SavorOne card<\/a> also meets all my credit card requirements so definitely check it out if you\u2019re looking to get a new credit card!!<\/p>\n\n\n\nI told you I\u2019m going to help you grow in all aspects of your life so that means a financial glow up too! Learn how to manage your money wisely and make smart decisions now to avoid regret later. Make these money moves in your 20s and 30s so you can be set in your 60s and 70s! Future you will be so happy about all that extra money you have because you invested, saved, and strategized, babe!<\/p>\n\n\n\n
Keep glowin,<\/p>\n\n\n\n
Kay xo<\/p>\n","protected":false},"excerpt":{"rendered":"
In high school, we learn that we should go to college, get a job, and work until retirement but no one really teaches us how to prepare for financial success. These smart money moves in your 20s and 30s will have your bank account thanking you later on! After I graduated from college, I decided I needed to get my shit together financially and educate myself on some best practices. If you haven\u2019t done all of these tips suggested in this post, get on it!! When it comes to earning or saving money, time is of the essence.\u00a0 Smart Money Moves In Your 20s and 30s to Have A Richer Future Get to Know the Stock Market Invest with Robinhood Not gonna lie, I still don\u2019t really know how stocks work but I do know it\u2019s how rich people get richer. Lol they invest and create long term wealth! I just opened up a Robinhood account and have been trying to learn how to pick good stocks to invest in. Buying individual stocks can be risky if you don\u2019t know what you are doing. I initially invested $500 and was so excited to be up $100 in 2 days! So cool!! I was so happy with my stock picks. Like ooo look at me picking good stocks but then life had to humble me lol. Within the next 2 days, I lost $350. But that\u2019s just the nature of the beast! I\u2019d suggest investing in some low-risk bonds or mutual funds so you don\u2019t have to stress over losing too much money. Robinhood is definitely a popular investment platform for millennials. If you join Robinhood through my link and we will both get a free stock!\u00a0 Earn some extra cash to invest by signing up with S Invest with Stash I also tried the Stash app and loved its beautiful layout. It makes finding companies and stocks to invest in so much easier than Robinhood. You can search for companies by industry like media, real estate, or consumer staples, and they also conveniently group ETFs for you. ETFs (exchange-trade funds) are a bundle of different company stocks. If you\u2019re interested in women-run companies you can invest in Women Who Lead or if you wanna invest in travel companies you can choose \u201cDestination Recreation.\u201d\u00a0 They truly make it very simple to start investing with as little as $5. For this convenience, you pay $1 a month to invest with Stash. It\u2019s a price worth paying if you know you\u2019re not going to take action if investing looks too hard! Stop wasting time you can\u2019t get back and start investing either way.\u00a0 If you want a completely hassle-free way to invest, I\u2019d go with Stash. If you\u2019re willing to research some stocks and want no monthly fee, I\u2019d go with Robinhood! Pro Tip: Earn some extra cash for investing by signing up with Survey Junkie! Easy money and it won’t hurt as bad if you lose it to the market! lol Start Saving Money for Retirement It\u2019s never too early to be thinking about your retirement! I wish they taught me about Roth IRAs and 401Ks in school so I wouldn\u2019t be so lost! Both are types of investment retirement accounts that allow your money to grow over time. The biggest difference between the two is that you are fined a 10% tax penalty for withdrawing money from your 401K but you can withdraw contributions from your Roth IRA penalty-free. It took me a lot of research to understand this so to learn more check out this article. You have probably heard of companies doing a 401K employer match. For instance, my company matches my 401K contribution up to 6%. This is literally FREE MONEY so take advantage of it if your employer offers it. I started investing in a Roth IRA because I like that it is more flexible than the 401K. I don\u2019t plan on touching the money I\u2019ve put into it but I feel less nervous knowing that I can! I used Betterment to open up my Roth IRA and highly recommend them! I chose an auto-investor because I have no idea how to do it myself. So if this sounds like you, consider making your life easier and try Betterment to open your Roth IRA Betterment charges a low monthly management fee of 0.25%. But when you join through my link you\u2019ll get 3 months free!! They have a user-friendly app and have other features that I use…taking me to my next point Open a High Yield Savings Account You know interest rates, right? When you look at your bank statements and you see an extra 3 cents in your account? Interest rates at regular banks are extremely low but online banks tend to have higher rates! Before Corona hit, Betterment had a savings account interest rate of 2% compared to the national average of 0.1% Now that rate has dropped down to .4% but I hope it will get back up there soon! By moving my savings over to Betterment I was getting almost $10 in interest every month! So much better than the 3 cents I was getting at my old bank. Pay Yourself First and Budget\u00a0 A high-yield savings account won\u2019t do you any good if there aren\u2019t any actual savings in it! Be smart with your money and budget it out. Put at least 20% of your paycheck into your savings account! We want to move out of our parents\u2019 house eventually, right? You can try the 50-30-20 budget method to organize your spending. 50% of your money goes to necessities like bills, food and gas 30% of your money goes to wants like clothing, makeup, entertainment 20% of your money goes into your savings account\/retirement funds Also be sure to get cashback on your online and in-store purchases with Rakuten! I freakin’ love them and always check to see if I can save some money before I make a purchase online. Don\u2019t […]<\/p>\n","protected":false},"author":1,"featured_media":1889,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":""},"categories":[111,30],"tags":[],"_links":{"self":[{"href":"https:\/\/breathehustleglow.com\/wp-json\/wp\/v2\/posts\/1882"}],"collection":[{"href":"https:\/\/breathehustleglow.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/breathehustleglow.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/breathehustleglow.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/breathehustleglow.com\/wp-json\/wp\/v2\/comments?post=1882"}],"version-history":[{"count":7,"href":"https:\/\/breathehustleglow.com\/wp-json\/wp\/v2\/posts\/1882\/revisions"}],"predecessor-version":[{"id":1894,"href":"https:\/\/breathehustleglow.com\/wp-json\/wp\/v2\/posts\/1882\/revisions\/1894"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/breathehustleglow.com\/wp-json\/wp\/v2\/media\/1889"}],"wp:attachment":[{"href":"https:\/\/breathehustleglow.com\/wp-json\/wp\/v2\/media?parent=1882"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/breathehustleglow.com\/wp-json\/wp\/v2\/categories?post=1882"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/breathehustleglow.com\/wp-json\/wp\/v2\/tags?post=1882"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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