Centsational Women Investing: Personal Finance, Wealth & ETF Investing for European Women

byFrancesca 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 House

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Welcome to Women Investing: Investing Made Simple for European Women the money podcast for women who live anywhere in the European Continent and 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 secr...

Episodes(40 episodes)

240. Investing Delay: The "I'll Start When Things Calm Down" Excuse Costing You Over €1,000,000 (Do THIS Instead)

Send us Fan Mail"I'll start when things calm down." You've said it. Maybe you're saying it right now. This week on The Centsational Aperitivo, the team goes after that sentence and doesn't let it off easy.In this episode:We run the actual numbers on what "waiting a few years" really costs you by retirementThe gap between starting now and starting later will make you rethink every "not yet”What actually counts as "not ready" versus what's just a comfortable excuse, and why every year you wait doesn't come back, no matter what th...

Published: Sep 10, 2026Duration: 17m 36s

239. Portfolio Withdrawal Mystery: Why Her Balance Looked Untouched Months After Pulling Out Thousand

Send us Fan MailA student of us called Francesca convinced her bank had made a mistake. She'd pulled a real amount of money out of her portfolio months earlier, and when she checked her balance, it looked exactly the same. Nobody made an error, and the truth behind it is more useful than any banking glitch could ever be.You'll learn:Why a real withdrawal can seem to disappear from your balance within months, and what has to be true for that to happenThe difference between having money invested and having an actual...

Published: Sep 7, 2026Duration: 5m 19s

238. Money & Sex: Your Bank Account Is Secretly Costing You In Bed & You Never Connected THIS

Send us Fan MailThere's a tax almost nobody talks about. It doesn't show up on a bank statement. It shows up somewhere much more personal and most women paying it don't even know they're paying it.This week on Money & Martinis, all four of us pour the drinks, close the doors, and go somewhere we don't normally go on this podcast: the quiet, unspoken link between how financially dependent a woman is and what actually happens between her and her partner behind closed doors. In this episode, you'll hear us get i...

Published: Sep 3, 2026Duration: 15m 11s

237. Investing Mistake: Why Your Portfolio Made 3% While The Market Made 7% (Do THIS Before You Blame The Market)

Send us Fan MailA balanced portfolio has historically returned more than 7% a year for decades. So why do so many long-term investors end up with 2% or 3%?In this episode, we break down the real reason behind that gap. It has little to do with one dramatic decision, and a lot to do with something far more common than most investors realize.You'll learn:What a properly built 60/40 portfolio has actually returned over the long run, and how that compares to what most portfolios really captureWhy underperformance almost never comes from a...

Published: Aug 31, 2026Duration: 6m 18s

236. Financial Independence Test: If You Could Actually Afford To Leave, Would You Still Stay? The Answer Exposes Everything

Send us Fan MailNot "do you want to." Just — could you. In this episode of The Centsational Aperitivo, all four of us sit with that question and what it actually reveals underneath the words "loyalty," "patience," and "love."Because financial fear is very good at disguising itself. It can look like devotion. It can sound like commitment. And most women have never actually run the numbers to know which one they're living. This episode pulls that apart — what it really costs to have the option to leave, why almost no woman has calculated it, and...

Published: Aug 27, 2026Duration: 14m 11s

235. Portfolio Volatility: Why A "Calm" Portfolio Is The Bigger Risk (And Who's Getting Rich Off Your Fear)

Send us Fan MailEvery investor says they want a portfolio that doesn't move. This episode explains why that might be the worst thing you could ask for.We break down what's really happening every time the market swings, and why the discomfort you're trying to avoid might be the exact thing separating investors who build wealth from investors who don't.You'll learn:Why a portfolio that never moves could be a warning sign instead of a good oneWhat actually happens in the market during moments of fear and excitement, and who...

