119. When $100K Doesn’t Feel Like Enough and Work Feels Wrong: Answering Your Money & Career Questions

119. When $100K Doesn’t Feel Like Enough and Work Feels Wrong: Answering Your Money & Career Questions

In this Q+A episode, I’m answering your most-asked personal finance and career questions—covering everything from how I manage my money now that I’m self-employed, to navigating career pivots, saving for big goals, and making the most of your 20s and 30s.

Whether you're trying to build a budget that actually works, wondering how to balance saving vs. investing, or struggling to figure out your next career step—this episode has the honest, practical advice I wish I had when I was just getting started.

We’re covering both tactical money tips and deeper mindset shifts around work, worth, and building a life that feels aligned. If you’re in a season of transition or just want to feel more financially grounded, this one’s for you.


TIMESTAMPS:

00:00 – Intro: answering your personal finance & career questions00:48 – I’m 24 and feeling lost—should I pay off student loans or save first?03:45 – Any advice for paying off student loans more strategically?06:10 – Which FIRE path are you pursuing now and why?08:00 – What’s the biggest money mindset shift you’ve made lately?10:35 – I’m approaching $100K but still feel poor—what’s going on?13:00 – How did you pivot from your 9–5 into content full time?15:45 – What does the admin side of your business setup look like?18:00 – How do you negotiate a raise or promotion when there’s “no budget”?20:15 – How do you know when it’s time to pivot careers—and manage the risk?23:10 – I quit a toxic job without a backup. Any advice for staying positive?


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https://breakyourbudget.com/personal-finance-dashboard

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https://breakyourbudget.com/basic-budgeting-template

💸 NEW FI/RE Template:

https://breakyourbudget.com/fire-template

✅ Subscribe to Break Your Budget Weekly:

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📖 My Books:

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👩🏼‍💻 Task Management System + Promotion Template:

https://breakyourbudget.com/own-your-career-template

FREE DOWNLOADS:

💸 Recession Guide: https://breakyourbudget.com/recession-guide

✅ Monthly Audit Checklist: https://breakyourbudget.com/monthly-audit-checklist

✍🏻 Personal Finance Starter Kit: https://breakyourbudget.com/pf-starter-kit

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👩🏼‍💻 Inquiries: michela@breakyourbudget.com

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