5 Rich Girl Money Rules To Never Rely on Somebody Else

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1. Keep a Side Income or Backup Stream

If your main income ever takes a hit, your backup stream becomes your lifeline.

You’ll feel ten times more confident when you know money’s still coming in. No panic required.

Here’s how you keep the cash flowing even if life throws curveballs.

• Start small with what you know. Babysitting, freelancing, or reselling things online can kick things off.
  
• Use free time wisely. One hour a day can turn into real money after a month.
  
• Reinvest earnings. Use side income to pay debt, grow savings, or fund new skills.
  

👉 Here's How You'll Do It: Pick one skill or service people already ask you for, offer it once this week, and set aside that first payment for your backup fund.

2. Build a Strong Emergency and Opportunity Fund

A rich girl never panics when life gets messy. She’s already covered.

Your emergency fund is your “I’m fine” money, no matter what happens.

It’s what lets you breathe easy when your car battery or job decides to quit.

• Start with a $1,000 mini fund. Then grow it to 3–6 months of expenses.
  
• Use a separate account. You’ll be less tempted to spend it on impulse buys.
  
• Name it something fun. “Freedom Fund” or “Peace Account” keeps you motivated.
  

👉 Here's How You'll Do It: Open a new savings account, transfer a small weekly amount, and treat it like rent. non-negotiable.

Make It Easy: Try a Betterment Cash Reserve Account to automatically grow your emergency fund with interest while keeping it accessible.

3. Learn Skills That Can Always Earn You Money

The more skills you have, the less you’ll ever depend on someone else.

Money confidence comes from knowing you can earn it. anytime, anywhere.

You don’t need a fancy degree, just skills people actually pay for.

• Start with profitable skills. Graphic design, copywriting, cooking, or bookkeeping all have huge demand.
  
• Learn online for cheap. Short courses beat expensive schools every time.
  
• Practice by helping others. Build confidence (and maybe a few clients) for free first.
  

👉 Here's How You'll Do It: Choose one skill you’ve always wanted to monetize, set a 30-day learning goal, and start practicing it daily.

Make It Easy: Take a beginner-friendly online class on Udemy to learn your new money-making skill step by step.

4. Keep Separate Bank Accounts No Matter Your Relationship Status

You can love someone deeply. And still keep your money separate.

Having your own accounts isn’t about mistrust. It’s about security and independence.

If something changes, you’re not financially stuck waiting for anyone.

• Have your own checking and savings. It gives you control and privacy over your cash.
  
• Share only what’s necessary. Keep joint bills in one account, but save your goals privately.
  
• Always know your balance. Staying aware equals staying empowered.
  

👉 Here's How You'll Do It: Open your own account today, label it “Personal Freedom,” and start routing your paycheck directly there.

Make It Easy: Get a zippered wallet to keep your debit cards and financial documents separate and safe.

5. Build Credit in Your Own Name

A good credit score is like a VIP pass. You get better deals, faster approvals, and more freedom.

Without it, you’re just paying more for the same things as everyone else.

It’s time to make credit work for you, not the other way around.

• Use your card smartly. Spend small, pay off fully every month.
  
• Keep old accounts open. A long credit history boosts your score.
  
• Check your credit often. Staying informed prevents costly mistakes.
  

👉 Here's How You'll Do It: Use one low-limit credit card for groceries and pay it off before the due date every single month.

Make It Easy: Use Credit Karma to track your score for free and get personalized improvement tips.

📌 SAVE IT FOR LATER! 📌