Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

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Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

Francesca Torre (Centsational Women CEO and Founder). Inspired by voices like Oprah Winfrey, Martin Lewis, Ramit Sethi, Mel Robbins, Warren Buffett, Ray Dalio, Charlie Munger, Bill Ackman, Ray Dalio, Benjamin Graham, Peter Lynch, Brené Brown, Morgan H

137 episodes

1 day ago

Ever booked a trip in dollars, only to pay more once your bank converted it into euros? That same invisible currency swing can quietly drain your investments — and most beginners don’t even know it’s happening. This is Part 4 of our series Don’t Take American Investment Advice If You Live in Europe. You’ll discover: • How your ETF can go up while your euro balance goes down • The tool that protects your portfolio from currency swings • Why “accumulating ETFs” can be a quiet tax hack in many E...

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All content for Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom is the property of Francesca Torre (Centsational Women CEO and Founder). Inspired by voices like Oprah Winfrey, Martin Lewis, Ramit Sethi, Mel Robbins, Warren Buffett, Ray Dalio, Charlie Munger, Bill Ackman, Ray Dalio, Benjamin Graham, Peter Lynch, Brené Brown, Morgan H and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.

Ever booked a trip in dollars, only to pay more once your bank converted it into euros? That same invisible currency swing can quietly drain your investments — and most beginners don’t even know it’s happening. This is Part 4 of our series Don’t Take American Investment Advice If You Live in Europe. You’ll discover: • How your ETF can go up while your euro balance goes down • The tool that protects your portfolio from currency swings • Why “accumulating ETFs” can be a quiet tax hack in many E...

Show more...

Self-Improvement

Episodes (20/137)

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

137. The Dollar Trap: How Currency Risk Can Eat Your Returns — Don’t Take American Investment Advice (Part 4): Passive income, Financial freedom, Investing

Ever booked a trip in dollars, only to pay more once your bank converted it into euros? That same invisible currency swing can quietly drain your investments — and most beginners don’t even know it’s happening. This is Part 4 of our series Don’t Take American Investment Advice If You Live in Europe. You’ll discover: • How your ETF can go up while your euro balance goes down • The tool that protects your portfolio from currency swings • Why “accumulating ETFs” can be a quiet tax hack in many E...

1 day ago

7 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

136. A Closet Full of Clothes and Nothing to Wear? Here’s What Really Fixes It: Passive income, Financial freedom, Investing

Be honest: how many times have you stared at a closet full of clothes and thought, “I have nothing to wear”? In this episode, we mix fashion, money, and mindset to explore: • Why more stuff (or more money) doesn’t fix the problem • What “circular fashion” reveals about stress-free spending • The surprising parallel between your wardrobe and your wealth + And a 7-day challenge for your closet and wallet :) If you’ve ever thought you need more before you can start — more clothes, more cash, mor...

5 days ago

9 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

135. The S&P 500 Trap: Why 500 Companies ≠ Diversification — Don’t Take American Investment Advice (Part 3): Passive income, Financial freedom, Investing

“Just buy the S&P 500, that’s all you need.” Sounds safe, right? 500 companies, instant diversification… what could go wrong? This is Part 3 of our series Don’t Take American Investment Advice If You Live in Europe. And today we’re pulling back the curtain on one of the biggest myths in investing. You’ll discover: • If buying the S&P 500 is real diversification • How “global” ETFs are sneakily U.S.-heavy • Why building a portfolio that actually fits you takes more than one shiny...

1 week ago

8 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

134. Should You Invest in a Birkin Bag? The Truth About Luxury as an “Asset”: Passive income, Financial freedom, Investing

Is a Birkin really an investment…? What’s the truth behind the hype? And where do bags, watches, art, or wine actually fit into a real wealth-building plan? In this episode, you’ll hear: • What the Birkin phenomenon reveals about “alternative assets” • The hidden risks of turning handbags into retirement plans • The crucial difference between collecting and investing Listen now! 🔥 Start Here: Tools & Freebies to Grow Your Money Faster (Everything I wish I had when I started — yours, right...

1 week ago

8 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

133. The hidden risks of US brokerages for European investors - Don't Take American Investment Advice (part 2): Passive income, Financial freedom, Investing

Ever followed an American YouTuber, opened a broker account, and thought: “This looks global enough”? If you live in Europe, that choice could be quietly draining your money every single month. This is Part 2 of our series Don’t Take American Investment Advice if You Live in Europe. You’ll hear: • Why most U.S. brokers don’t actually work for Europeans • Why your euros keep shrinking every time they’re turned into dollars • The smarter alternatives that actually fit your reality If you’ve eve...

