Real money advice for millennials. Run your money. Run your life. http://whitneyhansen.com/
Operating as usual
Which person is more likely to stick to their plan, stay excited about their finances, and build wealth?
*waiting for the person in the comments to say B*😂
For real- simple reframes with your finances is so key to beat comparison syndrome, feel good, enjoy the process, and stay focused.
Find one money belief that you currently aren’t thrilled about and find a reframe that you believe in.
A ✨huge✨ part of your success with money is finding the positive in sacrifice.
More positive reframes is key to feeling good about your finances.
What is a financial reframe that helped you see some positive?
Mine is in the comments. 👇🏻👇🏻
Money is time.⏰
When we blow money on crap we don’t need, we force ourselves to have to trade more of our time to earn money to support those financial choices.
Honoring your money is honoring your time.
Huge thank you to @policygenius for this interview. 🙏🏻
I had quite a hellish October, so I’m easing into November with some easy goals.
In case you don’t know—
MIT= most important tasks
I write down 3 must accomplish today tasks and then work on those first every day.
What are some of your November goals?
I am a make my coffee at home kinda person.🙋🏼♀️
Last year I did a story and asked you guys for suggestions to tell me reduce my creamer intake.
Here’s my secret sauce:
☕️Califia Farms Oat Milk (frothed)
☕️1 TBSP Sugar Free Vanilla Syrup
Tell me how do take your coffee?
What’s your favorite tips to elevate your at home coffee game?
🔅SIDE HUSTLE REVIEW🔅
I recently, wanted to retest Amazon Flex as a side hustle.
HOW IT WORKS
You sign up for Amazon Flex by downloading the app. I was on a waitlist for almost 2 (3?) years.
Once you’re approved, you accept and browse “Offers” and deliver packages or Whole Foods groceries.
✔️You work on your own time (scheduling available slots)
✔️You get tips for grocery delivery
✔️Pay out quickly
✔️Get a work out (you have to HUSTLE to finish slots of time- like run to the doorstop and drop off packages)
✔️Function as an Independent Contractor (get to write off mileage)
✔️Insurance covered by Amazon while you are doing deliveries
✖️No clue where you’ll be delivering to until you get there
✖️Use your own gas
✖️Function as an Independent Contractor (file your own taxes)
✖️Hard to get multiple shifts per day (limited earnings)
So would I recommend it?
It’s a decent side hustle!
Let’s put some numbers to it:
Say you do 1 shift M-F and earn $54 for 3 hour shift.
You earn a minimum of:
This is a huge help for any household.
So while it’s not my favorite side hustle ever, it’s a really great one for flexibility, hourly rate, and ease of use.
If that ain’t the truth. 😅
You can have a debt free holiday without credit card balances that follow you around during 2022.
Start those savings NOW and save what you can.
I personally love using @qapital for my Christmas sinking fund.
It’s automatic, builds up quickly, and you can gamify it.
Use whatever account you like— just make this a priority!
🛑UNIQUE SHORT TERM RENTALS ARE WHERE THE MONEY IS🛑
Okay, now that I have your attention- hear me out.😆
Data shows that unique stays are what people are seeking.
✖️Hosts of unique stays have earned over $300 MILLION last year.
✖️Unique stay searches have increased by 94%
If you’re getting into Airbnb’s and short term rental market, make sure you listen to the latest episode of The Money Nerds and get a BTS scoop on why we are going all in on this niche.
Seeing lots of articles saying to sell stocks, sell your real estate and hunker down for a crash.
I’ll be the first one to say, I have no idea if that will happen (no one can predict a market).
But as a long-term investor, I’m not selling a single stock. 🙅🏼♀️ I’m continuing to invest the same amount I did before.
Don’t let sensationalized stories make financial decisions for you. Trust the process and invest for the long run.
Waimea Canyon is full of picturesque places and has so much to do/see!
🌴Fun fact: this soil is full of so much iron here they have “dirt shirts” that are dyed naturally.
Wishing I brought a white tee to dye. 😆
Sun kissed (burnt) + finding sand in places it should never be. 😅
This is my third trip to Kauai and each time has been so different.
What’s your favorite beach activity?
A) Lounging with a book
B) Snorkeling and water sports
C) Catching sunsets
This is such an important topic for business owners. Listen in if you’ve struggled with boundaries in your life. 💕
Whitney Hansen, the host of the award-winning podcast, The Money Nerds Whitney Hansen had a detailed conversation with our host, Sarah Li Cain to discuss the importance of setting boundaries around her business, and how having boundaries keeps you from creating identities solely around the business.
Check out the latest @plutusawards podcast episode
My happy place. 😍
In the mountains, building stuff, and turning a vision in our head into reality.
