Glowing up your finances is just as important as glowing up physically. Luckily, it doesn’t have to be hard either – join me and I’ll show you how to do it!
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***THINGS MENTIONED IN THIS VIDEO! 👀***
💫 How to Rollover Your 401k:
💫 How to Start Investing for Beginners:
💫 Index Funds vs Mutual Funds vs ETF:
💫 Roth IRA vs Traditional IRA vs 401K:
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***BOOKS I RECOMMEND 📚***
I Will Teach You to Be Rich (hilarious how-to book on personal finance for millennials)
The Little Book of Common Sense Investing (Jack Bogle’s classic advice on index funds)
InvestED (step-by-step, millennial-friendly advice on how to pick stocks like Warren Buffett)
Unshakeable (this book = courage. blast ALL the fears & misconceptions you have about investing)
Rich Dad Poor Dad (#1 selling personal finance book of all time… need I say more?)
Think and Grow Rich (the ultimate book on money mindset and wealth consciousness)
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***MY FAVORITE MONEY TOOLS 🖤***
YNAB (I literally can’t live without this budgeting app, so obsessed)
Wise (like Venmo but for international currencies – I use this app a LOT for my life in Mexico)
High-Yield Savings Accounts (don’t settle for 0% when you can get 3%+ on your savings)
Ledger Nano S (crypto storage hardware wallet, because “Not Your Keys, Not Your Crypto”!):
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DISCLAIMERS & DISCLOSURES ❤
This content is for education and entertainment purposes only. Rose does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Investing With Rose is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com. Thank you for your support!
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The Ultimate Guide to Your Financial Glow Up (in 7 Easy Steps)
We all want to improve our financial situation and achieve a better future. Whether it’s paying off debt, saving for a big purchase, or just getting better control over our money, a financial glow up is within reach. Follow these seven easy steps to start your journey towards a brighter financial future.
1. Set Clear Financial Goals
The first step to any successful transformation is identifying your goals. Take some time to reflect on what you want to achieve financially. It could be getting out of debt, building an emergency fund, or planning for retirement. Be specific and set realistic targets that motivate you to take action.
2. Get Your Budget in Order
Creating a budget is crucial to gain control over your finances. Start by tracking your income and expenses for a month to understand where your money is going. Then, create a budget that allocates funds for essential expenses while leaving room for savings and debt repayment. Stick to this budget and make adjustments whenever necessary.
3. Tackle Debt
Debt can be a significant obstacle on your path to financial freedom. Prioritize paying off high-interest debt such as credit cards or personal loans. Consider using the avalanche or snowball method to pay down balances systematically, choosing the approach that suits you best. Cutting unnecessary expenses or seeking additional sources of income can accelerate your debt repayment journey.
4. Build an Emergency Fund
Creating an emergency fund ensures you have a safety net for unexpected expenses. Aim to save at least three to six months’ worth of living expenses. Start by setting aside a small portion of your income each month, gradually increasing the amount as you become more financially stable.
5. Save for the Future
While building an emergency fund is crucial, don’t forget about long-term savings. Start contributing to retirement accounts such as 401(k)s or IRAs as early as possible. Take advantage of employer matching contributions and explore other investment options, such as index funds or real estate, to grow your wealth over time.
6. Educate Yourself
Financial literacy is key to long-term success. Take the time to educate yourself about personal finance concepts through books, podcasts, or online resources. Understand the basics of investing, debt management, and budgeting. The more you know, the better equipped you’ll be to make smart financial decisions.
7. Stay Committed and Adjust as Needed
Achieving a financial glow up is not a one-time event but an ongoing process. Stay committed to your goals and consistently review your progress. Don’t be afraid to adjust your strategies if they’re not working for you. Remember, financial success takes time and patience.
In conclusion, improving your financial situation and achieving a financial glow up is possible with a bit of dedication and the right strategies. Set clear goals, create a budget, tackle debt, save for the future, educate yourself, and stay committed. Through these steps, you’ll be well on your way to a brighter financial future.
Are you going to try this glow up? Let me know 🙂
Nail? Waste of money
What money ?
Rose is so beautiful
Avoid stringently following a "scarcity mind."
"There's only a certain point in which you could cut expenses in this day and age with the technology and opportunity that we have. It's actually easier to go out and make a thousand bucks extra than it is to save 500 bucks," he said.