Published: Aug 24, 2026Duration: 6m 7s

234. Salary Negotiation For Women: You Weren't Rejected, You Never Actually Asked (Do THIS Before Your Next Review)

Send us Fan MailThere's a number you already know. The raise you should have asked for two years ago. The rate you keep undercharging because saying the real one out loud feels too big for your mouth. The sentence you've rehearsed in the shower and never once said to your partner, your boss, or the client who's clearly getting more of you than they're paying for.In this episode of The Ask, all four of us sit down with that number and the moment right before it gets said. Because here's the part almost...

Published: Aug 20, 2026Duration: 18m 7s

233. Investing Mistake: Why "Just Hold" Is Secretly Bleeding Your Portfolio (Do THIS Math Before You Decide)

Send us Fan MailThis is the investing mistake almost every investor makes without realizing it, and the number behind it is not what you'd expect.Everyone tells you the same thing when a stock drops: just hold, it'll come back. But in this episode, we show you the math nobody does before saying that, and why the real cost isn't the drop itself. It's something most investors never even calculate.You'll learn:The real math behind loss recovery that almost everyone gets wrong, and why the true number is bigger than...

Published: Aug 17, 2026Duration: 7m 48s

232. Investing Procrastination: Why Knowing What To Do With Your Money Still Isn't Enough To Make You Do It

Send us Fan MailYou know the move. You've known it for years. And still, every month, the money goes somewhere else, and the account you meant to open stays closed. In this episode, Francesca sits down with the full table, Melanie, Kristin, and Dagmar, to look at one of the strangest patterns in a woman's relationship with money: having the knowledge, and still standing still.The freeze that keeps you from starting the thing you already know you need to start is doing something for you, whether you can see it or not. And...

Published: Aug 13, 2026Duration: 19m 11s

231. How The Top 1% Of Investors Use SpaceX News To Predict Market Moves (And The Mistake Costing You Profits THIS Week)

Send us Fan MailSpaceX just had its best quarter yet. Somewhere on the internet, someone is taking a very public victory lap for calling it years ago.In today's Espresso, we break down the very human reason "I told you so" stories work on us even when the full picture is messier than the headline, plus the one question that separates real insight from a lucky guess with excellent timing.You'll learn:The detail missing from every "I called it" story you'll ever readWhy one right prediction feels like...

Published: Aug 10, 2026Duration: 6m 40s

230. Money & Sex: The Data Showing Why Financially Anxious Women Have Worse Sex

Send us Fan MailMartinis poured, doors closed the Centsational ladies say the quiet part out loud. There's a real number from actual research that ties two things you've never once put in the same sentence, and once you hear it, you won't be able to un-hear it.They get into why your body can't fully let go with anyone — a partner, a friend, yourself — while a part of you is still standing guard at your bank account. Why the same shame that shows up around your body shows up around money, in the exact same...

Published: Aug 6, 2026Duration: 14m 40s

229. Portfolio Risk Mistake: Why A Good Market Year Is Hiding How Badly Yours Is Actually Built

Send us Fan MailYou check your banking app. Markets are up this week, and so is your number. You feel fine. Maybe even a little proud of yourself.But fine, in a good market, doesn't tell you what you think it tells you. A rising market can hide a badly built portfolio for years. Nothing looks wrong, because almost everything looks fine when the tide is coming in. The real test only shows up later, when the tide goes out, and by then it's expensive to learn the truth.In this episode...

Published: Aug 3, 2026Duration: 3m 53s

228. Salary Negotiation For Women: Why Your 20% Raise Is Actually A Trapped Identity Keeping You Underpaid & Overworked

Send us Fan MailShe was thrilled with her 20% raise. Then a male colleague mentioned, almost in passing, that he wouldn't take a job for less than 50%.That's the moment everything cracked open and it's where this episode starts.Being excellent at your job and being paid for it are two completely different skills. The world only ever trained you in one of them. In this episode, we unpack why competence and compensation come apart for women specifically — the conditioning, the fear of "upsetting the bear," the years of being praised for being ea...

