https://www.femaleinfinance.com/blog daily 0.75 2025-02-25 https://www.femaleinfinance.com/blog/emergencyfundin2023 monthly 0.5 2025-02-25 https://www.femaleinfinance.com/blog/howtostartinvesting monthly 0.5 2023-06-06 https://www.femaleinfinance.com/blog/highfunctioningdepression monthly 0.5 2023-03-20 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/1d42e8e6-9b8b-4443-985f-2ba6a44365f6/IMG_4464.JPG Blog - How to be Successful with High Functioning Depression - There’s good news. You can be successful AND have high functioning depression. In fact, it may come as a surprise how many people surrounding you who seem to have their everything in their life perfectly in place, yet they suffer from high functioning depression – they have hypersomnia, feelings of hopelessness, difficulty concentrating, poor appetite, etc. When it comes to work though, people with HFD kick ass. They’re great with relationships, friends and coworkers usually seek their advice, and it’s a challenge to slow down, so they are great workers. As someone who has lived with this for 15 years, I can tell you, I have still been successful through it all. I have founded two six-figure businesses, I have been ranked top salesperson in multiple companies I’ve worked for across multiple states, I have generated millions of dollars for businesses, I have managed financing for multi-million dollar companies, I have been through years of chronic illnesses and injuries and have bounced back even greater. How? Probably the obsessive nature behind having HFD. When there’s something I want, I go all in. I will take the time it takes to learn something until I’m an absolute expert. I will consistently move the goal post to keep myself learning, growing, and earning. I actually find that my success working in personal finance wouldn't have happened the way it did without HFD. I’m obsessed with budgeting, managing my money, and finding ways to have my money make more money. I admit, it keeps me up at night sometimes. https://www.femaleinfinance.com/blog/hedgeagainstinflation monthly 0.5 2022-05-03 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/31f0545d-ba18-4e0d-805c-ffd23d55ae0b/Copy+of+%40theficouple+tweet.png Blog - 4 Ways to Hedge Against Inflation - Tip #4 The best tip for hedging against inflation is by investing your money. While I’m an advocate for a healthy emergency fund, hoarding excess cash right now in a savings account will cost you. Right now, cash is trash. And at this rate, if you were to keep your money in cash and not invest it, within a decade you would lose approximately 50% of your cash’s value. Let me reiterate — please do not invest your emergency fund. That money is meant to be liquid should an emergency arise. So how can you add more money to your investments? If you currently have a 401(k) with your employer, you could opt to increase your contributions. Contributing 3% per paycheck? Make it 4%, or 5%. If you don’t have a 401(k) or your current contribution will already put you at the $20,500 annual contribution limit, then you could add more money every month to your Individual Retirement Account (IRA). The limit for this account is $6,000 per year ($7,000 for those 50+). https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/36fc14ab-e877-4858-b420-7e248bde2f16/2.png Blog - 4 Ways to Hedge Against Inflation - Tip #2 Download your most recent bank statement and print it out. Highlight your monthly subscriptions and cancel the one’s you’re not using. If you’re using all of them, maybe consider which one is not providing you the most value and eliminate it. Then go through and highlight any charges that don’t bring you joy. You want your double pump, cold foam, cinnamon dolce latte with oat milk because it brings you joy? Great, keep it in the budget. I don’t even know if that’s a real drink, I just hear orders like that at the coffee shop I go to and get confused. Anyways, I’m not typically one for cutting a lot of expenses from your budget. I more so focus on the bigger wealth building variables like income. But, by visually seeing your bank statement, you’ll easily be able to identify excess spending which can make a difference during this time of inflation. Speaking of income, this leads me to the next tip. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/270ae4c3-4529-4a9b-9cba-b8340571be6c/1.png Blog - 4 Ways to Hedge Against Inflation - Tip #1 Negotiate your bills. While I realize negotiation is out of many people’s wheelhouse, it’s a skill worth embracing and taking action. When I was chronically ill, checking the mail for medical bills was painful. I knew what I was in store for. But, I likely saved over $100,000 simply by making a quick phone call and negotiating my bills one at a time. Don’t have medical bills? Negotiate your auto insurance, home insurance, disability insurance, fire insurance (in California). Negotiate your cable, internet, and phone bills. Many people also qualify for discounts on utility bills. You won’t know until you ask. Make a window of 15 minutes in your day today to make 1-2 phone calls and negotiate a couple of monthly bills you have. Show up with a little bit of leverage, and ask for what you want. The worst they can say is “no”, right? https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/58e16b4b-0ed8-4005-81ac-10fbbd3ed98e/3.jpg Blog - 4 Ways to Hedge Against Inflation - Tip #3 Ask for a raise. Easier said than done, yeah? Yeah. Not everyone can waltz into their bosses office and comfortably say, “hey, I want a raise.” Be mindful of how long you’ve been with the company, how much value you’re adding, etc. You’ll need to prove you’re an investment worth making. You’ll need ammo. Have you been taking on additional responsibilities? Have you taken the lead on projects? Have you worked overtime when the company has needed you most? Additionally, you would need to figure out how much of a raise to ask for. Yes, I’m sure you want at least 7.5% to keep up with overall inflation, but you would need to do some homework based on your position and geographic location for the minimum you can ask for. https://www.femaleinfinance.com/blog/celebratewins monthly 0.5 2022-03-07 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/cf864ffa-61d4-41c2-b4f7-08eb2e975fdb/IMG_8959.jpeg Blog - Celebrating Other People’s Money Wins Conditions You For Your Own Success I’ll never forget the day I shared how much I paid for my car in front of over 100,000 people on Instagram. I shared the price of my car solely as an example for why I made the personal decision to finance my car rather than pay cash (a common debate in the personal finance space). I was shocked at how many people responded with comments like, “you teach personal finance and then buy yourself a $60k car.” I can’t forget the number of eye roll emojis I saw that day in the comment lobby. It was disheartening because people completely missed the concept of the post which was to share the math behind that decision and the opportunity cost. And they missed it because they were upset about my purchase. Isn’t that fascinating? How could someone be mad about a purchase of mine that has no impact on their life? https://www.femaleinfinance.com/blog/frontloadretirement monthly 0.5 2022-02-27 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/e5904533-c649-4f5b-84b2-e869ee2ff830/Screen+Shot+2022-02-13+at+10.20.52+PM.png Blog - Should You Front Load Your Roth IRA? - Now, what about Jack? Jack invests $2,512 per month ($30,150/year) for a whopping 30 years. He’s maxing out his retirement accounts from ages 35-65. Typically during this age, you may have more expenses than you would from ages 25-35. You may have more expensive things like a mortgage, children, five dogs, etc. Jack ends up investing a total of $904,320 of his own money. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/dced6e4e-030a-4d46-aa80-82384f4dab38/1998_dist_5_year_sims.jpeg Blog - Should You Front Load Your Roth IRA? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/cc407074-960a-41ce-b900-94685a8a6961/Screen+Shot+2022-02-13+at+10.10.23+PM.png Blog - Should You Front Load Your Roth IRA? Let’s start with Stacy. If Stacy invests $2,512 per month ($30,150/year) for 10 years from age 25-35, she would have invested $301,440 of her own money. Remember, this means she’s maxing out her 401(k), IRA, and HSA every year for 10 years in a row. Assuming a 7% rate of return, in 10 years Stacy would have $429,682 in her retirement account. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/901b9915-00e8-4c1c-9caf-0bf29c3c03e3/Screen+Shot+2022-02-13+at+10.23.25+PM.png Blog - Should You Front Load Your Roth IRA? By the time Jack is 65, his money has grown to $2,937,665. This is also assuming a 7% rate of return. Jack invested just over 3x more money than Stacy, and still ended up with $333k less than Stacy. 30.8% of the total value of the investment is what Jack put in, and compound interest took care of the rest. That’s a lot more than Stacy, who’s total contributions were only 9.2%. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/438ee33f-0263-4b2e-a24d-29c8b528c938/Screen+Shot+2022-02-13+at+10.16.11+PM.png Blog - Should You Front Load Your Roth IRA? Stacy leaves the $429,682 in her retirement accounts and rage quits. Meaning, she no longer contributes to any of these retirement accounts until retirement (age 65). 30 years later, Stacy would be 65 and would have $3,270,849 for retirement. Holy shit, right? Can you imagine grinding for 10 years, never investing again, and retiring with $3.2M? Essentially 9.2% of the total value of the investment is what Stacy put in, and compound interest took care of the rest. By Stacy front loading (maxing out retirement accounts early in her career), she is given much more freedom with her income from ages 35-65. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/5053a9a4-f047-4e9a-b38f-3d42053e2ad3/1998_dist_1_year_sims.jpeg Blog - Should You Front Load Your Roth IRA? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/11a6fa1f-9285-4e71-96a4-c1f06f40c182/1998_dist_10_year_sims.jpeg Blog - Should You Front Load Your Roth IRA? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.femaleinfinance.com/blog/sixfiguresidehustle monthly 0.5 2022-02-14 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/b696a56a-a6b3-47d4-83e7-b780f0643fdc/IMG_8515.jpeg Blog - My Six Figure Side Hustle - Here’s an example of what my Rover profile looked like. This isn’t the full profile but what people would initially see. Rover is an app for people who want to be a dog sitter as well as for those who are looking for boarding, day care, and walks for their dogs. It takes about 20 minutes to set up a profile with your picture, what services you want to offer, pricing, your calendar of availability, your About Me, and your policies. Within about 2 hours of setting up my profile, I received a message for someone looking for day care for their dog. I may have gotten lucky, but I was also a bit strategic (are you surprised?). I went full on CIA mode. I did my research. I looked up what other people were charging in the area for all of their services, and I made my services $5 cheaper than the average rates. The goal for me was to get people to book with me for less in order to get reviews. From there, I could increase my prices as soon as people would know I’m trustworthy and haven’t lost anyone’s dog. I highly recommend doing this to get started. https://www.femaleinfinance.com/blog/capitalize monthly 0.5 2022-02-06 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/1633585196673-4TUPN1AN86A1A4FX07WN/im-374310.jpg Blog - How To: Rollover Your Old 401(k) - “The Center for Retirement Research at Boston College estimated that there are over 24 million forgotten 401(k) accounts holding $1.35 trillion in assets, and another 2.8 million accounts left behind annually.” –Gaurav Sharma https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/25df289e-a110-48b3-816b-66b450120724/Screen+Shot+2022-01-30+at+10.51.27+PM.png Blog - How To: Rollover Your Old 401(k) - Step 3: You’ll enter in an email and password for your login. If you have an existing IRA, you will enter in that information. If you don’t, Capitalize will help you create an account. Capitalize takes care of the rest! They will handle the phone calls, faxing, and everything else needed. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/1633588000921-4RCDF5HE0YGHDCL717BE/Screen+Shot+2021-10-06+at+10.21.10+PM.png Blog - How To: Rollover Your Old 401(k) https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/5081448c-b8eb-470d-82ac-93248209fed4/Screen+Shot+2022-01-30+at+10.42.33+PM.png Blog - How To: Rollover Your Old 401(k) - Step 2: You’ll choose what kind of IRA you want. You’ll select if you want a Traditional or Roth IRA, but you’ll also get to choose if you want to invest on your own (Self-Directed IRA) or if you want a Robo-Advisor. Robo-advisors charge small fees, but create great portfolios based on your current age, risk tolerance, and when you plan to retire. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/949ff1d8-fbc7-46a4-9792-a4bcbd9daa54/Screen+Shot+2022-01-30+at+10.44.09+PM.png Blog - How To: Rollover Your Old 401(k) - Step 1: You’ll want to let Capitalize know where your current 401(k) is. If you don’t know where it is, you’ll enter in your employer’s name and Capitalize will help you locate it. If you do know where it is, you’ll be able to select your provider. https://www.femaleinfinance.com/blog/maxout401k monthly 0.5 2022-01-26 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/f7d8c1eb-ff0f-4b22-804e-d2ec96aade5b/Untitled+design.png Blog - Why I Never Maxed Out My 401(k) You’ll want to look at the funds you’re invested in and find the ticker symbol. A ticker symbol is usually 3, 4, or 5 letters. For example, the ticker symbol for S&P 500 at Vanguard is VFIAX. You can type the Ticker symbol directly into Google and find something like this image here. You’ll want to identify if there is a front load fee and the expense ratio. Add ‘em up! In this example, there is no front load fee and the expense ratio is 0.04%, so 4 basis points. https://www.femaleinfinance.com/blog/whatsmineisyours monthly 0.5 2022-01-23 https://www.femaleinfinance.com/blog/investlikeagirl monthly 0.5 2022-01-15 https://www.femaleinfinance.com/blog/pokerperspective monthly 0.5 2022-01-10 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/18dc9b44-9d94-4d21-b2a7-dca87115fc1e/59634268952__21DDC0B2-15A7-457E-93D4-8583B9A105EA.jpeg Blog - It’s Not About The Cards You’re Dealt, It’s About The Hand You Play At age 17, my Mom came to America for the first time to see what it was like. It was always a dream of hers. But she needed to complete her time as a personal assistant to the General in the Israeli Defense Force for two years, and so she did. By the time she was 24 she decided she wanted to move to America. She wanted a better life for herself and to live the American dream. From what she remembers, she came to Los Angeles, California with about $1,000 and some clothes. https://www.femaleinfinance.com/blog/alignment monthly 0.5 2022-01-02 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/3d15320c-dae7-4aca-89b8-9e84d779f800/Screen+Shot+2021-12-26+at+8.31.18+PM.png Blog - How the Pandemic Has Shaken People Into Alignment - If you’ve been waiting for a sign to make changes in your life, THIS IS IT. Yes, the pandemic fucking sucked. But if you can use the struggles to redirect your life into what YOU WANT, I’m certain you’ll live a life of alignment. And living a life in alignment is what breeds happiness. https://www.femaleinfinance.com/blog/taxablebrokerage monthly 0.5 2021-12-27 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/000e8459-feba-479f-8300-f9919628aca9/Copy+of+Taxable+brokerage+account+withdrawals.png Blog - Why You Shouldn’t Underfund Your Brokerage Account - Here’s an example if you are married and retired. Stacy and her hubby have $2.7 million in investments. They plan to live off of 4% of their investments, due to the 4% safe withdrawal rule. 4% of $2.7 million is $108,000, which is what they will spend annually. The maths: The standard deduction for 2022 for married filing jointly is $25,900. In addition, the exemption on the first $83,350 in capital gains for those that are married filing jointly is 0%. This means they can withdraw up to $109,250 TAX FREE every year. Let’s say they plan to withdraw $120,000 per year. They would pay some capital gains tax when withdrawing from their brokerage account. The first $109,250 would be taxed at 0% and the remaining $10,750 would be taxed at 15% which is $1,612.50 in taxes for the entire year. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/87d2c054-619c-45ea-92b8-c9fcee86568b/Copy+of+Taxable+brokerage+account+withdrawals.png Blog - Why You Shouldn’t Underfund Your Brokerage Account - Here’s an example for anyone who is single and retired. Ana is a single lady and has $1.4M in investments. She wants to live off of 4% of her investments, due to the 4% safe withdrawal rule. 4% of $1.4M is approximately $54,000, which is what Ana spends annually. The maths: The standard deduction for 2022 is $12,950). In addition, the exemption on the first $41,675 in capital gains for single filers is 0%. This means Ana can withdraw $54,625 TAX FREE! If Ana needed to withdraw $60,000 per year, she would pay some capital gains tax when withdrawing from her brokerage account. The first $54,625 would be taxed at 0% and the remaining $5,375 would be taxed at 15% which is $806.25 in taxes for the entire year. NOT BAD. Let’s look at it if you are married and file your taxes jointly. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/e4ba4166-44f6-4add-97ca-adca74df7978/Copy+of+Taxable+brokerage+account+withdrawals.png Blog - Why You Shouldn’t Underfund Your Brokerage Account - Assuming you are fully retired, these are the total amounts you could withdraw from your taxable brokerage at 0% in 2022. These numbers will likely increase each year to stay in line with inflation. With a taxable brokerage account, if you are single and retired, you could withdraw $54,625 tax free before age 59.5. If you are married filing jointly, you could withdraw $109,250 tax free before age 59.5. The maths: Singles: Can withdraw $12,950 for the standard deduction + $41,675 is taxed at 0% long term capital gains rate. Married: Can withdraw $25,900 for the standard deduction + $83,350 is taxed at 0% long term capital gains rate. https://www.femaleinfinance.com/blog/whenisenoughmoneyenough monthly 0.5 2021-12-18 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/27b7a59d-4c13-457e-99cf-594020d31ba8/FT_18.07.26_hourlyWage_benefits.png Blog - When is Enough Money, Enough? Benefits costs are on the rise. We all feel it, especially when it comes to health insurance premiums. In fact, I really felt it when I left my job nearly 4 weeks ago and my health insurance plan became $813 per month. When I first worked for the Company 7 years ago, I was at $334 per month for the same exact plan. Do you think the increase in benefit costs plays a part in employer’s willingness to increase salaries/wages? I would assume that’s part of it. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/fe7b4041-41ed-443f-bbc2-a0bd57b38fee/FT_18.07.26_hourlyWage_adjusted.png Blog - When is Enough Money, Enough? - How have wages kept up? Well, they haven’t. When looking at this chart, it’s no wonder people are feeling throat punched. Today’s real average wage (that is, the wage after accounting for inflation) has about the same purchasing power it did 40 years ago. I won’t carry on. But it is much more challenging to achieve that freedom of not stressing about money now than it ever has been before. And I believe that feeling is what makes people feel that they don’t have “enough.” But, it could be something else. https://www.femaleinfinance.com/blog/overcomeadversity monthly 0.5 2021-12-12 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/67cf8772-ec01-42c8-a933-ab457cc733cf/1915283_375815610625_4152483_n.jpg Blog - From Bullied to Bullish: How to Overcome Adversity and Come Out on Top - Here’s where shit got real unpleasant. It was Junior year, and my friend had a Super Sweet 16 Party on a yacht. Yeah, the kind that was on MTV. What could go wrong? Well, I had a friend named Nick who was just that. A friend. He had broken up with his girlfriend, Kelsey. Yes, that’s her real name because I have no reason to hide who she is considering her trial is all over the news here. Anyways, Nick asked me to dance with him, and so we did! Nothing freaky. Strictly platonic. But Kelsey, didn’t think so. In fact, she called me a slut along with other choice words. She got her group of friends to join in and spread the rumor that I took her boyfriend from her and was the biggest slut in the entire school. Not a single school day went by after that night where I wasn’t mortified. Everyone believed Kelsey. In fact, it was “so funny” to everyone at the school that there was an entire plan for a guy to ask me to prom only for him to stand me up. And then my reflection paper for Junior year was due. I divulged everything that happened. I aggressively put pen to paper and wrote the details as to what happened that night and the rest of that year. I got a 99/100, but this time in green ink. Green felt like a silent thumbs up. No notes. No corrections. How did my teacher not pay attention that I was spewing my pain out on this paper and was asking for help? Senior year rolled around and I went through the same pain. This time I didn’t go to prom. But I wrote the same reflection paper. Again, a 99/100. This last time, in black ink. Black felt cold. The color of the ink changed but the message was the same— no one was listening. https://www.femaleinfinance.com/blog/healthinsurance monthly 0.5 2021-12-05 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/3b3666a5-4bf4-42f5-95c5-12e15b9ffd43/Copy+of+Health+Insurance.png Blog - Open Enrollment for Health Insurance: Choose Your Health Plan Wisely - EXAMPLE: Looking at the example, you may be wondering for the $20,000 April Fool’s joke gone wrong emergency, why only $14,000 counts towards your out-of-pocket expenses and not all $20,000. The out-of-pocket expenses amount ($1,500) you are trying to hit, are the ELIGIBLE health expenses covered by your plan. The whole amount is not always covered, just the APPROVED amount. Example: You go to the Emergency Room and X-rays, blood labs, and care are all eligible expenses under your plan. The hospital then bills your insurance $20,000. You’ll then receive an Explanation of Benefits for that visit from insurance. On your Explanation of Benefits, it will show the limit “allowable” for that service as being only $14,000 (could be more or less). So the 10% coinsurance of that $14,000 is what will get applied to your deductible. That means $6,000 did not get accounted for and the hospital takes it as a write off. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/b7d15c0a-0cd5-4a8b-853e-2b9e598e82c5/Copy+of+Health+Insurance.png Blog - Open Enrollment for Health Insurance: Choose Your Health Plan Wisely - Everyone’s health care plans are all very different. Health care plans are so bamboozling that it is literally like trying to learn a new language backwards, upside down, and in cursive wingdings font. Almost impossible. So let’s keep it simple and start with some basic definitions, shall we? Below are some definitions to know: https://www.femaleinfinance.com/blog/pursuittofi monthly 0.5 2021-11-27 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/57feb276-8058-4ac7-852f-7655f144e04d/hedonic-treadmill-powerpoint-template-1.png Blog - Why You Shouldn’t Make Extreme Sacrifices on your Pursuit to FI - Make it stand out Hedonic Treadmill Theory https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/9e30bbb0-563e-4049-b866-fa074f10eae5/477BCB2F00000578-0-image-m-4_1513815067850.jpg Blog - Why You Shouldn’t Make Extreme Sacrifices on your Pursuit to FI - Saving money became an obsession. And my life became nothing but deprivation. I deprived myself of anything fun, because I was obsessed with chucking stacks of money into the stock market. In fact, I didn’t understand why no one else around me was doing the same. While my investment accounts made me feel like a butt-naked Cardi B in piles of cash, I was listening to Lonely Girl by Pink upside down on my couch. https://www.femaleinfinance.com/blog/emergencyfund monthly 0.5 2021-11-21 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/da2cec5f-501a-4fc8-8ec1-30d277c34552/2.png Blog - Should You Invest Your Emergency Fund? - Option 2: Invest half of my money in a taxable brokerage, and leave half in a high yield savings account By savings $15,000 in a high yield savings account, I am basically earning jack shit. And that’s fine. With 0.5% interest, in 5 years, my money would grow to $15,379 (not accounting for inflation). And because of taxes, I’d pay $91 of that $379 gain back to Uncle Sam, which is approximately the same cost as Hulu with ads ($8). That means in 5 years, my high yield savings would earn me $288, but still lose purchasing power. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/010cac38-3a95-4729-85d7-bf0c2327eca4/Copy+of+Copy+of+Blog+Cover+Teach+Your+Kids+Personal+Finance.png Blog - Should You Invest Your Emergency Fund? - Make it stand out Source: IRS https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/4db75aa7-09c8-4d16-a011-0f62223cdc19/1.png Blog - Should You Invest Your Emergency Fund? - Option 1: Put all of my Emergency Fund in a High Yield Savings Account I calculated that if I left $30,000 in a high yield savings account earning a pathetic 0.5% interest, that in 5 years my $30,000 would become $30,758. And that’s not even accounting for inflation. Earnings in a high yield savings account are reported as income. Therefore, they are also taxed as such. Given that my marginal tax rate at the time of this calculation was 24%, I would have paid $182 total in taxes over 5 years, which is approximately $36 per year. Therefore, my true net gain (still not accounting for inflation) was $576. NOT GREAT. https://www.femaleinfinance.com/blog/neurolinguisticprogramming monthly 0.5 2021-11-14 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/7a2ee919-1846-4f91-ba3f-2312973c38ad/IMG_6624.jpeg Blog - Money & Neuro-Linguistic Programming - Let me give you some credence I grew up very poor. My Dad (not sure if that deserves a capital “D”), left when I was three years old. He stole our family car (under my mother’s name), racked up credit card debt (under my mother’s name), and wound up homeless. My Mom (deserves the capital “M” with a crown) was an immigrant to the U.S., and unfortunately, she ended up filing bankruptcy, not once, but twice. She didn’t speak English very well to get a job, so she cleaned neighbor’s homes. We had weekly garage sales to put food on the table. The hustle never stopped. Things didn’t get better for a long time. Until they did. My