Shows / The Vault with Financielle
The Vault with Financielle
Welcome to The Vault with Financielle. Hosts 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.
Episodes
- The Vault with Financielle
“We cancelled the wedding and lost £16k” | The Vault Ep 137
A cancelled wedding, £16k gone and a mortgage on one income… and a really honest update from a listener we first heard from back in episode 56 ❤️ This week…
- The Vault with Financielle
I worked in luxury fashion and couldn’t afford any of it (with @EllaHewitt) | The Vault Ep136
Ella Hewitt on dropping out of uni twice, quitting her job with 17,000 followers and no brand deals, and why working in luxury fashion left her broke. 💸 Our…
- The Vault with Financielle
"I've paid my student loan for 5 years and it's grown by £15k" | The Vault Episode 135
Two paydays until Christmas 😱 Consider this your sign to start a sinking fund if you haven’t already 👀 Get your Christmas sinking fund guide here 🎄 This week…
- The Vault with Financielle
"My 90-year-old grandad offered me £14k for a house — is it wrong to say yes?” | The Vault Ep 134
Two house deposit dilemmas this week… and both come with a big side of guilt 👀 This week, we're diving into these money dilemmas: 💸 "My 90-Year-Old Grandad…
- The Vault with Financielle
"First he asked me for a loan. Then he asked me to be his guarantor.” | The Vault Episode 133
Some dilemmas make you want to shout at your phone… this is one of them 👀 This week, we're diving into these money dilemmas: 💸 "First He Asked Me for a Loan…
- The Vault with Financielle
"I earn £90k and have £87k saved — so why am I terrified to spend it?” | The Vault Episode 132
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…
- The Vault with Financielle
"I turned 40, I'm £17k in debt, and I'm done using credit for good” | The Vault Episode 131
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 🎙️…
- The Vault with Financielle
“I struggle to cover my basic costs” | The Vault Episode 130
"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…
- The Vault with Financielle
Age 34 with £27k debt and no pension! | The Vault Episode 129
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…
- The Vault with Financielle
“My friends can’t agree on our girls holiday budget” | The Vault Episode 128
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…
- The Vault with Financielle
"£10k saved, £4k owed... Do I clear my debt?"
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. 🤫…
- The Vault with Financielle
"I'm going into debt for my son's £400 school trip"
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…
- The Vault with Financielle
"I have $200k in my pension but only $1,300 in savings… Help"
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…
- The Vault with Financielle
"£90k debt and my husband has run out of money"
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…
- The Vault with Financielle
"I Want to Retire at 45 — Am I Delusional or Is FIRE Actually Achievable?” | The Vault Episode 127
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…
- The Vault with Financielle
"He Wants One Joint Account — I Have 10 Sinking Funds” | The Vault Episode 126
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…
- The Vault with Financielle
"I Was Gifted £50k and I'm Buying My First Home Alone” | The Vault Episode 125
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: 💸…
- The Vault with Financielle
"I Earn £50k But I Want to Take a £20k Pay Cut” | The Vault Episode 124
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…
- The Vault with Financielle
“Help! I’m inheriting £300k” | The Vault Episode 123
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…
- The Vault with Financielle
"Do we stay for the pension or leave for the life we actually want?” | The Vault Episode 122
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…
- The Vault with Financielle
"I earn £113k and I still don't know whether to rent or buy" | The Vault Episode 121
What's the first thing you cut when money gets tight? Coffee? Eating out? Nails? 👀 This week's dilemmas: 💸 "I'm 42, buying a house with my younger boyfriend —…
- The Vault with Financielle
“What's the point of saving if life can take it all away?” | The Vault Episode 120
If you won the lottery tomorrow, would you take a lump sum of cash or Set for Life? This week's dilemmas: 💸 “My dad worked his whole life just to pay for his…
- The Vault with Financielle
“I Want to Go Self-Employed — But I'm Terrified of Getting the Money Wrong” | The Vault Episode 119
We asked what you refuse to cheap out on… and Heinz, 3-ply toilet roll and a good mattress came up more than we expected 😂 This week's dilemmas: 💸 "I Want to…
- The Vault with Financielle
“My Friends Split Everything 50/50 — But We Don't All Earn the Same” | The Vault Episode 118
You told us whether you have or want a second job… and the results might surprise you 👀 This week's dilemmas hit different: 💸 "My Landlord Wants to Sell and Is…
- The Vault with Financielle
"I've Been Lying to My Partner About My Salary for Three Years” | The Vault Episode 117
We asked: what money advice would you give your younger self? Tell us in the comments! 👇 This week we're diving into two very different but very real money…
- The Vault with Financielle
"I'm Earning More Than Ever But I Have Nothing to Show for It" | The Vault Episode 116
#ad A special episode, brought to you with our friends at Compare The Market 💙 We asked about the worst lifestyle creep you'd witnessed... and the bestie who…
- The Vault with Financielle
“I’m Hiding £8,000 of Debt From My Partner…” | The Vault Episode 115
We asked your biggest money regrets… and nobody is coming out of this unscathed 😭 This week's dilemmas hit close to home: 💸 "My Partner Doesn't Know About My…
- The Vault with Financielle
“I Finally Got My Finances Together… Now I Want to Quit My Job” | The Vault Episode 114
We asked: what do you spend money on that your partner doesn't know about… and the confessions were immaculate 😭 This week we're getting into two very…
- The Vault with Financielle
"Is It Too Late to Start Investing?” | The Vault Episode 113
We asked you for your most ridiculous purchases… and the justifications did not disappoint 💀 From designer bags bought out of spite, to $96 Vegas shots, to a…
- The Vault with Financielle
“My Husband Secretly Saved Thousands… Should I Be Furious?” | The Vault Episode 112
We asked married people to share what they wish they knew before getting married… and some of these answers might change how you think about relationships and…
- The Vault with Financielle
Introducing The Vault with Financielle!
