162: The Dangers of Credit Card Debt (and a tool that can help) with the CEO of Sequin, Vrinda Gupta
The Overcoming Overspending Podcast
Release Date: 08/08/2024
The Overcoming Overspending Podcast
That overflowing cart isn’t just stuff—it’s an attempt to buy a future version of you. In this solo episode, Paige breaks down aspirational spending: purchases you make to “become” someone you’re not (yet), why it drains your money and self-worth, and how to pivot to aligned, identity-rooted choices. In this episode, you’ll learn: How Maslow’s Hierarchy shows up in our carts (and why self-actualization gets hijacked by shopping). The self-discrepancy gap—and why overspenders feel it more intensely. The two core problems with aspirational buys The...
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Do you ever feel like you can’t trust yourself with money—or even with the promises you make to yourself? You’re not alone. In this episode of the Overcoming Overspending Podcast, I sit down with self-trust expert Emily Romero, creator of the Self-Trust Model and author of You Can Trust Yourself. Together, we unpack why self-trust is the foundation of real change—and how rebuilding it can completely transform your relationship with money, spending, and yourself. Emily shares her powerful Self-Trust Compass, a four-part framework that helps you: Get radically honest about where you...
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We’ve all made money mistakes—some small, some that feel too big to speak aloud. In this episode, we’re tackling one of the hardest but most powerful parts of your financial transformation: forgiveness. If you’ve ever felt weighed down by shame, regret, or self-judgment over past money decisions, this is the episode you didn’t know you needed. Paige breaks down: Why we’ve been conditioned to see failure as a reflection of our worth How the “money rulebook” may be keeping you stuck A reframe that turns financial failure into feedback A powerful four-step process for...
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Hi Love! There are some exciting changes coming to the podcast that I need to make sure you're aware of. Please take the time to listen to this catch up/update so your aprised of all the changes that are launching next week! I'm excited to be back with you all next week and am looking forward to another 5 amazing years of the show! COMMUNITY SURVEY: Please take 10 minutes and fill out my community survey so I can understand you on a deeper level to continue makingn content that you find helpful and inspirational. As a thank you for filling out the survey you'll be entered to win a private...
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Grief doesn’t just show up as sadness—it shows up in your focus, your energy, your relationships… and your bank account. In this deeply compassionate episode, I’m joined by grief counselor Edie Alvarez to explore the intersection of loss and spending—and how unprocessed grief can quietly shape your financial decisions in ways you may not even realize. Whether you’ve lost a loved one, a version of your life, or even a long-held identity, this episode offers space, understanding, and strategy. Edie and I cover: What grief really is—and why it’s not just about losing people ...
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Your career isn’t just a paycheck, it’s a reflection of your identity, your values, and your power. In this episode, I’m joined by Certified Career Coach Meghan McCaffery to talk about one of the most pivotal (and paralyzing) questions we can face on our wealth building journies: What do I do when I know this job isn’t it, but I don’t know what’s next? If you’ve been feeling stuck, misaligned, or quietly spiraling at work, this conversation will help you reconnect to your purpose, your confidence, and your next move. Inside the episode, we cover: The biggest mindset blocks...
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You’ve heard the warnings about overspending. But what if the real block to your wealth is… not spending enough? In this episode, I’m joined by Michela Allocca, the founder of Break Your Budget, to explore something rarely talked about in the financial world: the art of splurging. We dive deep into how spending more in the areas that light you up and less in the ones that you don’t isn't reckless, it's strategic. Inside the episode with Michela, we cover: How she shifted from chronic underspending to a relationship with money rooted in trust, pleasure, and abundance....
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If you’ve been carrying the weight of debt—quietly, shamefully, and alone—this episode is your invitation to lay it down and start fresh. In this detailed and empowering conversation, I sit down with Leslie Tayne, an attorney and the auhtor of Life & Debt. Leslie has spent over 20 years helping people shift their mindset around debt and she believes debt doesn’t have to be a source of shame but something we can manage with confidence. Together, we unpack the truth about debt—not as a moral failure, but as a solvable piece of your wealth-building journey. Inside the...
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If you’ve ever felt like you “should be further along by now” but can’t quite figure out why you keep spiraling back into the same patterns—this episode is for you. In today’s conversation, we’re unpacking four sneaky stories that high-achieving women like you unknowingly carry—stories that keep your life, your money, and your potential small and stagnant. These aren’t just passing thoughts.They are power sentences that are driving the results you're able to create with your money and elsewhere. It's the self-talk that quietly drives your choices, your bank account,...
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If you’ve ever found yourself with a closet full of clothes and nothing to wear—or wondering why your latest haul still leaves you feeling unsatisfied—this episode is for you. This week on the podcast I'm joined by Christina Mychas, a second-time guest on the show and the founder of Minimalist-ish. Christina is a , author, wardrobe stylist and pharmacist who specializes in exploring the intersection between intentional living, intentional spending and intentional personal style. In this conversation, Christina and I explore the deeper layers of personal style, spending, and identity...
info_outlineHave you gotten yourself into financial trouble in the past becuase of over extending yourself using a credit card? If you have, you're not alone. Knowing how to use credit cards as a beneficial tool is a game (that many of us are never taught), and each of us needs to determine if we know the rules to the credit card game and if we feel like we can follow the rules well to win the game. For some people, credit cards (when used well) can be an amazing tool to build credit and score cash back, miles, travel perks, and purchase protection. For others, credit cards are more of a temptation and cause more financial damage than any perks are worth.
In this week's episode of The Money Love Podcast I'm diving into the deep underbelly of the credit card industry with former VISA employee turned Sequin CEO, Vrinda Gupta. Vrinda had her financial "wake up moment" when she was denied from the credit card that she helped build. She then set out on her own to create Sequin, the first of it's kind debit card designed to earn women up to 6% cashback on self-care (think gyms, beauty stores, drug stores, and more) without perpetuating a cycle of credit card debt. Most credit cards earn rewards, but can get you in a cycle of high-interest credit card debt. Debit cards, while they keep you in budget, do not typically earn rewards. Sequin is the best of the both worlds, and earns you cashback -- on a debit card! This is your own money, so you can stick with a budget without sacrificing cashback rewards. Best of all, it's founded by women, for women and you will receive a custom credit card debt payoff plan to manage credit while earning cashback.There's no monthly fees, overdrafts, or minimums, and your checking account will earn high interest.
In this conversation Paige and Vrinda talk about secrets the credit card companies don't want you to know, how credit cards are designed to keep you overspending, why it can be so tricky to get out of credit card debt once you're in it, and diving into Sequin, the debit card that Vrinda created to help women combat credit card debt for good.
Make sure that you use the links below to create your Sequin account today!
Open up your Sequin debit card HERE
Follow Vrinda on Instagram HERE
*NOTE: This is an affiliate link which means it won't cost you any extra to sign up but I may earn a commission from recommending the product to you.
Work with Paige:
ONLINE MASTERCLASS: Why smart, successful women overspend - and what really works the break the cycle
Join Overcoming Overspending HERE
Connect with Paige Online:
TikTok: @overcoming_overspending