2 weeks ago

9 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

132. Still waiting for “enough money” before you take your finances seriously?: Passive income, Financial freedom, Investing

Ever told yourself you’ll start learning about money once you have more of it? If you've been waiting for the “right moment” to start investing or learning about money, this episode will shift everything. Spoiler: the delay is costing you more than you think. Most women feel like financial literacy is something for “later” — when they have more income, less debt, or more confidence. In this episode, you’ll learn: Why waiting until you “have enough” to learn about investing is the most e...

2 weeks ago

6 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

131. Why You Can’t Buy VOO or SPY in Europe - Don’t Take American Investment Advice (Part 1): Passive income, Financial freedom, Investing

Ever tried to buy VOO or SPY from Europe and got blocked? It’s not your broker. It’s not your tech. And it’s definitely not you. This is Part 1 of our brand-new series: Don’t Take American Investment Advice if You Live in Europe. In this first part, you’ll discover: • Why most U.S. ETFs are off-limits to Europeans • The hidden U.S. tax trap almost nobody warns you about • Where to actually look for the versions that do work in Europe Tune in now! 🔥 Start Here: Tools & Freebies to Gr...

3 weeks ago

6 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

130. Better Sex? More Orgasms? The Answer Might Surprise You: Passive income, Financial freedom, Investing

What does opening an investment account have to do with better sex? One of my students shared something so unexpected during her graduation call that the whole group went silent — then burst out laughing, blushing, and nodding. You’ll hear: • A story that proves financial power doesn’t just stay in your bank account • The surprising ripple effect of saying “this is mine” • Why claiming your money might change more than you ever imagined…even your orgasm If you’ve ever felt small — in your fin...

3 weeks ago

7 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

129. Could Your Manicure Pay for Retirement? The Simple Start to a Millionaire Mindset: Passive income, Financial freedom, Investing

What if what you spend on a manicure could grow into your future freedom? I’m not saying you have to give up self-care forever — but that same amount could be your first step to a portfolio that compounds for decades. In this episode, you’ll discover: • How €50 can kickstart your investing habit (and your confidence) • Why small beginnings protect you from emotional money mistakes later • The mindset shift that makes every euro a building block for wealth If you’ve been wai...

4 weeks ago

6 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

128. Can’t Afford Financial Education? Here’s the Price You’re Already Paying: Passive income, Financial freedom, Investing

It’s a bit like unclenching your shoulders after realizing you’ve been hunched over all day — your body goes, “Ohhh… this feels better.” When you finally understand your money, your nervous system does the same thing. In this episode, you’ll hear: • The hidden cost of waiting until you “have more” before investing in your financial education • How old money patterns can freeze your progress — and how to spot them • The simple shift that gets you moving, even if your budget feels tight right n...

1 month ago

6 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

127. How I Lost Thousands as a Beginner Investor — And The 5 Mistakes You Must Avoid: Passive income, Financial freedom, Investing

Ever wondered what the real price of beginner investing mistakes is? I’m not talking about small slip-ups — I’m talking about the kind of errors that quietly drained my returns and delayed my financial goals by years. In this episode, you’ll hear: • The five costly mistakes I made early on — and how they still affect me today • The hidden danger every new investor faces (and it’s not market volatility) • Why skipping one key step can turn your portfolio into a ticking time bomb If you want to...

1 month ago

8 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

126. When “Being Nice” Costs You: 4 Boundaries Every Woman Needs With Her Money: Passive income, Financial freedom, Investing

What if your money problems aren’t just about spending — saying yes when you mean no could be the REAL reason you're struggling financially. You keep picking up the check. You keep saying yes to the dinner, the gift, the thing you “should” do. All while your budget — and your peace — quietly suffer. This episode goes deep into a money habit no one talks about — and how it's costing you more than you think. You’ll uncover: The sneaky reason your wallet feels lighter (and it’s not what you boug...

1 month ago

7 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

125. Scared Of Your Finances? Why These 3 Numbers Are What You Need To Stop Avoiding Your Money & Start Feeling In Control: Passive income, Financial freedom, Investing

Most of us were never taught what “financial health” actually means — let alone how to check it without panic or perfection. In this episode, you’ll learn: The 3 core numbers that reveal the full picture of your finances (no math panic required)Why your net worth isn’t scary — even if it’s negativeA simple mindset shift to stop avoiding your money and start actually feeling in control Listen now and learn how to finally check your financial health — even if you’ve been avoiding it for years....

