How to Buy Index Funds on Charles Schwab App

Let's buy some index funds so we can all get rich! Are you nervous to buy your first index funds? I was too! I had no clue how to do it. My friend had to walk me through exactly how to buy shares on the Schwab mobile banking app. If you don't have a friend nearby to guide you, I'm here as your financial bff to show you exactly how to do it!


Disclosure: Some links are affiliate links, meaning, at no additional cost to you, I may earn some compensation. All opinions are 100% my own! I truly appreciate you and your support. :)

Index Funds Explained! The Easiest Way to Start Investing

Investing can be really intimidating. There's so many complicated terms—options trading, market limit, day limit—things that make investing seem really hard and honestly, exclusionary for most people. I know I felt that way when I first started investing. I had no idea where to start. I was so confused about what to do. I'm here today to talk to you all about how I actually started investing and talk about the easiest way for anybody to start their investing journey.

Welcome back to Millennial Money Honey where we talk about all things financial independence, I share my journey to retire early, and give you all the money saving hacks. If you like this content be sure to like this video, subscribe to my channel or to the podcast, and let's talk money honey. 

I started investing about three years ago and prior to that my dad had set up a custodial brokerage account when I was born. When I gained access to it, his advice to me was just choose stocks that sound good and invest in companies you actually use. For me that was so ambiguous. What if I chose the wrong company?

I was too scared to actually pull the trigger and start investing because I didn't know what to do. Because of that, I basically did nothing for the first few years that I actually gained control of this custodial brokerage account. I love my dad so much. I am so thankful that he even opened this custodial brokerage, but it wasn't enough to actually get me to start my own investing journey. 

I finally saved enough money after working long enough. Plus I did a no-spend year. I decided I needed to learn what to do to invest. So I did what any average millennial does, I Googled it. From my research I decided that I wanted to invest in index funds. 

What is an index fund?

Even that term in itself sounds kind of complicated. If you think of an individual stock as a single flower, think of an index fund as a bouquet of flowers. Instead of owning one individual stock you would own the entire stock market made up of a bunch of individual stocks. An index fund is so much easier because you're not choosing individual stocks. You're buying, for example, a total U.S. stock market fund like VTSAX, SWTSX, or FSKAX. All of those are total U.S. stock market funds. They are all great, they are just through different brokerages, which leads me to my next point.

What is a brokerage?

A brokerage is just a place or a financial institution in which you can purchase, buy/sell, trade stocks. My favorite three that I always recommend are Vanguard, which was founded by the founder of index funds, the guy who literally came up with the idea and made it a thing, John Bogle, Fidelity and Charles Schwab. Now they all have great index funds that they run and manage and they are all good brokerages. I personally use Charles Schwab and I love and recommend them. 

The reason you would want to invest in an index fund over an individual stock is just because an individual stock can go up and down and is really subject to how well the company is doing. Versus an index fund, since it's made up of a ton of individual stocks, if something falls off of the index if it goes down to zero the stock goes away and is replaced. It is a self-cleansing, self-replenishing fund. That's why it's a little bit more safe to hold that. (As with anything financial related though do your own research. I cannot give investing advice. You need to consult a CFA or CFP.) 

Level 1: Robo-advisors

After doing my research and deciding I wanted to invest in index funds, I knew it wasn't worth it for me to pay an actual person to manage my investments. This is where a robo advisor came into play. I use the robo advisor Wealthfront and I 100% recommend a robo advisor for anybody who is just getting started. If it's a matter of doing nothing and waiting until you learn more, or starting with a robo advisor, robo advisors are great. 

What you do with a robo advisor is you take a quiz and basically you tell them your age, when you're planning on retiring, and your risk tolerance, which is just how nervous do you get if the stock market suddenly takes a plunge. Would you pull out all of your investments or would you stay the course? A robo advisor would advise you based on that and buy the funds based on what you've told them. It would be a mix of U.S. stocks, international stocks, bonds, and a couple of other indexes. All of your investments would be well-balanced.

Not only do they invest everything for you based on that, they rebalance if things get out of whack. If you have too much U.S. stocks they'll sell it and rebalance it and keep a healthy portfolio. 

I love Wealthfront specifically because they have awesome financial planning features. You can input when and where you want to buy a house, how many kids you want, if you plan on paying for the college, if you plan on taking time off to travel, and if you want to retire early you can tell them that too. It will tell you based on that information you give it what you need to be saving for all of your financial goals. 

