Claim OwnershipInvesting Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom
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© 2025 Investing Made Simple for European and UK Women: Personal Finance, Money Mindset & Financial Literacy For Your Freedom
Description
Welcome to the money podcast for women who want to invest but have no idea where to start. Whether you’re in the EU, the UK, Switzerland, or anywhere else in Europe — you’re in the right place. We welcome everyone who calls Europe home, including expats and Americans living here! 💛
Investing is only for rich men in suits… right? LOL. Nope. Not here.
Whether you:
✨ Don’t know what a portfolio is
✨ Feel intimidated by the word “investing” and by the whole process
✨ Or secretly worry you’re “just not a money person”…
You’re in the right place.
I’m Francesca Torre and every Monday and Thursday, I break down personal finance, money mindset, and beginner investing in plain English — with zero shame, spreadsheets, or stress.
Because here’s the truth:
I didn’t grow up knowing any of this.
Even during my early years as an investment banker, I was terrified to invest my own €1,000 — despite managing millions for clients.
But that’s when I started. Slowly, awkwardly, imperfectly.
Now? I’m the founder of Centsational Women, and I’ve helped hundreds of European women grow their money with confidence — no finance degree (or spreadsheets) required.
🎙️ Inside each episode, you’ll learn how to:
✔️ Start investing from scratch — no jargon
✔️ Understand where your money is (and where it should be)
✔️ Build long-term wealth in a way that feels empowering, not overwhelming
So if you’ve ever thought:
“I’m too behind…”
“I’m bad with numbers…”
“Investing isn’t for someone like me…”
Press play — and get ready to prove yourself wrong.
We’ll prove you wrong (and you’ll thank us later).
🎧 Ready to take the first step?
Join my free investing workshop, made for women in Europe who are ready to stop Googling and start growing.
👉 👉 Click HERE to save your spot instantly
Legal disclaimer
Content on this podcast is for educational purposes only and not financial advice. The content hereby broadcast does not include any personalized investment advice nor any recommendation. Likewise, the content is not aimed at the remote promotion or distribution of financial products or investment services. Views expressed are personal opinions. Investing involves risks. Perform your own research. Please refer to our Terms & Conditions on our website.
150 Episodes
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What no one tells you about leaving a stable job? The scariest part isn’t quitting. It’s the in-between — that messy middle where you’re rebuilding your income, your confidence, and your identity all at once. You’ll discover: • How she turned fear into financial structure when there was no Plan B • The simple automation that quietly rebuilt her wealth • And the mindset shift that helped her redefine success — on her own terms If you’ve ever felt stuck between who you were and who you’re becom...
You’ve seen them: The YouTube “experts” promising passive income with one ETF. The Instagram reels that say “This is the investment you need.” The flashy “money coaches” selling €297 blueprints to financial freedom. You’ll learn: • The subtle difference between education and manipulation • Why “it worked for me” is not a strategy — it’s a story • And how to protect your money (and your confidence) from hype disguised as help Listen now — your future self will thank you. 🔥 Start Here Free Inve...
Ever get hit by a confidence hangover after scrolling Instagram? In this episode, Francesca unpacks what’s really hiding behind the polished feeds — and how comparison quietly drains your confidence, your focus, and even your financial decisions. You’ll learn: • Why the women who look rich often aren’t the ones who are • How the “confidence hangover” stops you from taking action with money • The simple shift that rebuilds self-trust — no filters, no flexing, no shame Because she’s not richer ...
Ever found yourself staring at the ceiling at 2am, doing mental math about your bank account? You’re not alone. In this episode, Francesca breaks down what risk tolerance really means — and why it has nothing to do with being brave, smart, or “good with money.” You’ll learn: • What risk tolerance actually looks like in real life (not just on a broker quiz) • How to know your real limits — before panic-selling during a market dip • Why your ability to handle risk changes with your life, income...
What happens when the “dream job” no longer fits the life you actually want? In this powerful episode, Francesca shares the story of how she walked away from stability, fear, and a fixed paycheck — and built freedom instead. You’ll hear: • The exact habits that made her leap possible • What became her safety net — and her launchpad • Why freedom isn’t luck or timing… If you’ve ever wondered what it really takes to move from fear to financial independence, this episode is your roadmap — honest...
If someone handed you €10,000 today and said “invest it” — would you know what to do? In this episode, you’ll discover: • What “asset allocation” actually means (in plain English) • Why it’s the #1 factor that determines your long-term investing success • How to find your ideal mix — even if you’re just starting with €50 a month If investing has ever felt confusing or intimidating, this episode will finally make it click. 🔥 Start Here: Tools & Freebies to Grow Your Money Faster (Everythin...
Ever scrolled Instagram and felt like everyone else is richer than you? In this episode, you’ll hear: • Why looking rich online isn’t the same as being wealthy in real life • The quiet truth about what real financial freedom actually looks like • The hidden emotional cost of believing the Instagram illusion If you’ve ever felt “behind” because your life doesn’t look like a feed, this episode will change the way you see wealth — and yourself. Listen now! 🔥 Start Here: Tools & Freebies to ...
This is Part 6 of our series Don’t Take American Investment Advice If You Live in Europe. And today, we’re landing the plane. In this episode, you’ll hear: • Why U.S. investing advice isn’t “wrong” — but isn’t built for you • How copy-pasting it into your European reality can cost you thousands • The real roadmap every European investor needs to grow wealth with confidence If you’ve ever felt lost trying to “translate” American investing tips into your life, this episode will give you the cla...
What if the difference between struggling and thriving came down to just 3 questions? Sounds crazy, right? But one groundbreaking study showed that answering them correctly could raise your income and save billions for society. In this episode, you’ll hear: • The 3 basic money questions that predict real-life wealth outcomes • Why teaching financial literacy in schools could be the highest-return investment ever • The surprising groups who benefit the most when money knowle...
No American finance YouTuber will tell you: Europe has its own tax-advantaged accounts — and learning to use them is one of the smartest wealth moves you can make. In this episode (Part 5 of Don’t Take American Investment Advice If You Live in Europe), you’ll discover: • Why Roth IRAs, 401(k)s & HSAs don’t apply to Europeans at all • The European equivalents that let your money grow tax-smart • Why understanding your country’s rules is the real shortcut to building wealth If you’ve ever f...
What happens when the job you built your whole identity around suddenly feels impossible to reconcile with the life you want as a mother? In this new series, I share the story I’ve never told in full before: the breaking point that led me to walk away from a stable, prestigious job after maternity leave — with no Plan B. You’ll hear: • The exact moment I knew I couldn’t stay • The financial fears that almost kept me stuck • And why leaving what looked “safe” was actually the riskiest, bravest...
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...
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...
“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...
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...
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...
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. In this episode, you’ll learn: Why waiting until you “have enough” to learn about investing is the most expensive money myth.How to avoid unnecessary reliance on high-fee financial advisors (and save €30k+ over time).The mindset shift th...
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...
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...
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...
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