Okay, let’s get one thing straight: I’m not here to tell you to quit avocado toast. ☕️ In fact, I’m sipping a $7 matcha latte while writing this. The real tea? Personal finance “gurus” love shaming women for small joys while ignoring the actual wealth blockers. Let’s flip the script and talk about building riches without the guilt trips.
💡 The Myth of Deprivation Economics
I used to track every Starbucks run like a detective, convinced my “frivolous spending” was why I couldn’t afford a down payment. Then I crunched the numbers: skipping lattes for a decade would’ve saved me $20k. Meanwhile, my male coworker negotiated a $25k salary bump in one conversation. 📊 The problem isn’t our $5 treats—it’s systemic gaps in pay, investing literacy, and access to capital.
🛠️ Wealth Hack: Automate Your “Fck Off Fund”
Here’s what changed my life: I set up two bank accounts. One pays bills; the other’s my untouchable wealth-building machine. Every paycheck, 20% vanishes into ETFs (fancy term for “diverse stocks”) before I even see it. It’s like financial witchcraft—I’m $38k richer in 3 years without “trying.”
📈 Why Women Underestimate Compound Interest
My grandma called stocks “gambling.” My mom hoarded cash in 0.01% savings accounts. Me? I’m team let-my-money-snore-until-it’s-rich. If you invest $500/month at 7% return (historically conservative):
– 10 years: $86k
– 20 years: $260k
– 30 years: $679k
That’s the power of starting early and ignoring the noise.
🔥 The Silent Wealth Killer No One Talks About
Emotional spending? Sure. But bigger saboteur: financial dysmorphia. We either obsess over budgets like Excel zombies or avoid money talks entirely. I fixed this by “dating” my finances—weekly 15-minute check-ins with wine and a spreadsheet. Turns out, knowing your net worth is weirdly empowering.
🌱 Passive Income Isn’t Just for Tech Bros
My side hustle? Owning a slice of farmland through a REIT app. I earn $120/month from literal dirt while binge-watching Netflix. 💅 Modern tools let us build assets without quitting our jobs:
– Robo-advisors (set-and-forget investing)
– Micro-investing apps (round up purchases)
– Peer lending (be the bank)
💔 Breaking Up with Toxic Money Mindsets
“Rich people are greedy.” “I’m bad with numbers.” Sound familiar? I hired a financial therapist (yes, that’s a thing) to unpack my scarcity mindset. Now I see money as energy—not for hoarding, but for creating safety + funding my Iceland van life dreams.
🚨 Your Assignment (Yes, Now)
1. Calculate your “wealth gap” (ideal net worth vs. current)
2. Automate one investing move this week
3. Follow 3 financial educators who don’t shame lattes
The bottom line? Building wealth isn’t about perfection—it’s about consistency and reclaiming power. Your money should work as hard as YOU do. 💅 Let’s stop obsessing over coffee cups and start building empires, one conscious choice at a time.