Here is my to sign up for Wealthfront and you will get $5,000 managed for free and I will too if you use my link! I can't recommend them enough for anybody who is too scared to start investing. A robo advisor is how I got started.

Level 2: Target Date Funds

The next level up from robo advisors is target date funds. Target date funds are index funds, which also have a bunch of index funds inside of them—stocks and bonds, etc. You pick a target date index fund based on the year you turn 65 generally. I am in the target date 2055 index fund. They go in increments of five years usually, so pick the year closest to when you would turn 65. 

You can get a target date fund through any different brokerage—Schwab, Fidelity or vanguard. They all have target date funds and what I like about target dates funds is they automatically rebalance and move away from stocks closer to bonds the older you get. It automatically rebalances everything for you as you reach your retirement date. 

Not only that, they tend to be extremely low cost. What you want to look at is the expense ratio on your index funds. For target date funds they usually cost around 0.05% to 0.08% to manage it. What's nice about that is you just pick one fund, dump your money in and never think about it again. 

Robo advisors on the other hand, not only do you have to pay the expense ratio on funds, but usually you pay a very, very small advisory fee. This shouldn't be any more than two 0.25%, which is well below what you would pay an actual person, which is anywhere from 1% to I've even heard of people paying 3% for their financial advisors. Basically what you do not want to do is pay fees because fees are lost money for you. Be sure and check expense ratios on funds!

I would, for example, look up SWYJX. That is the target date fund I invest in. I can see the expense ratio on it is 0.08%. Target date funds are great once you feel comfortable choosing your own brokerage and learning the interface of the brokerage itself. 

What I like about robo advisors is their interfaces are so beautifully designed and so easy to use. Generally for Schwab, Fidelity, and Vanguard, their interfaces are a little more clunky and not user friendly. It is a bit more intimidating to use, which is why I put it at level 2. 

Level 3: DIY Index Fund Rebalancing (Boglehead 3-fund portfolio)

Level 3, once you've figured out which discount brokerage you like using, is to pick index funds and rebalance them yourself. One of the most common methods of doing index fund investing is called the Boglehead 3-fund portfolio. This idea is founded by John Bogle, again the founder of Vanguard and index funds. Basically what you do is pick a percentage of indexes—so you will have a total U.S. stock market index fund, a total international stock index fund, and a total bond market index fund. You choose an allocation that you feel comfortable with. 

Obviously stocks are more risky, but if you are younger you're going to have the time to be more risky. You'll be a little bit heavier in stocks and as you move closer to retirement you want to move the stocks closer to a bond fund.

I currently have my allocation at 80% U.S. stocks, 15% international stocks and 5% bonds. That's what I feel comfortable with. I'm definitely a more aggressive investor and I feel comfortable with those amounts given my current age and the length of time I am going to keep these funds in the market. 

Some people rebalance their portfolio quarterly or half yearly. Rebalancing is when you would sell some assets to put it in the right percentage balance. So if you're too heavy in bonds you would sell some to buy stocks, thus putting it in balance. Since I'm still actively buying funds on a very regular basis because I still have income and am not retired yet, I like to put in money as soon as I get it. 

When a paycheck hits I invest right away and I use my rebalancing calculator spreadsheet to decide where to allocate that money. It updates with numbers directly pulled from google finance so it's somewhat, but not exactly real time. It tells me if I have $1,000 to invest, where should I put that money to keep it in the right balance. This means since I rebalance my portfolio by paycheck I don't need to rebalance quarterly or even half yearly. 

Since I'm with Schwab my three fund portfolio is made up of three indexes: SWTSX,  Schwab's total U.S. stock market index fund, SWAGX, Schwab's total bond market index fund, and SWISX, Schwab's total international stock market fund. 

I started at level one with a robo advisor and progressed to a target date fund and only as of last year I am now DIY rebalancing my index fund portfolio myself. It took a couple of years to level up to that place. If you're scared to start, I highly recommend considering just going for it. You learn from your mistakes and you can always keep leveling up as you learn and grow.

The most important thing is time in the market because the longer you're in the market, the longer your money has to compound and grow and work for you. This way you can take advantage of retiring early or becoming work optional and achieving financial independence. Don't sleep on it! 

