Friday Fundamentals: The Rule of 72
Want to know how many years it will take your money to double? Use the Rule of 72. ⸻ What It Is The Rule of 72 is a shortcut that estimates how long it takes your money to double at a given interest rate (assuming compound interest). Compound interest means your interest earns interest. All you need is the interest rate. Note: The Rule of 72 is most accurate for interest rates between about 4% and 10%. ⸻ Why It Matters For Saving/Investing Use it to compare investment vehicl
3 min read
Why Waiting for a Ring Is the Worst Financial Plan
You know that woman who “married well”? The one who ended up with a man who’s wealthy — the fairy-tale lifestyle, real assets, the whole package? The one who looks like she stumbled into a storybook? Here’s the quiet part: statistically, that scenario doesn’t happen very often. Let’s talk about the math. Around 1 in 5 U.S. men (about 20–23%) earn $100,000 or more. And if you’re looking specifically at Black men, the numbers shift. Black men earn a median income of about $41,0
9 min read
Walk Away Money: Why Every Woman Needs an Exit Strategy
What would you do if you could afford to walk away from anything that doesn’t serve you? The job where your boss disrespects you in meetings. The relationship that stopped feeling right months ago. The living situation that drains your peace. What would change if money wasn’t the reason you stayed? Walk away money changes all of that. Not because you’re planning to abandon everything. But because having options changes how you move through the world. It changes how you negoti
9 min read
How Not to Go Broke Over the Holidays: Your Soft Life Survival Guide for Black Friday and Beyond
Hi lovely, Happy Thanksgiving. I hope today feels warm, grounded, and full of good food and good people. Before you slide into that delicious post-meal nap, I want to catch you for a moment — because tomorrow is the real test of your soft-life discipline. Black Friday. And listen, the way those “amazing deals” are waiting to jump you at midnight? If you’re not careful, they’ll undo a whole year of progress and drop you straight into a January full of overdraft fees, maxed-out
5 min read
When Your Money Pie Is Giving 130%… Let’s Talk
We’ve been talking about how income should be allocated — the 50/30/20 rule, needs vs. wants vs. savings, a foundational budget guideline. You’ve seen that cute little “money pie” — the 50/30/20 chart that shows how your income should be split. This is the recommended Money Mix. And I invited you to use the Money Snapshot Calculator to see your own Money Mix (find the link to the calculator below). And I already know some of my sisters are feeling some kind of way right now…
6 min read
Balance Check
Hi lovely — and no, I’m not talking about your checking account. On Monday, we talked about the Money “Girl Code” — the core concepts of financial literacy that help you use money wisely, invest and build wealth effectively, and secure your future. Cash flow, saving and investing, budgeting, debt management, insurance, and your mindset… all key pieces in building and protecting your wealth. But knowing the concepts is one thing. Understanding how your own numbers line up wit
3 min read
Money “Girl Code”
Money has rules — just like Girl Code. We all know that Girl Code is about unwritten principles that guide friendships — loyalty, respect, support. It’s a thing. But here’s something just as important: Money “Girl Code” — your relationship with your money — or as I like to call her, Money Dearest. Yes, I say Dearest because she can be very exacting about how she wants to be treated. Handle her well and respect her, and she’ll work for you. Abuse her or ignore her rules, and s
6 min read
