17 Things Broke Girls Do That Rich Girls Never Would!

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One year ago, I was eating out every night. After a long day at work and an hour long commute, the last thing I wanted to do was cook. I told myself, “I’m too tired to make myself a healthy meal at home,” so I justified the constant Uber Eats orders and overpriced takeout. What I didn’t realize was that this habit wasn’t just draining my bank account—it was keeping me stuck in a cycle of financial struggle.

As much as it hurts my pride to admit it, I was living like a broke girl last year. I was stuck in a cycle of bad financial habits—eating out every night, impulse shopping, and never saving a dime. But this year, I decided things had to change. I want to live that rich girl lifestyle—shopping without checking price tags, traveling to beautiful destinations, and indulging in amazing food without guilt. I mean, who wouldn’t want that?

But here’s the hard truth: the way I was living wasn’t going to get me there. So, I took a step back and studied why wealthy women keep getting ahead while others (like me at the time) stay stuck. The difference? It all comes down to daily habits and mindset.

In this post, we’re breaking down 17 habits that keep you broke—and what wealthy women do differently to build lasting financial success. Let’s dive in!

1. Broke Girls Stay Broke Trying to Look Rich

One of the biggest mistakes broke girls make is spending money they don’t have to impress people they don’t even know or like. They splurge on designer bags, expensive shoes, and luxury vacations – all just to look rich, even if it means stressing over maxed-out credit cards or barely making it to their next paycheck.

Rich girls? They play a different game. They know that real wealth isn’t about flashy things—it’s about financial security, smart investments, and long-term success. Looking rich and actually being rich are two completely different things.

Instead of trying to keep up with an Instagram-perfect lifestyle, shift your focus to building real wealth. A high-value woman invests in herself, not just in material things.

2. Broke Girls Think Wealth is Loud, But Real Wealth Moves in Silence

Many broke girls believe that wealthy people are always showing off. Flashy cars, designer logos, and unlimited shopping sprees. But in reality, real wealth is quiet.

Think of self-made millionaires—they don’t waste time nor money proving their wealth to others. They invest wisely and make their money work for them while they live life on their own terms.

And that? That’s the real flex. Financial freedom will always be more powerful than a designer logo.

3. Broke Girls Go Broke Trying To Keep Up With the Joneses

Ever felt the pressure to buy something just because everyone else has it? A new luxury car, a new designer bag, or the latest iPhone – anything to keep up with the Instagram-perfect lifestyle. But here’s the problem – Keeping up with the Joneses is a fast track to staying broke.

Rich girls? They don’t spend money to impress others. They stay focused on their own goals. They understand that what someone else has doesn’t define their own success. Instead of trying to keep up, they build wealth on their own terms.

4. Broke Girls Are OK With Settling for the Bare Minimum

This is NOT OK!! If you only do the bare minimum, you’ll always get bare minimum results. Broke girls become comfortable with just getting by. They don’t ask for raises, they don’t push for promotions, and they stay in situations that don’t serve them.

Rich girls, on the other hand, they refuse to settle. They always strive for more. They are ambitious, they negotiate their salaries, or they seek better opportunities that increases their income.

The difference between staying broke and leveling up? Your standards. Stop settling for less than you deserve. Go after what you want.

5. Broke Girls Obsess Over Cutting Costs, Rich Girls Focus on Making More Money

Many broke girls are obsessed with saving pennies rather than making dollars. They skip their lattes, clip coupons, buy everything on sale, and constantly stress over every expense —thinking that frugality alone will make them rich.

Rich girls? They think bigger. They know the real secret to wealth isn’t just cutting costs—it’s earning more. They look for ways to increase their income—through promotions, side hustles, investments, or businesses.

Here’s the truth: there’s a limit to how much you can save, but there’s no cap on how much you can earn. Shift your mindset from scarcity to abundance, and start focusing on growth, not just restriction.

6. Broke Girls Waste Time – Rich Girls Invest It

Time is the most valuable asset, and broke girls waste it scrolling on social media, binge-watching TV shows, gossiping, or procrastinating. hey say they “don’t have time” to start a side hustle, learn new skills, or work on their goals—but somehow, they always find time for distractions.

While it’s okay to relax after work, rich girls make sure they still use their time productively. They treat their time like money. They read, take online courses, work on their side hustles, or plan for the future.

Time is the one thing you can never get back—start using it wisely. After work, spend at least an hour every day working on something that will benefit your future.

7. Broke Girls Rely on One Source of Income—Rich Girls Build Multiple Streams

One paycheck is too risky. If that job disappears, so does the income. Broke girls put all their eggs in one basket, all their trust in that single paycheck while living in constant fear of what might happen if they lose their job.

Rich girls? They don’t play that risky game. They create multiple streams of income—investments, side businesses, passive income, and more.

Relying on just one paycheck keeps you stuck in survival mode. Start thinking like a rich girl and create new ways to make money.