All three of these methods, robo advisor, target date funds, and the Boglehead 3-fund portfolio, are great options. Just pick one and don't wait. Let me know in the comments below what level you're on and what your ultimate goal is for leveling up your index fund investing game. 

If you're a novice investor, don't let investing intimidate you! I am here to help you and guide you as much as possible. (Again do your own research though because I don’t  want to be sued by the SEC.) I hope this helped you! Be sure to give it a thumbs up, subscribe to my channel or podcast, and tune in next week where we'll talk more money, honey!


Disclosure: Some links are affiliate links, meaning, at no additional cost to you, I may earn some compensation. All opinions are 100% my own! I truly appreciate you and your support. :)

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4 Books You NEED to Read to RETIRE EARLY and FIRE

Many people have asked me where to begin on their own journey to retiring early. For me, it all began with a book and that's why it's the starting point that I recommend to other people.

Books are perfect because you don't need to buy books at all. You can check them out from your local library, like I did, but if you're also like me, you may end up liking them after you read them and want them for your own personal reference. You might like it so much you end up buying it.

These four books are the absolute must reads to really launch your personal finance journey and I say these in this specific order to help you get started. 

1. Rich Dad, Poor Dad by Robert Kiyosaki

The first book is Rich Dad, Poor Dad by Robert Kiyosaki. This book is so important to me because I think the first step to actually getting on your personal finance journey and becoming financially independent is to be in the right mindset—to think that yes, you can do it and that money should be working for you. Rich Dad, Poor Dad opens your mind to thinking like a rich person. 

Even if you aren't rich, even if you're in debt, it's the mindset that will make this all a reality. You have to think rich to get rich. My favorite quote of the book was,

“Don't work for money, make your money work for you.” 

This book is so eye-opening to being in control of finances and adding assets, which are things that make you money, versus having liabilities, which are things that lose value—like a car, and this is a hot take, but if you own a home and you're paying the mortgage on it not house hacking or buying as an investment property to rent out, a house is a liability. And yes, the housing market may be appreciating, but a lot of the time I think your money would be better off being invested in the stock market. 

A primary residence is oftentimes a liability and I'm not saying you shouldn't buy a house, not at all, or if you own a house I’m not judging. I will one day buy a house too, but The New York Times has this really great calculator on this. Just Google “New York Times should I rent or should I buy,” and it will spit out the information based on your area and current situation. That's my hot take and if you don't believe me you should definitely read Rich Dad, Poor Dad.

2. I Will Teach You to Be Rich by Ramit Sethi

Once you've shifted your mindset to a millionaire mindset after reading Rich Dad, Poor Dad, it's time to build your house of wealth and that requires a solid foundation. So this next book is I Will Teach You to be Rich by Ramit Sethi. It's a no-BS crash course on finance 101. It touches on everything from negotiating bills, gives you an overview of credit cards, and automating all of your finances so you don't even really have to think about anything. Ramit is really funny, actionable, and most importantly I love that he doesn't encourage you to live like a pauper, but he wants you to design your own version of a rich life.

So if you like eating sushi, buying designer purses, go for it. It's just a matter of not wasting money on things you don't absolutely love. So for example, I still love traveling. I eat at bougie brunches with my friends. We go out and I don't even think twice about dropping money on things like that.

I used to have a lot of “hobbies,” that I would spend a lot of money on like clothes and fashion. I realized I don't really care about keeping up with the latest fashions or dropping $90 to get my eyelash extensions done every other week. It was a headache and didn't like spark joy—not to like Mari Kondo your life. Giving up all these beauty routines save me so much money.

Something that Ramit preaches is,

“Spend extravagantly on the things you love and cut costs mercilessly on the things that you don't.”

I actually bought this book for two of my younger sisters who just started working this year and one loved it so much she literally bought 12 copies to give to her friends as graduation presents. If that doesn't emphasize how much of a game changer this book is, I don't know what will. Definitely go check out I Will Teach You to be Rich by Ramit Sethi. 

3. The Simple Path to Wealth by JL Collins

Once you've read that and built that solid understanding of personal finance, it is time for you to read The Simple Path to Wealth by JL Collins. You can save all the money you want, but unless you actually start investing your money, as Rich Dad, Poor Dad would say, your money is not working for you. JL Collins gives you the step-by-step breakdown on how to invest your money in a way that is legit so simple—like The Simple Path to Wealth makes it really so simple. 