Published: Jul 30, 2026Duration: 14m 45s

227. What Is "Good Debt" — and Why Rich Women Use It on Purpose

Send us Fan MailMost of us were handed one flat rule about money as children: debt is bad. Debt is danger. Debt is the thing that ruins people. And for a lot of women, it's wrapped in something heavier than logic — shame, and the quiet belief that owing money means you failed.So we build our whole financial identity around avoiding it. It feels responsible. But in this Espresso, Francesca gently makes the case that running from debt entirely isn't sophistication — it's fear wearing a nice coat. And it's costing you more than you thin...

Published: Jul 27, 2026Duration: 8m 49s

226. Building An Investing 'F-You Fund' Is Controlling Your Entire Life: Do THIS To Stop Bleeding Cash Before You Quit

Send us Fan MailYour grandmother's generation had a name for it and they kept it a secret, tucked in a drawer. In this episode of the Centsational Aperitivo, we're pouring a slightly spicier glass and talking about something almost no one teaches women directly: the money that is entirely yours.It goes by many names running away money, freedom money, peace-of-mind money. But it has almost nothing to do with running away. It's not about a dramatic exit or a relationship gone wrong. You can be happy in your marriage, your home, your job...

Published: Jul 23, 2026Duration: 16m 7s

225. Investing Mistake: Why Chasing "Hot" Stocks Is Just Texting The Ex Who Only Wants You Back Now That You've Moved On

Send us Fan MailThere's a moment almost every woman knows. It's late, you're on your phone, and a stock — a sector, a "theme" — keeps coming up. The chart is going up and up, someone you know apparently made a lot, and something in your chest does a little flip. Everyone's getting this except me. I'm late. I should do something.In this episode of Centsational Women Investing, we sit with that flip — and why it has quietly cost smart, capable women more money than any market crash ever has. Because the hard part of invest...

Published: Jul 20, 2026Duration: 12m 56s

224. Luxury Spending Mistake: The Birkin Test That Reveals If You're Buying Status Or Building Wealth

Send us Fan MailIn this episode, we pour the martinis and ask the one question that quietly separates a real investment from an expensive way to feel important: would you buy this thing if you could never show it to anyone or tell anyone about it?In this episode:The question that reveals whether you're buying the object or buying your own statusBought status vs. earned status — and why one disappears while the other can never be taken from youWhat the Birkin "14% a year" claim leaves out (and who's really making that math wo...

Published: Jul 16, 2026Duration: 23m 29s

223. Global Economy Shift: The World Just Stopped Chasing Cheap Workers — What It's Chasing Now Will Change Your Portfolio

Send us Fan MailFor 40 years, the entire global economy has run on one simple rule. A humanoid robot working full shifts on a factory floor just started to break it and almost nobody is explaining what it means.In this Espresso & the Economy, we unpack one of the deepest currents moving markets right now.In about eight minutes, you'll get:The single rule that has run global trade for 40 years and why it's cracking nowThe strange new question the whole world is starting to ask instead (yes, it involves robots)Why...

Published: Jul 13, 2026Duration: 10m 15s

222. Salary Negotiation For Women: Why Asking For More Teaches Your Boss How To Treat You (Do THIS Before Your Next Ask)

Send us Fan MailSomewhere in a sunlit café in Paris, the four of us leaned in to talk about the one thing most women would rather avoid entirely: asking for more money.Because here's the truth we kept coming back to — you teach people how to treat you. Including your boss.We cover:Why your voice goes tight and your breath goes shallow the moment you have to ask The hidden belief underneath the fear Why the first "no" is a test and the mindset shift...

Published: Jul 9, 2026Duration: 15m 35s

221. European Investing Mistake: The Cozy Money Habit Costing Women A Fortune — Fix THIS Before It's Too Late

Send us Fan MailYour friend at dinner says it with total confidence: "I only invest in Europe I like to keep my money where I understand it." Everyone nods. It sounds wise. It sounds grounded :) It's also costing her.In this Espresso shot, Francesca unpacks why the American market keeps sprinting while Europe jogs in plain language, no economics degree required.This is the difference between women who read about investing and women who actually become investors.Familiar is a feeling. Diversified is a decision.🎧 Ready to build a c...

Published: Jul 6, 2026Duration: 9m 18s