Mom is a great example of someone who knew she deserved to be financially independent. She had every reason to believe that she didn’t. But rather than focusing on what she didn’t have, or being resentful for where she was, she made the conscious decision to not only be a Super Mom, but also a debt free, financially independent woman. And that she is. Abundance is not what she had, but it was her state of mind. Her language and mindset around money not only got her to where she is today, but it subsequently gave me an abundance mentality too. Living in poverty, it’s easier to form a Depression era mentality. From there breeds the unconscious limiting beliefs that you will always struggle financially. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/aa0d3d82-2d4b-424b-aa02-f77dbfd090a1/Neuro+Linguistic+Programming.png Blog - Money & Neuro-Linguistic Programming - LeAnDrA, how do I audit my mindset? Bring awareness to the core beliefs you have around money. Maybe you’re uncomfortable talking about it. Maybe you think money is evil, money is sacrifice, money is bad, money requires too much work, money is scarce, money is greed, money is hard to get, money is stressful. Do you think the wealthiest 1% had these core beliefs around money? Maybe at some point. But their language & mindset around money had to pivot at some point for them to become wealthy. https://www.femaleinfinance.com/blog/backdoorrothira monthly 0.5 2021-11-04 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/1635736353377-0QRWNHP2HAKC3U8WSZWB/Screen+Shot+2021-10-31+at+6.49.55+PM.png Blog - How To Setup a Backdoor Roth IRA - Fairly straight forward but, look at your filing status, choose your modified adjusted gross income, and then you’ll know how much you can contribute. So what are the limits for an IRA? If you are under the age of 50, you can contribute up to $6,000 max per year in an IRA. If you are 50+. You can contribute $7,000 max per year in an IRA as long as you are within these income limits. bUt LeAnDrA, wHaT aBoUt tHe pHaSe oUtS? I got you. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/1635740023514-QEZFOGZT6F6USGJC1DFC/Copy+of+Late+to+the+game+v+2.png Blog - How To Setup a Backdoor Roth IRA - In order to complete a backdoor Roth IRA you need these simple steps (to the left), some WiFi, and 10 minutes of elementary administrative work. Maybe a snack. Side note: I wish they wouldn’t name the button on step 4 “Convert to Roth IRA,” as this implies that the traditional IRA is literally turning into a Roth IRA, but it’s not. Your Roth IRA and Traditional IRA will both remain open, and the funds simply roll over from the traditional IRA to the Roth IRA. Once the funds transfer to your Roth IRA, for the love of GOD please INVEST THE MONEY. You need to buy funds within the account. If you don’t your money is sitting their like cash. This is a very common mistake that I often see, and it makes doing a Backdoor Roth IRA completely pointless because your money is NOT invested if you don’t buy funds. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/1635737855997-I7YDJVKQS2YWE8LE755R/Screen+Shot+2021-10-31+at+6.51.24+PM.png Blog - How To Setup a Backdoor Roth IRA - Make it stand out These numbers are for 2021. https://www.femaleinfinance.com/blog/doesmoneybuyhappiness monthly 0.5 2021-10-29 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/3bef8b1f-10ce-439c-b86b-e8125a2d75da/IMG_3622.jpeg Blog - Does Money Buy Happiness? - This was my life, every single day, hour, minute. So, I moved states to get the care I needed. Moving states makes you lose even more connections. Now I left behind the only two people who were helping me – my mom and my brother. But I had to. I knew if I didn’t get help from a new team of doctors that I wasn’t going to survive. I made the leap, and I moved to Oregon. My new connections – doctors. I looked forward to doctor appointments because they were the only humans I was seeing and talking to. Yes – my mom flew up a lot to see me, but my doctors were the closest thing I had to consistent human connection. I looked forward to talking to my doctors. They probably thought I was the happiest person ever for how much I was struggling, but really I was just happy to talk to someone. I still had a lot of money though. https://www.femaleinfinance.com/blog/moneyuniversity monthly 0.5 2021-10-29 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/1633661394869-EA0AEPZJS6GURBZ3F3GX/Screen+Shot+2021-10-07+at+6.55.45+PM.png Blog - Teach Your Kids Personal Finance - There are eight Modules in the course. Well okay, actually there’s nine. There’s one FREE Module specifically for parents. 