Save My Cents

Not many people share what happens in the quiet hustle before it gets loud.

This summer I've been laying the groundwork for my next era - building something new WHILE making my relationships and family my priority. This summer I regret nothing. I showed up to everything for my children. They got to experience a summer of fun in the sun. Mom was there for every minute and mom was present. DD learned to walk (finally). I built out my team with my husband's help in strategizing what is to come next. I'm seeing ab muscles for the first time now that going to the gym is second nature. I got some more clothes on fabulous sales. We had a summer of fun without the extravagance.

And in the midst of all that, I finished writing the advance reader copy of my book. I was chatting with a college friend today and I admitted to him... That I don't think writing the book was the hardest part. The hardest part is what is to come. Getting it out there. On Tuesday I will reveal the cover.

I'm doing a ton of giveaways and free classes, don't miss out! Check out my link in bio for what I have going on, or DM CHALLENGE to join in on a beginner challenge to invest and win free coaching and books from me!

Picture captions:
2 - sent in my ARC manuscript
3- DD walking practice
4- wearing thrifted clothing while out and about
5- cooking with my new gear
6- muscles
7- appearing on podcast
8, 9- taking my kids out to free fun
10- with Mr. to listen to at

This is going to be fun! Go to my link in bio or DM or Comment with the word CHALLENGE to have the sign up form sent to you.

This is sponsored solely by Save My Cents Inc.

Comment or DM with INVEST and check your DMs for a free class on investing

The audacity of Pelican Hill 👀
Most of the prices I was able to find are either direct from the wedding website, off of a wedding guide website, or photographer estimates (they know the prices well). Not all venues are transparent with pricing. Some venues don't impose a food and beverage minimum, and some do. For the ones where I don't provide much detail, the cost is just RENTING the venue, does not include anything like food, beverage, flowers decor, etc etc. Most of these weddings easily run hundreds of thousands of dollars.

Have the wedding you can afford and don't go into debt. I got married at Point Vicente Light House for a rental fee of less than $5K and food and beverage of $7K. it wasn't grand or anything, it was beautiful and I have great memories.

Having years of experience matters when it comes to teaching . Learn from one of the best. Learn from someone who does not judge where you are, and wants you to be the best that you can be ❤️

Follow
Follow
Follow

Don't be distracted by the gossip media that wants to keep us all uninformed when it comes to stuff that matters. This is the dialogue the movie SHOULD be igniting.

If you want a better life, financial freedom gets you there. It took sacrifice, but the rewards are so worth it.

Follow
Follow
Follow

The Federal Reserve mainly hopes to guide the US economy to do a few things:
👉 Keep overall inflation close to 2%
👉 Avoid a severe recession
👉 Keep unemployment low

They do this by maneuvering the federal funds rate. It is largely expected that there is likely to be a reduction in the federal funds rate mid September

# unemployment

You probably don't really need that item. Your emotions make you feel you need it. This trick really works and if after 24 hrs you decide you still want it, no one is stopping you!

This is good info to know if you have employer match or if you contribute to a SEP IRA or SIMPLE IRA!

If you get paid every other week or every week, listen up, this is for you!

It stops feeling less like a roller coaster once you have more experience. And I've got 20 years of buying and holding low cost, diversified funds. Dm or comment FREE CLASS to get a free 30 minute class on investing.

Follow

Life musings by
Entrepreneur, author, mom, and work optional.

The news might be all about this, but that does not necessarily mean a change in investing for you. The horizon (when you need your money back) is most relevant to HOW you invest.

Dm or comment with FREE CLASS to get my introductory 30 minute class for investing

I am ✨expensive ✨

Success is not due to motivation. It's due to routines and effort.

I had a mindset shift in the last few weeks where I realized, I had a high carb diet for most of my adult life because I was used to that growing up (in the 90s remember the food pyramid? It put carbs as the most essential food group at the bottom) so no wonder all my habits and routines have built up such that while I am getting stronger at the gym, changing my diet towards more protein has been more slow going.

