgirl.com
🎧 Not financial advice. Financially hot advice. *This content is for educational and informational purposes only and does not constitute financial advice. I am not a financial adviser, and you should always do your own research or speak to a qualified professional before making financial decisions. Investments can go up and down in value and you may get back less than you invest. Capital is at risk.
00:00 – Intro: Why motherhood feels heavy now
01:27 – Timing, fear, and the lose-lose dilemma
02:53 – This is not a pros and cons list
03:48 – Economic breakdown: the motherhood penalty
06:42 – The fatherhood bonus vs the mum tax
09:59 – The emotional toll we don’t talk about
12:23 – Real women’s feedback + TikTok takes
13:48 – The grief of choosing childfree
15:17 – The false binary: kids vs freedom
17:13 – What would real support look like?
18:39 – Why childfree people need better systems too
20:31 – Micro solutions while we fight for macro change
20:57 – The real question: how do I want to feel?
22:15 – A reflection exercise to get unstuck
23:41 – The truth about choice, privilege & pressure
24:36 – Final thoughts + how to join the convo
Today we're diving deep into under-consumption and mimetic theory - the psychology behind why most of us buy things we don't actually want or need.
I'll explain how copying other people's desires is keeping you stuck in spending patterns that work against your wealth-building goals, and share my three-question framework that's completely transformed my relationship with money.
We'll explore why happiness plateaus after £70,000 annually and why control over your finances matters more than the actual amount you have.
I'm breaking down the real reasons behind impulse purchases, status spending, and social signaling - plus giving you practical tools to build an anti-mimetic spending strategy.
If you've ever wondered why you have a wardrobe full of things you never wear or why you're always chasing the next purchase to feel complete, this episode will change how you think about consumption forever.
0:00 The Poop Test: A TikTok Comment That Changed Everything1:43 Why You Buy Things You Don't Actually Like3:04 Mimetic Theory: The Psychology of Copying Desires4:36 The Belonging Trap That's Keeping You Broke6:27 Why Control Matters More Than Money (After £70k)8:22 My Personal Story: Waiting for Permission to Invest9:06 The Three-Question Anti-Mimetic Framework12:03 Your Challenge: Track and Label Your Purchases13:49 Final Thoughts: Stop Chasing, Start Leading
🔗 Join the newsletter for bonus resources: https://devamsha.beehiiv.com
💌 Submit your dilemmas or feedback: info@financialhotgirl.com
🎧 Not financial advice. Financially hot advice. *This content is for educational and informational purposes only and does not constitute financial advice. I am not a financial adviser, and you should always do your own research or speak to a qualified professional before making financial decisions. Investments can go up and down in value and you may get back less than you invest. Capital is at risk.
If you’re building a rich life, your partner isn’t just your plus one, they’re your co-CEO.
This episode is for every woman who’s ever felt torn between wanting romance and needing financial clarity. Because here’s the Financial Hot Girl take: love isn’t a spreadsheet, but life does require strategy.
We get into the stats, the softness, and the hard conversations, plus what to look for if you want a relationship to give you deep love AND deep pockets.
We talk:
Why women can’t afford to ignore financial compatibility
5 traits of someone who’s financially aligned
How to start the money convo without it killing the vibe
The emotional ROI of choosing well
📝 Grab the free Love & Money Conversation Starter Pack:
devamsha.beehiiv.com/c/money-conversations
00:00 – Your partner = co-CEO
01:00 – The stats don’t lie
03:45 – Financial alignment ≠ unromantic
06:00 – When love gets risky
07:00 – The hidden costs
10:00 – 5 green flags to spot
15:00 – Power and shared ROI
20:00 – How to talk money
23:00 – Don’t settle for confusion
🔗 Join the newsletter for bonus resources: https://devamsha.beehiiv.com
💌 Submit your dilemmas or feedback: info@financialhotgirl.com
🎧 Not financial advice. Financially hot advice. *This content is for educational and informational purposes only and does not constitute financial advice. I am not a financial adviser, and you should always do your own research or speak to a qualified professional before making financial decisions. Investments can go up and down in value and you may get back less than you invest. Capital is at risk.
Today’s episode is all about the realistic financial steps I took before leaving my corporate 9-5 to build Financial Hot Girl.
