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Michela Allocca    

Creator & Entrepreneur, CEO of Break Your Budget; Author of “Own Your Money” & “Own Your Career”

After a few years of working in finance, Michela Allocca noticed her friends, family, and colleagues were approaching her with questions about common personal finance concepts. Whether it be how to open a 401k, create a budget, or even which account types to open, she became their go-to resource for learning more about financial practices. Allocca realized that something she had always been so passionate about was something that so many people struggled to figure out and apply in their lives. This is where Break Your Budget was born.

Allocca started Break Your Budget as a spending diary to hold herself accountable to her financial goals while showcasing the day-to-day financial decisions she made as a young professional.

Ultimately, Break Your Budget blossomed into so much more than that. It became a platform to teach, help, and inspire others—just like herself, her friends, and her colleagues—how to navigate that weird time after college when you're still figuring out how to manage a salary in a way that allows you to live your life and reach your goals.

A few years later, Break Your Budget has ballooned into a community of nearly 1 million people across the globe looking to manage their money, find happiness in their careers, and regain their financial power.

Speech Topics


Budgeting Basics: Building a Financial Foundation in Your 20s and Beyond

Budgeting gets a bad reputation. Most of us associated the “B” word with restriction, turning down plans, and eating ramen for dinner 5 nights a week. It doesn’t need to be this way; a budget should do the exact opposite when created correctly. Most adults are not taught how to manage their money, and my mission is to help young professionals regain their financial power by learning practical budgeting strategies, improving their spending habits, and creating systems for long-term success.

What we cover:

  • My signature budgeting method, the zero-based 3-bucket budget
  • Setting financial goals the right way
  • Spending guidelines and how to learn to spend on the things you love
  • Financial routines and creating systems for long-term success.

Your Dream Job Doesn’t Exist

Throughout our entire lives up until we enter the working world, we are fed a lie: Work hard and you’ll eventually find your dream job. If you pursue your passion, you’ll never work a day in your life. The sad reality is for most people, this isn’t true - and it leads to a vast majority of workers feeling lost and unfulfilled at work. It doesn’t have to be this way. With the right tools and strategies, you can start getting more out of your day job and redefine what success means to you.

What we cover:

  • Your definition of success: what do you want out of your career?
  • How to navigate career pivots + changes
  • Creating a task-management system to take your career to the next level
  • The most important career lessons I learned that changed the way I approach work

Speaking to Younger Generations (Gen Z and Gen Alpha) About Money

Gen Z doesn’t want to hear financial advice from boomers or millennials, and for good reason. They have grown up in an increasingly expensive world and are beginning to question the foundation of our society: What’s the point of working if we can’t afford anything? It’s a fair question, but it highlights the importance of a new wave of financial education and insight, and getting through to them is more complex than ever.

What we cover:

  • Landscape of financial brands working with creators
  • Financial brand messaging that resonates and doesn’t
  • What younger generations are struggling with the most and how to talk to them about it
  • Ways to reach Gen Z beyond simple sponsored posts

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