☀️The Summer I Turned Financially Pretty
2023 was the summer I stopped chasing glow-ups in the mirror — and started building one in my bank account. 🦊💅
Because “pretty” isn’t just the tan or the outfit. It’s the calm that comes from having your money in order, goals in motion, and confidence in your future. 2022 was a year of stress, credit card debt, broken engagement & lots of therapy. 2023 was going to be different…and it was.
The best part? You don’t need a finance degree or a trust fund to get there. Just a few clever tools, a willingness to start small, and a little consistency.
Here are 5 summer-themed terms that helped me glow from the inside and the portfolio out:
1️⃣ Roth IRA — Your Beach Cooler
Pack it now, enjoy it later. You toss in contributions today, and when you open it later, everything’s chilled, ready, and tax-free. 🌴
2️⃣ Compound Interest — Your Sun Tan
The longer you stay out, the deeper it gets. ☀️
Except this one doesn’t fade — it builds on itself day after day, growing your money over time.
3️⃣ Diversification — Sunscreen for Your Portfolio
You don’t want to get burned in one spot. 🧴
I keep a diversified stock portfolio that’s active and constantly teaching me amazing lessons about market trends and cycles.
It’s not about perfection — it’s about staying curious, learning through the ups and downs, and spreading your investments so one dip doesn’t ruin your whole summer.
4️⃣ Index Fund — The Summer Playlist
All the best hits (companies) in one mix. 🎶
Easy, low-maintenance, and proven to keep the vibes good long-term. It’s a good layering piece that ties well with my active stock portfolio. Great possible option for a beginner who doesn’t have time to learn as much, but wants to get started.
5️⃣ Capital Gains — The Closet Clean-Out
That moment you sell last year’s swimsuit on Poshmark for more than you paid. 👙
Except in this case, you’re selling investments that have grown — and cashing in on that glow-up.
🌸 The Takeaway
Being Financially Pretty isn’t about perfection — it’s about peace.
It’s that quiet confidence that comes from knowing your money is working for you, even when you’re out living your life.
Start small. Start now. Your future self will thank you.
💌 Your Next Step
Want to start your own financial glow-up?
Grab your free guide — The Clever Girl’s Start to Investing Guide — and learn the basics that make you feel empowered, not overwhelmed.