I see it too among my coaching clients. The ones who understand that after I coach them they have to take on daily changes and routines to make personal finance a part of their every day lives - like how we think about nutrition, sleep, etc - then it works.

Every day I will try to reduce snacking, make more protein, and really leave the carb days to when I eat out, to achieve more balance.

Workouts and nutrition advice thanks to

Date your spouse.

Every few months hubby and I do an overnight trip to Los Angeles. Our kids have a sleepover with the grandparents. We usually do one or two nice meals, and use free night certificates or points to book the Intercontinental (our favorite, via the IHG credit card though this hack may no longer work soon as this hotel moves up in categories), the Beverly Hills Waldorf Astoria (dream booking, it takes a while to find an eligible night and it's booked using a free night from my Hhonors Business Amex after hitting $15K spend in a calendar year), or on occasion we've stayed at the Westin Bonaventure with Marriott points. Then we do something free or low cost like visit something historical, a museum, see a friend, or browse at a shopping center. Or we may splurge to listen to the LA Phil.

On this date..
1-2: Intercontinental
3-6: Bestia
7: Union Station
8-10: Madre Oaxacan Restaurant and Mezcaleria

Recap of June
1. DD walks!
2. Dolphins
3. Hanging with
4. Hanging with
5, 6, 7, 8: what happens when you turn 39, decide to take your nutrition seriously, and start leveling up in fitness

Same old same old. Make income, keep expenses low, save and INVEST the difference. Day in, day out, the have been doing this since our first paychecks.

When I do see "reality" shows and stuff it baffles me that this is how most people think the wealthy live.

Don't drop the ball on what matters in your life. Time is irreversible.

Follow
Follow
Follow

Keep swiping and read the whole thing. I do want you to utilize a Roth IRA but it's not where I'd start.

By who finished saving for retirement at age 31

While less common than they used to be, pensions are still a source of retirement income for many Americans, especially those who work for the government! Do you have a pension? Do you know of anyone who lives off a pension? What do you think? Let us know in comments 👇

From and

I love hearing from people who are totally smashing their wealthy building journey! Reaching the first $100K to me is always such a milestone because that is how future millions are made. No magic trick here, just living below one's means and investing the difference. DM or comment MASTERCLASS to get a coupon code to get the class for half off!

Any guesses what I was trying to make in the first photo?

(I'll reveal in stories)

These are photos from 2014 and 2015. I reached FIRE in 2016. While it's just four photos, they show how imperfect my life felt at the time. Trying to make everything at home. Going to the Getty Villa because it was free. Reading and learning about estate planning. Lots of photos inside my cubicle because back then, work was my life. During all of this I had some idea that my wealth was building, but I didn't realize that it would happen when it did. Partially because FIRE was not in my vocabulary at the time.

However what you do see is that being intentional with my money was a DAILY habit. I lived it, I kept learning, I kept trying new things. It isn't something you tackle when it's tax season or when the collector calls you. If you can make money a DAILY practice - tracking expenses, doing stuff that is frugal, finding joy and happiness with what you've got, then you will get it.

It didn't truly click in my head until about a few months ago that my nutrition needed adjusting. and now that I am consciously (and also, in a better mindset to actually do it) working really hard on my nutrition, I'm seeing that change in my body composition as well! This picture represents 1 year and 3 months of a fitness journey (and also 1 year 6 months post partum).

Period.

Tag your green flag friends! I am tagging a few who are public on IG






Master Your Money Mindset is a group coaching class that starts June 3 and teaches you the daily habits you need to become more confident in personal finance. The 3 week intensive helps you stop fearing money and get the basics of personal finance down. The 5 week version helps you learn how to budget and create a debt free plan, with professional review by

The coupon codes are
MMM100 to get 3 weeks for $100
MMM200 to get 5 weeks for $200
🔗 In bio to register. Sale ends May 31, 2024. Course is open to participants worldwide.

The coupon codes are: MMM100 for the 3 week option, MMM200 for the 5 week option. Dm me if you have any questions!