The Vault with Financielle is the safe space where we talk all things life and money, and no topics are off limits. Each week, host Lucy is joined by Laura and…
- The Vault with Financielle
“Should I Move Back to London If It Slows My Investing?” | The Vault Episode 111
“I panic when my investments go down and have even sold at a loss”… jail or no jail? 🚨 This week, we’re diving into these money dilemmas: 💸 “LISA or Pension at…
- The Vault with Financielle
“Was This My Worst Money Decision Yet?” | The Vault Episode 110
“I’ve downplayed my salary to make my friends feel more comfortable”… jail or no jail? 🚨 This week, we’re diving into these money dilemmas: 💸 “We Bought a…
- The Vault with Financielle
“Should I Use My Inheritance to Clear Debt?” | The Vault Episode 109
“I think I depend too much on my partner”… jail or no jail? 🚨 This week, we’re diving into these money dilemmas: 💸 “What Should You Do With an Extra £250 a…
- The Vault with Financielle
“Should I Leave Everything To My Partner?” (Legacy Week Special) | The Vault Episode 108
We’ve got a special episode for you as part of our Legacy Week at Financielle. This week, we’re focusing on getting your life admin sorted and making sure the…
- The Vault with Financielle
“Should we reduce our mortgage term or keep investing?” | The Vault Episode 107
Re-releasing this episode due to a technical issue with the previous upload. Everything else is the same! “My friend owes me money and seems to have forgotten…
- The Vault with Financielle
“My partner left and I’m £37,000 in credit card debt” | The Vault Episode 106
“I upgraded my phone even though my old one worked perfectly”… jail or no jail? 🚨 This week, we’re diving into these money dilemmas: 💸 “My partner left and I’m…
- The Vault with Financielle
“Should I Pay Off My High-Interest Loan First — Or Save Instead?” | The Vault Episode 105
“I booked a holiday before checking if I could actually afford it”… jail or no jail? 🚨 This week, we’re diving into these money dilemmas: 💸 “I’ve got a…
- The Vault with Financielle
“I Sacrificed My Career for Our Family — Now I’m Being Punished for It” | The Vault Episode 104
This week, we’re diving into these money dilemmas: 💸 “Is it possible to have a positive breakup?” 💸 “I sacrificed my career and now I’m being punished for it”…
- The Vault with Financielle
“My Husband Earns More… So Why Am I the One in Debt?” | The Vault Episode 103
“I avoid talking about money with my partner because it’s too awkward”… jail or no jail? 🚨 This week, we’re diving into these money dilemmas: 💸 “Am I…
- The Vault with Financielle
“Debt-Free vs Moving Abroad: Which Comes First?” | The Vault Episode 102
“I compare my money journey to people online”… jail or no jail? 🚨 This week, we’re diving into these money dilemmas: 💸 “I Quit My Job… And Then They Offered Me…
- The Vault with Financielle
“Should I Sacrifice My Mental Health to Save Money?” | The Vault Episode 101
“I haven’t asked for a pay rise because I feel guilty”… jail or no jail? 🚨 This week, we’re diving into these money dilemmas: 💸 “I Was Scammed Out of £4k… What…
- The Vault with Financielle
“I’m Trapped in My Overdraft After 20 Years” | The Vault Episode 100
“I keep all my money in cash because investing scares me” … jail or no jail? 🚨 This week, we’re diving into these money dilemmas: 💸 “I Have $200k in My Pension…
The Vault with Financielle"Do I Blow Three Months of Savings… or Risk Family Drama?" | The Vault Episode 99
Send us a text “My long term partner doesn’t know I have a f off fund” … jail or no jail? 🚨 This week, we’re diving into these money dilemmas: 💸 “I’m Covering…
The Vault with Financielle“My Boyfriend Used Me for £3,000… What Do I Do Now?” | The Vault Episode 98
Send us a text This week, we’re playing “Jail or No Jail” with your money confessions 👀 then diving into your dilemmas: 💸 ”I feel a credit card purchase coming…
