Today's Freebie Friday is a little different. Very...choose your own adventure.

Everyone’s money has a story behind it, and most of us are somewhere in the middle of writing ours. Mine started with a scholarship that covered most of my nursing degree and no real plan for investing. I cashed out my first work retirement account to pay off credit card debt, and in 2016 I was putting $100 a paycheck into investments with no logic behind it.

Things started coming together in 2019, when I automated my contributions and stepped them up consistently. That year, my job and I contributed about $25K, and my portfolio grew by nearly $40K. I hit $100K at 29, and I’m now 36 with $580K invested. Going from $0 to $100K takes patience and intention, Reader, and once compounding gets going, the climb from $100K to $500K+ moves a lot faster. Here’s the full story I shared on Threads if you want the details.

Wherever you are in yours, the same questions about spending guilt, investments, and where to keep your cash tend to come up, so I pulled together the videos and posts that have gotten the biggest response from this community.

Cutting subscriptions probably isn’t going to fix your budget, and this video explains why. It starts with a broken coffee mug and what it says about how we talk to ourselves when our bank account takes a hit. Then it gets into the money mistakes that cost a lot more than a streaming service.

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Investing questions keep coming up, so here’s my video on Roth IRAs. I explain how a Roth differs from a traditional retirement account and what might make you want to add one to your investing strategy. I also cover what happens if your income is too high to contribute directly.

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My Threads post asking whether your sinking funds and emergency funds are separate got a lot of comments. I also heard recently that sinking funds sound weird and complex, so I wrote a blog post for busy women that keeps it plain. They are the key a lot of women are missing to make managing their money so much easier.

If something here made you think about your own money, I’d love to talk it through. A Financial Roadmap Call is a low-pressure 20 to 30 minute chat. You tell me what’s been hard about your money in your own words, we explore what you want it to look like, and if I can help, I’ll walk you through how working together would look. You’ll leave knowing exactly where you stand and what your next step is.

Thanks for letting me be part of your money life. Which pick was your favorite? Hit reply and let me know. I love hearing from you!

Eager to see you thrive,

Prisca

P.S. I help women like you create a customized plan for your money that allows you to enjoy life now while saving for your future. Schedule a free call to learn how my coaching can help you.

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