Instead of only looking to cut expenses, people looking to make extra money should identify their skill set or value and turn it into an efficient service or product. (New York, California exodus continues, but ‘catastrophic effect’ of Biden economy may be on the way: Experts Story by Nikolas Lanum •
8h
Ms. Han, I see that you like to talk in conceptual theories and abstract terms, but in the big boys' world, wealth, power, and positional authority is an upright pyramid and not an inverted one because it gets smaller and smaller in terms of the number of people as you go up the ladder … so can you explain to your audience what "in-group think" is or influence buying and the human tendency to limit open competition through obstacles and exclusions is all about.. and how real they are in the real world. There are more millionaires in the world than you care to count, but if you want to be in that top 10 – 15 percentile, and who would not, since, as you say, why limit yourself, then you need to pay attention to the arbitrary barriers as mentioned because it will invariably come into the picture. Remember Jack Ma, what brought him down … as one example out of many. Also, how many people, en mass, lost everything during the Korean War (1950-1953) because of the communist takeover, and how many chaebols went under because they fell out of favor w/ the government … including countless sub-contractors that were employed under them… hint: check "Dawoo" conglomerate for a starter! Macro rules micro! I am sure you have heard that!
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Ms Claudia Jenkins.
Ms. Han, how much did you pay for your house? I see you claim that you do whatever you want except for one thing and that is you are still busking/hustling for that YouTube income, no?
This was such a cool interactive video. Nice work.
financial furus love posting the same video over and over
Very informative! Thank you so much for sharing ❤
Thank you for your tips. But I’m currently in Latvia just don’t know which investment is better for beginner like me. Currently exploring Revolut stocks and savings.
Your employer puts $2 for every $1 you put in your 401k? Where do you work?
You’re really making a difference! Thank you
Rose I have a plan called 403b at work. But i dont really understand how it woks. Can you tell me more.
I love the concept of this video! Also really appreciated how you showed what investing actually looks like. I’m comfortable with it now, but it was so intimidating the first time I did it, and this makes it so much more accessible.
Do you still do Magic Formula Investing? Did you ever try Acquirer Multiple Strategy?
Rose, I appreciate all the information you give us. As an independent contractor would you please share your journey of paying yourself? I get overwhelmed with how to divide my payments for myself: HSA, Roth, high savings, etc.
Just buy crypto. Sad before, happy after.
this was an amazing video! love the content and editing style
Great thanks
Looks like you just phoned this video in. Please put more effort into these like you used to. This one was a complete waste of everyone's time.
Buy QQQY and JEPY!
Rose. HANDS DOWN you have the best Thumb Nails.
@itsrosehan Thank You for the great video and all the content! What camera did you use to shoot this video? Thank you!
It'll help your mental state too to jot have anxiety about money…money issues in relationships or dating someone only because they have more money than you
I’m glowing up, baby!
Hi Rose! Thank you for your hardwork in putting up all these videos! I recently found your videos from three to four years ago and i got hooked! ❤ however i am a tad confused as one of your older videos you mentioned you cut out unnecessary expenses — you stop getting your nails done. We all know how costly gel mani Pedi w nail art are… so may i know why did you decide to get back to it (obviously we know you can afford everything you want now) but just wanting to know your motivation and beliefs behind why you do what you do at each turning point or big milestones. Since you shared w us every dollar counts! Does this fall under the category of 'variable expenses – wants'? Or is it a treat to spark joy ? I recalled you mentioning we have to question every single expenditure in our expense sheet. N not being a lifestyle creep. How do we gauge here ? Unless all we are doing in the interim before living the "rich" life as the destination point is to live "poor" first. All women want to look pretty. This is just an example… anw just challenging values and principle. As it is subjective n personal. 🙂
thank you!
I paid off my credit card debts!! Woohoo 400,000 more in student loans togo
LOVED this editing on this video!
Does she have a sister by any chance?
Enjoyed the different video style, made me laugh. Thank you for sharing, always look forward to your videos xx
Any recommendations for a High-Yield Savings Accounts when a resident in Europe (Austria, specifically)?
Do u live in Mexico now?
I’m locked out of Thinkorswim, now that Schwab bought Tdameritrade, so can’t even use that. Anyone having same problem?? They said you can’t use it till November as they will be adding more garbage features to it that we don’t need.
Yes I will do this starting next year with a better job.
Rose did financial security transform you into quite a hottie?