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This is a 24-page workbook made to follow along with the course. Get yours now for only $20. Book will be mailed to you in 1-2 weeks. Buy it HERE https://www.femaleinfinance.com/instagram daily 0.75 2021-12-18 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/5e7162e8-7204-4f17-856f-d946db749be7/Screen+Shot+2021-12-18+at+10.13.14+AM.png Instagram - I’m Leandra, founder of Female in Finance. I created this platform to help people level up their personal finance game, crush their debt, build a side hustle, and invest in the stock market. Here’s where you get started https://www.femaleinfinance.com/calculator-bundle daily 0.75 2022-03-17 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/1647527812149-PQB0K9G725A35JDXP9ZN/Debt+Calculator-min.png Calculator Bundle https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/1647527873245-ODSYIBL86UUMA24D6DC5/FIRE+Calculator-min.png Calculator Bundle https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/1647528065636-VJH1KYXQEDYQYA8QIC9A/Budget.png Calculator Bundle https://www.femaleinfinance.com/shop daily 0.75 2025-02-26 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/c5505ff6-e8a6-4914-9e14-c4bc962bcaea/Website+Piggy+Bank+to+Portfolio.png Shop - Piggy Bank to Portfolio: Investing For Your Kids This comprehensive guide breaks down investment options like 529 Plans, UTMAs/UGMAs, Custodial Roth IRAs, and Individual Brokerage Accounts in simple, easy-to-understand terms. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/e787d301-9986-4a38-bbf3-84a59ee63c0b/Calculator+Bundle+4+%281%29-min.png Shop - Calculator Bundle Get the Playing with FIRE Calculator, Debt Pay Off Calculator, and Budget Template all in one! https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/c6c8ed0f-6885-4a5c-ae16-946de3aa414c/Debt+Calculator-min.jpg Shop - Debt Pay Off Calculator Find out the exact month and year each debt can be paid off, and ultimately when you will be 100% debt free! https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/e64d245d-0430-4adb-aac0-d33e161ca6b2/FIRE+Calculator-min.jpg Shop - Playing with FIRE Calculator™ The ULTIMATE calculator to determine when you could waltz into your bosses office, put in your two weeks, and become financially independent & retire early. https://www.femaleinfinance.com/debt-pay-off-calculator daily 0.75 2022-03-26 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/30f31939-5271-4535-b0cc-5f5df7ad7b78/FF+4.jpg Debt Pay Off Calculator - Paying off debt can seem overwhelming until you have a PLAN! This debt pay off calculator will help you figure out when you can pay off all of your debt, including the month and year for each debt. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/c2660ac0-e4b9-4ae2-b7e5-b59f6ef27fb5/FF+2.jpg Debt Pay Off Calculator - Pick the best way to pay off your debt You’ll be able to switch the Calculator from the Debt Snowball Method to the Debt Avalanche Method and see total interest paid for each, as well as the month/year when you would pay off all of your debt. You’ll even get to compare it to the Debt Flood Method and figure out which way works best for you. https://www.femaleinfinance.com/playing-with-fire-calculator daily 0.75 2022-03-30 https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/46af1153-afd3-4ad1-9a70-08d729f5af92/haute-stock-photography-subscription-earthy-green-collection-final-22.jpg Playing with FIRE Calculator™ - How does that work? According to the Trinity Study from 1998, three professors studied an attempt to determine the “safe withdrawal rate” from your investment portfolios. What they discovered was that by withdrawing 4% of your investments per year, the remaining funds would still grow in the stock market in subsequent years. As the consumer price index (CPI) increases, so would your investments to keep up with cost of living. https://images.squarespace-cdn.com/content/v1/608308a376f2e50e013293c3/5a2a1ed4-00e1-4c0a-a847-acf85ab426e8/FF+3.jpg Playing with FIRE Calculator™ - This is unlike any FIRE Calculator you will ever find. How much do you need in your investment account in order to walk away from your job FOR GOOD? The classic way to calculate your financial independence number isn’t super helpful unless you’re planning to retire within a few years. 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