1 month ago

7 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

124. 3 Hard Money Truths Every Woman Faces After Divorce or a Relationship Break — And How To Start Over: Passive income, Financial freedom, Investing

Did you hand over the money decisions to your partner… and now find yourself starting from scratch? Maybe you thought you were just “letting him handle it.” But now the relationship is over — and you’re left without a plan, a password, or a clue where to start. You are not broken. You are not stupid. In this powerful episode, you’ll learn: Why saying “he took care of it” may have cost you more than you realizedHow to rebuild confidence with money — and start feeling abundant, capable, and in ...

1 month ago

8 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

123. 3 Clear Signs You're Ready To Start Investing (Even If You Think You're Not): Passive income, Financial freedom, Investing

Still waiting to feel ready before you start investing? Spoiler: You might already be ready — and this episode will prove it. Whether you’re still Googling “how investing works” or second-guessing your €50 impulse buys, the truth is: if you’re thinking long-term, you’re way closer than you think. In this episode, you’ll learn: Why your €50 “treat yourself” moment could be a clue you’re ready to investThe weird way Japanese retirees can teach us about starting nowHow to stop stalling and star...

1 month ago

4 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

122. Why You Still Feel Broke — Even With a Full Bank Account: Passive income, Financial freedom, Investing

Why do you still feel broke... even with money in your account? If you’ve ever hesitated to open your banking app like it’s a haunted house or claimed you're “broke” while sipping a €6 iced latte you’re not alone — and you're definitely not crazy. Let’s talk about the real reason you’re stuck in scarcity mode. In this episode, you’ll learn: The psychological reason 77% of women feel financial stress — even when they’re not brokeWhat fear-based spending really looks like How to shift from...

1 month ago

6 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

121. Confused by ETFs? Here’s What They ACTUALLY Are & Why it’s one of the most beginner-friendly tools in investing: Passive income, Financial freedom, Investing

ETF. Three letters. One big mental block. If you’ve ever read an article that said “just buy an ETF” and thought, “Cool. What the hell is that?” — this episode is for you. We’re breaking down: What an ETF actually is (salad bar analogy included 🥗)Why it’s one of the most beginner-friendly tools in investingWhether you can lose all your money when buying ETFs So if you’ve ever whispered “should I be investing in this thing I can’t even pronounce?” — this episode will give you ...

1 month ago

6 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

120. The REAL Reason You're Avoiding Looking At Your Bank Balance & How To Finally Regain Calm & ENJOY Spending Again: Passive income, Financial freedom, Investing

What if opening your bank app didn’t trigger anxiety? If the thought of checking your balance makes your chest tighten or you’ve ever avoided your finances out of fear — you’re not alone. But this isn’t about laziness or irresponsibility. It’s about how your nervous system was wired — and how to start healing. In this episode, you’ll learn: Why your fear of looking at your bank balance isn’t a weakness — it’s a learned patternThree small but powerful mindset shifts to start healin...

2 months ago

8 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

119. What Bonds ACTUALLY Are — And How They Help You Make Money (Without the Drama): Passive income, Financial freedom, Investing

If the word “bond” makes your brain fog up instantly, you’re not alone. But here’s the truth: if you’re investing (or planning to), you need to understand how bonds work—because they’re one of the core building blocks of a well-balanced portfolio. And no—this isn’t a dry finance lecture. This is the bond episode that finally makes sense. You’ll learn: What a bond actually is (in plain English—plus a lash studio analogy you won’t forget)Why bonds help your money feel more stableAnd where peopl...

2 months ago

7 minutes

Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom

118. Terrified to Invest? Same. Here’s the Real Reason You’re More Prepared Than You Realize: Passive income, Financial freedom, Investing

You keep saying: 👉 “I’ll start when I understand more.” 👉 “It’s probably too late for me.” 👉 “I’m just not a finance person.” Let’s stop right there. Because what if the fear you feel isn’t a weakness… but a sign of how seriously you’re taking your future? In this quick, no-shame episode, you’ll learn: 💛 Why feeling scared to invest is normal — and even smart 💛 How starting is more like joining a gym than you think (awkward machines included) 💛 The 4-step beginner se...

2 months ago

7 minutes