The TL;DR is you should mostly be investing in low-cost index funds, specifically a total U.S. stock market and a total bond market index fund. He preaches about VTSAX but any is good. The total U.S. stock market index fund is a group of stocks or a group of bonds. Instead of owning, for example Apple (APPL) or Tesla (TSLA) or Amazon (AMZN), you are owning a little bit of basically every single stock in the entire U.S. stock market. So if one company goes bankrupt, it gets replaced. It is self-cleansing, so it's awesome.

My favorite quote of this book was,

“I may have not owned a Mercedes, but I owned my freedom—the freedom to choose when to leave a job and freedom from worry when the choice wasn't mine.”

You must be investing to have what JL Collins calls F.U. money, which is basically just the concept of financial independence and financial freedom. You want to be able to walk away from your job tell your boss F.U. and never, ever have to go back to work again. (I don't recommend doing that because that's not very nice, but you could.) The way to do that is through investing.

I've used Wealthfront to do my index fund investing for years which is a robo-advisor that automatically invests in index funds for you. If you're still scared and figuring it out, I 100% recommend using a robo-advisor like Wealthfront to get started investing in the meantime while you figure it out. Again this is totally not sponsored at all, I just really freaking love it. (I mean I would be down to be sponsored—shout out Wealthfront) Their app is legitimately amazing, it's so easy to use. 

A lot of these big bank brokerage apps are not user friendly but Wealthfront is. After reading The Simple Path to Wealth, I decided I could manage my investments myself. If you have the ability and the funds to invest right now, but you're too afraid to manage it like I was two years ago, Wealthfront is 500% the way to go. Again, not a plug.

4. Quit Like a Millionaire by Kristy Shen

The final book on my list is a book on how to actually become financially independent and then retire early. It's called Quit Like a Millionaire by Kristy Shen. I love this book for several reasons, the first one being Kristy is a woman in the super male dominated FI world.

She also makes conservative financial estimates like me. I'm scared of not having enough. She also shows you these US-based tax hacks on how to actually minimize your taxes. Once you reach your financial independence number she gives you a detailed breakdown on what to do when you actually cross over to FI.

So this is a must read for anybody pursuing financial independence and wanting to retire early. Her belief aligns 100% with mine in that, no matter your circumstances, wherever you come from, whatever your background is, everyone can retire early. Financial independence is literally for everyone, as her title implies, no trust funds, luck, or gimmicks required.

Kristy herself grew up impoverished in China and yet she still managed to retire at 31. She is a girl goal inspiration. My favorite quote of hers from this book is, 

“If you understand money, life is incredibly easy and if you don't understand money, which the vast majority don't, life is incredibly hard.”

I 100% believe that and that's why I feel like it's so important for you to educate yourself, to read books like Quit Like a Millionaire, to watch these Youtube videos, in order to really teach yourself more about money.

I've read a lot of other personal finance books like Your Money or Your Life by Vicki Robbins, Work Optional, Playing with FIRE, and many more, but these are the four books I always come back to and the ones that stood out from the vast library of books that I've read. Whether you're just beginning your finance journey or you're already on the path to financial independence, these are the four books that you have to read.

Honestly these books are so helpful and go to show that FI/RE is for everyone who's willing to put in the work to learn and teach themselves more. So if you're looking for something to do this quarantine, seriously who isn't, these books are a great way to start your journey into the world of finance.

So if you found this helpful for your own FIRE journey, like the video above, subscribe to my channel. And let me know in the comments what other books that have inspired you!  Be back next week so we can talk more money honey.


Disclosure: Some links are affiliate links, meaning, at no additional cost to you, I may earn some compensation. All opinions are 100% my own! I truly appreciate you and your support. :)

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How I Don't Budget, but Successfully Track My Money

Today, I wanted to talk about budgeting or more exactly how I don't budget.

I've tried a lot of different ways of budgeting. Zero-based budgeting, which is where you give every single dollar job, has never worked for me. I've been in periods of my life where I freelance and my income is unknown and unsteady, which means it's hard for me to plan exactly how much I'm going to spend every month. I've found that it's extremely restrictive for me personally. I know a lot of people in the debt free community love the zero-based budgeting method, but it has never worked for me. There are apps like You Need a Budget, which are based on zero-based budgeting and a lot of people’s templates use the zero-based budget. 