The Vault with FinancielleUNLOCKED: Modelling Your 2026 Money Goals – Real Plans, Real Numbers
Send us a text Today, we’re turning goals into plans. In this final episode of the Unlocked series, Laura models real 2026 money goals live using real…
The Vault with FinancielleNYE Chaos: Confessions, Goals & What to Do Next With Your Money | The Vault Episode 97
Send us a text Happy new yeaaaaar! 🎆 This week, we’re playing a NYE edition of “Jail or No Jail” with your money confessions 👀 Then we chat through our…
The Vault with FinancielleUNLOCKED: Goal Setting – How to Track Your Way to a 2026 Glow Up
Send us a text We’re finally at the goal-setting part of the journey — and this isn’t about overwhelming yourself with huge targets you forget by February…
The Vault with Financielle“We’ve overspent this Christmas” & How to Reset for 2026 | The Vault Episode 96
Send us a text Ho ho ho! Here’s a special Christmas Eve episode of The Vault 🎄🎁 This week, we’re getting festive with a brand new game, “Jail or No Jail”…
The Vault with FinancielleUNLOCKED: Ready for the Year Ahead – The Most Underrated Money Habit
Send us a text UNLOCKED Week 3: Ready for the Year Ahead Last week we touched lightly on sinking funds. This week, we’re going all in because your year will…
The Vault with Financielle“Should I Use Child Benefits For My Debts?” | The Vault Episode 95
Send us a text “Debt-free status is way more important than a luxurious lifestyle” - we unpack this week’s controversial opinion, then dive into your dilemmas…
The Vault with FinancielleUNLOCKED: Reset & Rebuild – How to Create a Budget You’ll Actually Stick To
Send us a text UNLOCKED Week 2: Reset & Rebuild This week, we’re talking about the budgeting tool: the heart of your routine and the thing most people get…
The Vault with Financielle“Do I Still Need My F**k-Off Fund?” | The Vault Episode 94
Send us a text “Spending your younger years travelling is shortsighted” - we unpack this week’s controversial opinion, then dive into your dilemmas: 💸 ”Should…
The Vault with FinancielleUNLOCKED: How Looking Back at Your Money Habits Can Set You Up for Success
Send us a text Welcome to The Vault Unlocked with Laura from Financielle! We’re kicking off a five-week Unlocked series, and first up is all about…
The Vault with Financielle"I’m Scared To Move In With My New Partner" | The Vault Episode 93
Send us a text “Using a boyfriend to fund your lifestyle is embarrassing” - we unpack this week’s controversial opinion, then dive into your dilemmas: 💸 ”Is my…
The Vault with FinancielleWhere to Start with Investing | The Vault Episode 92
Send us a text #ad A special investing episode, brought to you with our friends at AJ Bell Dodl 📲🤑 The Financielle team walk you through their personal…
The Vault with Financielle"Should I Invest in my pension or property?" | The Vault Episode 91
Send us a text “30 free hours childcare is a scam” - we unpack this week’s controversial opinion, then dive into your dilemmas: 💸 ”I just won a car…” 💸 ”Should…
The Vault with Financielle“15 People to Buy For… and I’m Still Paying Off Debt” | The Vault Episode 90
Send us a text “There’s nothing wrong with saying ‘my budget’s tight this year” - we unpack this week’s controversial opinion, then dive into your dilemmas: 💸…
The Vault with Financielle“Rebuilding My Finances From Scratch After Losing My Job” | The Vault Episode 89
Send us a text “M&S are taking the piss with their £8 carrots this year” - we unpack this week’s controversial opinion, then dive into your dilemmas: 💸 ”Can I…
The Vault with FinancielleThe Debt That Rose From the Dead | The Vault Episode 88
Send us a text Happy Halloween! 🎃 “We’ve turned halloween into another reason to overspend” - we unpack this week’s controversial opinion, then dive into your…