Super happy with our walkway progress at my @airbnb project/experiment setting up @cascadedome glamping site in Idaho.
❓Do you want to set up an Airbnb?
❓What’s the biggest thing stopping you from starting?
Snuck away for a quick overnighter at this lookout tower at 8200’.
The stars, sunset and sunrise were amazing.😍
It’s fall time in the mountains. 🍂
Such an important reminder.
If you find yourself spending money as fast as you get it, this can be a huge underlying scarcity mindset.
Scarcity mindset isn’t always hoarding money, a lot of times it’s the exact opposite and spending every dime you have the minute you get it.
I’ve been talking about this book a lot.
Like, really good.
If you’re looking for some cliff notes takeaways from the book to see if you might be interested in it-
listen to today’s 5TF on the Money Nerds .
Join in and learn more about investing! 🎉
I ask all of my 1:1 coaching clients what their 3 core values are.
This is SO important!
When you know what’s most important to you, you can make better financial decisions.
Here’s how this looks in practice.
My core values are:
Anytime I make a financial decisions- I ask if it is aligned with my core values.
At this stage, anything that costs financial security isn’t worth it to me.
When you start to create a financial plan that encompasses what’s important to you, money starts to feel fun!
What are your 3 core values?
I almost forgot about this flip!
The top is not screwed down so it is off centered. 😆
✅ ITEM- Kitchen table
🏷 PAID- $50
💰 SOLD- $150
🔨 WORK DONE- Took the decorative lip off the table
⏰ TIME TO SELL- 1 day
If you want to get into furniture flipping and learn all my secrets- go to YouTube.com/TheWhitneyHansen and watch the video.
In a world where we are so focused on outer appearance, it’s hard to remember that *everyone* struggles with money sometimes.
You just never see it discussed publicly.
Money shame is a really detrimental thing to your:
Start by normalizing the struggle.
Tell those around you when you’re going through a tough time—they likely have/are going through similar things.
You’re not alone.
Everything comes down to habits.
Learning about the habit loop legit transformed my finances in a lot of ways.
If you’re thinking “what the heck is the habit loop?” Listen to the latest episode on The Money Nerds podcast.
It’s the BOMB!
Updated list of side hustles I am personally interested in testing/trying.
Some of these might make you go “hmmm.” 😂😂
Listen in for the full list of 5 side hustles I’m interested in.
This just in, student loan payment pause is being extended through January 31, 2022.
What does this mean?
1) if you’re struggling to make ends meet, you get a bit more grace to find employment.
2) if you can afford the payments, now is the time to make as much progress towards paying off your student loans that you can. Your money will go a lot further.
Interested in solo travel, but are a bit nervous and don’t know where to start?
Then go listen to the recent 5TF episode and start planning your solo adventure. ☺️
This is my phone screen background.
We look at our phones a bazillion times a day, it might as well be an affirmation. ☺️💕
It’s my birthday!!🎉🎉
33 years young. 😆 A couple years ago I started setting birthday goals.
This year my birthday goal is 33 hikes.
So I’m spending most of this afternoon planning out my adventures so that I have all my hikes in order. (With a big cup of ☕️)
Do you set birthday goals? If so— what are you working towards?
Note to self 📝
Double tap if you agree.
Once upon a time, when I was just 17, I bought a car.
It was a convertible and super cute. I financed it.
The car had a couple questionable things like a knocking sound, but the dealer assured us it was allll good.
Like an idiot, I believed him.
Fast forward 2 months later, my car engine blew. Turns out that knocking sound was a rod.
I was stuck paying $120 per month for a car I couldn’t drive AND trying to save $1,200+ for a new motor.
This is one of the many reasons I’m anti car payment (most are because too many people sign up for $25k debt without even having a $25k net worth). And we all know cars are a depreciating asset.
For me- car payments cost me too much of my peace of mind.
What’s something you said never again to in your financial life?
Looking for a good financial book? 📚
I have been loving this one!
Some of my favorite takeaways are:
✖️Earning wealth and KEEPING wealth are totally different beasts.
✖️Respect luck. It plays a huge role in our financial successes.
✖️Margin of safety- factoring in the cost of losing is critical to building wealth (those that don’t usually lose big time).
✖️ It’s hard to calculate the ROI on emergency funds that allow you peace of mind, and the ability to walk away from a job you don’t like.
✖️ Most people’s happiness comes from feeling in control over our time. We sometimes leave great jobs with fulfilling work if we don’t feel in control of the way our time is spent.
I’m about 80% done with this book so I’ll be sure to share any additional takeaways. 📚🐛
What’s a money book you recently read that you enjoyed?
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