I've also tried to use apps like Mint, which is an amazing free tool that allows you to categorize all of your different types of expenses and assign a dollar amount. It doesn't start from a dollar amount and go down to zero, but it allows you to allocate a certain dollar amount to every different type of category from groceries to car to Ubers, drinks, food, etc. I also have tried that but sometimes I would go over in certain categories and I don't like the shame that I feel when I don't achieve goals.

I've found that extremely restrictive budgeting methods are not for me. Then there's percentage-based budgeting, which if you know your income, 50% goes toward saving, 30% towards needs, 20% wants or usually some variation of three categories of percentages. That's less restrictive, but I found that the best way for me to budget is to not have a budget at all. It doesn't matter what I spend on or what categories I'm spending in. 

I wanted to take a deeper dive into my actual spreadsheet that has allowed me to anti-budget or to not budget. I use my money tracker spreadsheet, which is completely free and available to download on my website. It's super simple, it may not work for everybody as with everything budgeting, it’s super personal, but you can tweak it to make it work for you. This is how I think about money, so you can modify it to fit your own needs. I've downloaded lots of other people's budget templates and in the end like I built what works best for me. I think this is a really great starting point if you just are looking for a place to start.

Okay, let's take a look at what I actually set up my spreadsheet to be. If you take a look at the tabs at the bottom, I have a tab for every single month of the year starting in January. As a new month comes, I duplicate the tab—if you right-click on a tab, you can duplicate it. So I'll take you back to August. You can see in this first column I organize all of my expenses, so if there's ever a thing that I spend money on I write it down. I put categories, but I don't actually do anything with the category other than know how much I spend there. I'm sure there's more useful analysis that you could be doing with this, if that's your thing, but for me it's just a nice to know.

In the second column we have my savings. I have a $2,000 transfer set up every other week that goes into my brokerage account. If I make more money or complete a freelance job that's bonus income, then I also send that straight into my brokerage. 

I write down all of my income in the third column so you can see whether it’s from interest, a paycheck, resell, freelance, cash back, or Millennial Money Honey. Then in the final column, I have my income total, my expense total, my savings rate, and my actual savings. The savings is not pulled from the savings column, it is income minus expenses, not a total from the savings column, because I don't account for what ends up just sitting in my checking account or my savings account. I have some of my paycheck going out into those but it captures my entire savings this way. 

And also in the totals column I have all the categories so I can look and see that I spent $230 on work this month and $230 dollars on shopping. Then the savings source total pulls from the savings column itself and anything left over is what stayed in checking. You can also see I have everything in this pretty little donut chart—expense percentages, savings percentages, and then income percentages. You can see this month 76% income was from my paycheck and then 22.6% from freelance and then the rest from the other little items. Those pretty graphs I screenshot and drop it into a post to make for Instagram. It's super easy. 

I have a net worth tab that I move next to whatever the current month is. In this net worth tab I have a list of all the different types of accounts I have and the category—cash and savings, tax advantage investments, taxable investments, and then liabilities (my one credit card). On the last day of every month I have a calendar event reminder to go in and check my net worth. I will go in and look at every single account and write down the dollar amount it has in it. I like to check on it throughout the month but the final column is always the last day of the month so you can see all my net worth slowly growing over the course of this year.  

I also have other random information like I keep track of—my 401k contributions, my IRA contributions. I think it's important to keep track of your yearly Roth IRA contributions. I can go into like a whole other video about Roth IRA’s, but you should keep track of your Roth IRA contributions so you know when you can draw down on them. You won't be penalized if your initial investment amount sits there for five years—you'll be taxed on gains but not the initial investment. Currently I've contributed almost $25,000 to my Roth IRA and I can start drawing down on those in like 2025 with no penalty to me. 

My 2020 savings rate is over here in this column and my lifetime savings rate is over here, which is 41%. I have my FI/RE progress, 2020 expenses, and my 2020 average savings rate. Not all of these are in the downloadable one, but if you want it, just reach out to me, DM me and I can help you if you need help making this chart. Whatever kind of information I want to know I just make a new chart for it and then I have my graph section and this actually pulls data from that other spreadsheet tabs. So you can see my 2020 goals: I have $2 left to contribute to my 401k, my IRA is completed, and my emergency fund is $2,000 away from completing. My net worth has been growing over time. And then here’s my 2020 income: So I made $451 in January and at most in May I made $16,800, but the average is ~$8,000.