8. Broke Girls Fear Investing—Rich Girls Make Their Money Work for Them

Broke girls think investing is too risky, too complicated, or only something only the ultra-wealthy can do, so they avoid it. They wither let their money sit in a low-interest savings account—or worse, they spend it all—never giving it the chance to grow or build wealth.

Rich girls? They learn how to invest, take calculated risks, and make their money work for them.

Here’s the truth: Investing is risky, but not investing is the biggest risk of all. Inflation eats away at savings, but investments build wealth over time. Stop fearing money and start making it work for you.

9. Broke Girls Have a Victim Mentality – Rich Girls Take Control

Broke girls blame their circumstances. They blame the economy, their upbringing, or bad luck for their financial struggles. They stay stuck because they believe their success is out of their hands.

Rich girls? They take full responsibility for their lives. They know that while they can’t control everything, they can control their mindset, their work ethic, and the way they handle their money.

So, stop making excuses. Start making moves. Your future is in your hands.

10. Broke Girls Avoid Talking About Money—Rich Girls Make It a Priority

Broke girls find it uncomfortable to talk about money so they don’t find ways to ask for a raise, or seek financial advice. They hate facing their financial problems, so they ignore them while hoping things will magically work out.

Rich girls talk money, learn money, and make money. They aren’t afraid to negotiate their salaries and seek financial advices. They know that understanding money is the first step to building wealth.

Ignoring your finances won’t make money problems disappear. Start having real conversations about money—because rich girls aren’t afraid to talk numbers.

11. Broke Girls Rely on Luck—Rich Girls Build Success with Strategy

Broke girls hope for a lucky break. They pray to win the lottery or stumble upon wealth.

Rich girls don’t wait for luck—they take action. They create plans, set goals, and make consistent moves that lead to their success. They know that money isn’t about wishful thinking but about consistent effort and smart decisions.

Wealth isn’t luck, it’s a mix of strategy, hard work, prayers and a little bit of luck.

12. Broke Girls Avoid Risks—Rich Girls Take Calculated Risks

Broke girls play it safe. They stay in their comfort zones, and avoid trying new things that might challenge them.

Rich girls take calculated risks because they know growth comes from stepping outside their comfort zones. They chase their dreams and refuse to let fear hold them back.

No risk, no success. Never let fear stop you from pursuing success.

13. Broke Girls Live Paycheck to Paycheck—Rich Girls Live Below Their Means and Build Wealth

Not everyone has the same financial opportunities, and sometimes life is tough. But that it not an excuse to why you can’t build wealth. Living paycheck to paycheck keeps you stuck and living in a constant state of financial stress.

Rich girls live below their means. They prioritize saving and investing, even if they start small. They don’t just survive—they plan for a better future. Even saving a little each month can make a big difference over time.

14. Broke Girls Prioritize Instant Gratification—Rich Girls Plan for the Future

Broke girls spend impulsively instead of thinking long-term. The thrill of a quick buy or a night out feels great in the moment, but it’s followed by the stress of regret and financial anxiety.

Rich girls delay gratification because they know that real wealth is built over time. They make smart choices by saying no to unnecessary purchases today so they can enjoy financial freedom tomorrow.

15. Broke Girls Ignore Self-Improvement—Rich Girls Invest in Personal Growth

Broke girls stop learning after school. They’re comfortable with settling where they are, stays in an environment that doesn’t push them to grow.

Rich girls never stop growing. They understand that personal growth is key to financial success. They read books, take courses, and invest in skills that make them more valuable. They know that the more you learn, the more you earn. So, stop ignoring growth and start investing in yourself.

16. Broke Girls Surround Themselves with the Wrong People—Rich Girls Build a Network of Growth

The people around you influence your mindset. Broke girls often surround themselves with people who keep them stuck. Whether it’s friends who encourage bad spending habits, negative energy, or those who don’t believe in personal growth, these relationships can hold them back from reaching their full potential.

Rich girls surround themselves with ambitious, successful people who inspire and challenge them to grow. They know that who you spend your time with is who you become.

If you want to level up, you need to be around people who push you to grow, not keep you where you are. Choose your circle wisely.

17. Broke Girls Don’t Believe They Deserve Wealth—Rich Girls Know They’re Worth It

Broke girls often struggle with feelings of unworthiness. They think that wealth is not for them, so they subconsciously hold themselves back from going after opportunities or creating the life they want.

Rich girls adopt an abundance mindset and know they are worthy of success.They don’t let limiting beliefs hold them back. Instead, they take action, set goals, and pursue their dreams with confidence.

If you don’t believe you can be rich, you never will be.

Change your mindset—you deserve wealth and success!

Now, here’s something to think about—which of these habits do you recognize in yourself? And more importantly, what are you going to do to change them? If you’ve made it this far, it means you’re serious about transforming your mindset and financial future.

We all start somewhere, and no matter where you are today, you can make different choices starting right now. Success isn’t about where you come from—it’s about what you do with what you have.