Nobody taught you these 4 life skills, and that's not on you. It's crazy to me that you can go to school for 18+ years and still have no idea how to feed yourself, read a pay stub, or have an uncomfortable conversation without spiraling. So, today I'm breaking down those 4 life skills, realistically, so you can stop feeling like you're faking your way through "adulting."
Topics covered:
ππ» How to actually feed yourself (without needing to be crazy good at cooking) and the 3-2-1 grocery method
ππ» The financial basics everyone needs & why tracking your expenses is non-negotiable
ππ» How to communicate clearly - saying what you mean the first time, addressing problems before they blow up, and knowing how to apologize!!
ππ» Managing the life admin nobody warns you about - and why your brain is not supposed to be your filing system
Referenced in this episode:
ππ» How to Be More Confident Spending Time Alone | 5 Things That Changed How I Think About Loneliness β https://youtu.be/jSORRO2r-4w
ππ» 134. My Food Philosophy: How My Approach to Eating has Evolved, Grocery Budgets, & Eating Healthy β https://youtu.be/GgFW41OXxHo
ππ» The Cleaning System That Keeps My Apartment Spotless in 24/7 Without Constant Resets β https://youtu.be/UTAW61va4Kc
ππ» My book, Own Your Money β https://breakyourbudget.com/own-your-money
ππ» Whatβs in My Wallet 2025: Credit Cards That Actually Pay Me Back + How to Choose the Right One β https://youtu.be/NJRxeBiYuNA
ππ» How to Start Managing Your Money | 6 Steps for Complete Beginners β https://youtu.be/fIykr3rksA4
ππ» 161. How to Plan Your Week So You Donβt Feel Overwhelmed | My 60 Minute Sunday System β https://youtu.be/QEcDDxqLW0g
ππ» 146. How to Stop Feeling Overwhelmed by Everyday Life | Manage "Life Admin" & Reduce the Mental Load β https://youtu.be/1KoD6wFB7G0
GET THE NEW PRODUCTIVITY PLANNER!
ππ» https://breakyourbudget.com/productivity-planner
Subscribe to the Beyond Your Budget Substack:
https://breakyourbudget.substack.com/
Personal Finance Starter Kit:
https://breakyourbudget.substack.com/p/your-personal-finance-starter-kit
BREAK YOUR BUDGET RESOURCES:
πΈ Personal Finance Dashboard:
https://breakyourbudget.com/personal-finance-dashboard
πΈ Basic Budgeting Template:
https://breakyourbudget.com/basic-budgeting-template
πΈ FI/RE Template:
https://breakyourbudget.com/fire-template
πΈ Rent vs. Buy Calculator:
https://breakyourbudget.com/rent-vs-buy-calculator
π³ TOOLS I USE:
πΈ Rakuten Cash Back (cash back on purchases you're already making): https://shorturl.at/w0PcH
πΈ SoFi HYSA (my fave high yield savings account): https://secure.money.com/pr/pa5344bfc4f2
πΈ Classpass (try it for a discounted first month): https://classpass.com/refer/UKLV6BN026
π MY BOOKS:
πΈ Own Your Money:
https://breakyourbudget.com/own-your-money
πΈ Own Your Career:
https://breakyourbudget.com/oyc-book
All Other Resources:
https://breakyourbudget.com/links
π©πΌβπ» Inquiries: michela@breakyourbudget.com
πΈ Instagram (Break Your Budget): https://www.instagram.com/breakyourbudget/
πΈ Instagram (Personal): https://www.instagram.com/michela_alloccaa
π² TikTok: https://www.tiktok.com/@breakyourbudget
πΈ My ShopMy: https://shopmy.us/shop/michelaallocca
TIMESTAMPS:
00:00 β Why school teaches you the Pythagorean theorem but not how to read a pay stub
09:41 β The 4 life skills I think actually matter
13:34 β My actual default meals and why you need 5-10 of your own
17:22 β The 3-2-1 grocery method that I swear by
27:28 β Why a credit card is not free money, and the minimum payment is not what you should be paying
29:31 β The 4 financial accounts I think every single person needs
36:39 β The communication skill that will change every relationship in your life
40:41 β Why I used to take all feedback personally and how I learned to separate criticism from someone just being an asshole
42:53 β How to ACTUALLY apologize
50:41 β Why I use recurring reminders for everything