You asked questions about navigating irregular income, the surprising ways my lifestyle changed (spoiler: I simplified a lot but still found myself spending on holidays), and how I’ve handled the mental shift from predictable payslips to trusting myself and my business skills.
I’ll also share unexpected lessons about what really mattered once I left, including how others reacted and how my priorities completely reshaped themselves.
I’ve linked the exact spreadsheet I used to plan my own quitting fund here: https://devamsha.beehiiv.com/c/quit-fund
Plus a sign-up to the weekly newsletter for more financially hot tips, relatable money advice, and behind-the-scenes insights on building a life outside the 9-5: https://devamsha.beehiiv.com
00:00 Intro: Getting Real About Quitting Your 9-5
01:19 Figuring Out How Much to Save (Without Overdoing It)
04:46 My Exact ‘Quit Fund’ Strategy and Number
08:39 Knowing When to Actually Leave (Gut Feelings and Logic)
12:58 The Realities of Irregular Income and Financial Stress
17:27 Adjusting My Lifestyle and Mindset After Quitting
20:04 Unexpected Lessons, Reactions, and Priorities
23:50 Final Thoughts and How to Find Your Own Quit Number
🔗 Join the newsletter for bonus resources: https://devamsha.beehiiv.com
💌 Submit your dilemmas or feedback: info@financialhotgirl.com
🎧 Not financial advice. Financially hot advice. *This content is for educational and informational purposes only and does not constitute financial advice. I am not a financial adviser, and you should always do your own research or speak to a qualified professional before making financial decisions. Investments can go up and down in value and you may get back less than you invest. Capital is at risk.
You got the raise. You’re earning more than ever. So why does it still feel like you’re broke?
In this episode of The Financial Hot Girl Show, I break down the lesser-known psychological reasons why increasing your income doesn’t always improve your financial situation. From invisible financial set points to childhood money stories and the science behind impulsive spending, this is the clarity your bank account’s been begging for.
📩 Grab the free transaction tracker mentioned: https://devamsha.beehiiv.com
00:00 – Why earning more didn’t make me richer
01:30 – High income, low net worth: the silent struggle
02:50 – The psychology behind overspending (and why it’s not your fault)
04:20 – Why we sabotage financial progress
05:25 – Lifestyle creep and your financial ‘set point’
06:50 – Your childhood money beliefs are still in charge
08:30 – Scarcity mindset vs growth mindset (and why it matters)
10:40 – Tools to rewire your financial habits
12:00 – The self-respect transaction audit (and why it works)
13:30 – Your new money era starts now
🔗 Join the newsletter for bonus resources: https://devamsha.beehiiv.com
💌 Submit your dilemmas or feedback: info@financialhotgirl.com
🎧 Not financial advice. Financially hot advice. *This content is for educational and informational purposes only and does not constitute financial advice. I am not a financial adviser, and you should always do your own research or speak to a qualified professional before making financial decisions. Investments can go up and down in value and you may get back less than you invest. Capital is at risk.
There’s a hidden tax you’ve probably been paying for years — and it has nothing to do with tax man.
In this debut episode of The Financial Hot Girl Show, I break down the concept of the Self-Hate Tax — the quiet, compounding cost of low self-worth that stops you from building wealth, charging your worth, and backing yourself.
We’ll talk about:
• How I discovered I was paying it (hint: debt, avoidance, and undercharging)
• Why women in particular get caught in this pattern
• And how to start breaking free of it
If you’ve ever felt like you know what to do with your money but still sabotage it? This is for you.
00:00 What is the Self-Hate Tax?
01:08 My Journey
05:51 The Confidence Gap
07:37 The Confidence Gap IRL
16:42 The Hack: Building Self-Efficacy
24:55 Practical Steps to Build Confidence
29:32 Conclusion and Next Episodes
🔗 Join the newsletter for bonus resources: https://devamsha.beehiiv.com
💌 Submit your dilemmas or feedback: info@financialhotgirl.com
🎧 Not financial advice. Financially hot advice. *This content is for educational and informational purposes only and does not constitute financial advice. I am not a financial adviser, and you should always do your own research or speak to a qualified professional before making financial decisions. Investments can go up and down in value and you may get back less than you invest. Capital is at risk.