If I can put together a spreadsheet that just tracks my expenses, you can too. It's super easy. At the end of the day, just write down everything you're spending money on and all of your income and you'll see how much you're saving. Once you've tracked, I'd say at least 3 months worth of expenses, then you'll be able to know that you don't spend above a certain amount. So anything above that should just automatically be sent straight to your investment accounts, whether it's your IRA, savings, your emergency fund, wherever it needs to go (assuming you don't have any debt or anything like that).

This is how I do it. It works for me because right now my expenses are really low. I live at home with my parents so I don't really have any rent, but there are a couple key things to my method. First, you need to have a really solid understanding of how much you're spending on average per month. For me, this year it's $1,200 dollars, but it used to be $2,000. Currently it's closer to $1,200 dollars because I decided to move back in with my parents for a little bit this year. 

Second is automating all of your transfers. Every single paycheck your money needs to hit your checking account, if that's where it goes, and go out into your savings and/or investment accounts. That way you don't even think about it. Whatever is left over is how much you can spend. 

Finally, I always keep a cash cushion that is above the average amount of money I spend. I always keep around $3,000 dollars in my checking account. If cash is building up, then I just transfer that out into my brokerage. I check on that every month. Having a certain dollar amount that is like $1,000 more than what you typically spend accounts for any kind of fluctuation in spending. For example, for things like Christmas or randomly many friends have birthdays in October, those are going to be like higher spending months for me. In the end it all averages out, but if you have an extra cushion in your checking account then you know you'll always be covered if it fluctuates slightly.

So that is how I do it and if it works for you, I totally recommend it. It's definitely the most hands-off like “budget.” You don't have to think about things too much, you just need to track your expenses, but you don't need to allot only $200 for this or only $300 for that. Again, as I said before, all budgets are extremely personal. Hopefully you can find a budget that works for you! I would love to see how you guys actually set up your own systems. I'll leave this spreadsheet here and link it directly to the download page from my website. If you like this video like & subscribe and I'll see you guys next week to talk more money, honey!


Disclosure: Some links are affiliate links, meaning, at no additional cost to you, I may earn some compensation. All opinions are 100% my own! I truly appreciate you and your support. :)

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[Closed] *GIVEAWAY!* Millennial Money Honey Shop is open!

You guys, it’s here. I’m excited to announce Millennial Money Honey Shop has launched! :)

I’ve been making personal finance graphic designs over on my Instagram as a way to help motivate me and others on the journey to Financial Independence. I wanted to be able to share it with all of you, too.

I’ve created a little collection of digital art prints and money charts that are inspired by the financial wellness lifestyle. Check out the shop here, and as a token of my appreciation for 7,000 money honeys joining me on my journey to FIRE, use the coupon code THANKS7K for 20% off you purchase today through Friday, Sept 11, 2020.

Here a few of my personal favorite items from the shop:

What’s cuter than a money motivating bread clip sticker?! I put mine on my laptop as a constant reminder to earn that dough so I can FIRE ASAP.

Knowing my worth was (and still is) something I constantly struggle with. I’ve gotten better at negotiating and learning my own value, but I printed this out to hang above my desk as a reminder that I should never sell myself short. Ladies, get paid!

I’m a very visual person, that’s why I love these money tracking charts to help you actually see your money growing. A close runner up is the Flower Power Bundle because smiley faces 😃 and flowers 🌸 just make me happy.

And last, but definitely not least is this Stay Rad printable poster. The FIRE movement has been notoriously dominated by dudes and I’m so glad to be a part of the growing FI ladies community. Not only are more and more women coming onto the scene, but also a diverse and bada$$ group! The whole notion of retiring early is radical, and I’m so glad to have found comrades who are equally willing and ready to STAY RAD 🌟!

Giveaway

Now for the juicy details! If you haven’t had a chance to check out my Instagram, head over there for the full details on how to enter.

In honor of 7K money honeys and the official launch, I’m choosing one winner to get The Money Honey Collection of printable art posters, their choice of a money chart bundle, and two Let’s Get This Bread stickers.

I’m also choosing 5 winners to receive 2 Let’s Get This Bread stickers—one to keep and one for a friend!

To enter, follow @millennialmoneyhoney and tag your finance BFF on THIS POST.

Giveaway closes next Friday, 9/11/2020, at midnight PT. Winners will be announced Sunday!

Good luck and thank you so much for joining me on my journey to FIRE! I am truly humbled. 🙏

xo,

Catie