Rich Girl Habits: 5 Simple Money Moves That Will Make You Feel Like a Millionaire
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You don’t need a trust fund or a six-figure salary to start living with rich girl millionaire energy. That rich, soft life you’ve been daydreaming about? It starts with a few intentional money moves that make your finances feel elevated—even if you’re still in your budgeting era.
Now, I know what you’re thinking: “I’ve heard some of these tips before…” And honestly? You probably have. But don’t scroll away just yet—because today, the challenge is on me to convince you to stop just knowing the advice and actually start doing it.
I’m sharing 5 simple yet powerful money moves that are totally doable, and for each one, I’ve got actionable tips to help you get started today—because feeling like a millionaire isn’t about the number in your bank account, it’s about the way you move through life.
5 Rich Girl Money Habits To Start Doing Today
1. Save in a High-Interest Savings Account
Make your money work for you.
That’s the first and most important money rule I picked up when I read Rich Dad, Poor Dad during the 2020 quarantine.
It changed the game for me. Before then, I thought saving money was just about hoarding it in a regular account and watching it sit there like a lazy roommate.
But real wealth? It’s about putting your money in places where it quietly grows—even while you’re sleeping or binge-watching true crime documentaries.
Enter: the high-interest savings account (HYSA).
Most traditional banks are still giving you pennies on your savings (literally—like 0.01% interest). But a HYSA can offer 4% or more, depending on the provider.
That means your money earns money just by existing there. It’s the easiest, most low-effort way to start building that rich girl cushion.
How to Start:
- Choose a trusted HYSA provider
- Set up automatic transfers
- Label your savings goals so it feels intentional and fun
- Keep it separate from your everyday money
RELATED READ: How to Become A Rich Girl: 20 Money Goals For Your 20s
2. Create a Rich Girl Budget You Actually Love
If you constantly find yourself saying “Where did all my money go?” when your budget’s already crying halfway through the month—this one’s for you.
The truth is, budgeting isn’t about limiting yourself or giving up the things you love. It’s about giving every dollar a job and making sure your money is going where it actually matters.
When you create a budget that reflects your lifestyle, your goals, and yes, your soft girl desires—you stop feeling broke and start feeling in control.
Tracking your spending shows you exactly where your money disappears (spoiler alert: it’s probably those little “treat yourself” moments that add up). But once you know where it’s going, you can start spending with intention.
How to Start:
- Track your current spending for the past 1–2 months
- Create categories that fit your lifestyle – Essentials, Treat Yourself, Glow-Up Fund, Debt Payoff, Investing, Travel, Emergency Savings, etc. Make it cute and practical.
- Assign your income to each category on payday
- Review your spending weekly
RELATED READ: 5 Sneaky Expenses To Cut To Save More Money
3. Start Investing & Buying Assets
Like I’ve mentioned before—rich people don’t just work for money—they make money work for them. And one of the most powerful ways to do that? Investing.
You’ve probably heard about investing before, and maybe it felt a little intimidating or like something you’ll “figure out later.” But here’s the thing: the earlier you start—even with small amounts—the more time your money has to grow thanks to the magic of compound interest.
Compound interest is basically your money earning money on top of the money it already earned. It’s like giving your cash a 9-to-5 job of its own.
The longer you let it chill and grow, the bigger your wealth becomes—without you constantly hustling for it.
This is why investing isn’t a get-rich-quick thing. It’s a long-term flex. Real wealth is built with patience and consistency.
How to Start:
- Pick a beginner-friendly platform
- Focus on simple, stable investments as they’re diversified, low-risk, and historically reliable
- Set a recurring investment schedule
4. Add an Income Stream (Even if It’s Tiny at First)
Here’s a stat to lock in: the average millionaire has seven streams of income.
Yep—seven. That means they’re not relying on just a 9-to-5 paycheck to fund their lifestyle. And while that might sound intense, it’s actually a really fun and empowering challenge for all of us to start working toward.
Because here’s the truth: One income is too close to none. Life happens. Layoffs happen. Burnout happens. But when you start stacking income streams—even small ones—you give yourself options, peace of mind, and the freedom to build the life you actually want.
And no, you don’t have to launch a full-blown business overnight. You can start by monetizing things you already know, love, or do naturally.
How to Start:
- Look at your skills & hobbies
- Love organizing? Offer digital planners or templates on Etsy.
- Good at writing? Try freelance gigs or ghostwriting.
- Obsessed with skincare? Affiliate links, girl. Build content around it.
- Artistic? Sell your designs on print-on-demand platforms.
- Pick income streams that fit who you are and your lifestyle
- Start small, stay consistent
RELATED READ: How To Build a Side Hustle Without Quitting Your 9-5
5. Invest in Self-Education, Rich Girl
Let’s get one thing straight: learning doesn’t stop when you finish school.
In fact, real financial glow-ups happen when you start learning on your own terms—through books, podcasts, courses, and just getting curious about money and mindset.
The most successful women I know are always learning. They read, they take workshops, they listen to experts. Because when you level up your knowledge, you level up your options. It’s the most underrated investment with the highest return.
Plus, self-education is so accessible now. You don’t need to spend thousands on a degree. Some of the best money moves I’ve ever made came from a $15 book or a free YouTube video. The key is to take action from what you’re learning, that’s where real magic happens.
How to Start:
- Read books that shift your habits and mindset about money
- Start listening to podcasts that empower you financially
- Take a money course that excites you
- Make learning part of your routine
Okay, bestie—let’s be real. You don’t have to be a millionaire to start thinking like one. These five simple money moves aren’t just about building wealth—they’re about stepping into a new mindset. One where you’re in control, confident, and setting the tone for a life of financial ease and freedom.
Some of these tips you’ve probably heard before—but remember, the challenge wasn’t just to read them. It was for me to convince you to start. So here’s your sign: take one action today. Just one. Because when you do? You’re no longer just manifesting—it’s already happening.
Stop dreaming of your millionaire era, babe.
Start stepping into it.
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