How to Enter Your Rich Girl Era in 2025

Let me be clear: I’m going to be rich. There is absolutely no version of reality where that doesn’t happen for me.

And if you’re here, reading this post, then I already know you’re in your rich girl era too — whether you’re living it or about to step into it.

Because when you want wealth bad enough, you’ll pull all the energy, time, and intention into figuring it out.

I’ve read all the money books, binged videos on millionaire habits, studied wealth psychology, and—maybe most importantly—observed all the money mistakes people make that keep them broke.

This blog is your full-on financial glow-up:

Let’s start with the most underrated part of becoming rich:

Chapter 1: Build An Abundant Money Mindset

Before we even talk about savings, investments, or side hustles, you need to do the inner work.

Money is energy. Money is mindset. And until you master your relationship with it, you’ll keep blocking your own abundance.

Step 1: Master the Mindset of Abundance

Let me tell you a quick story.
In January 2023, I made my first luxury purchase: a Coach tote bag for around £200.

I justified it because I needed a durable, stylish bag for my camera gear and laptop.

Still, I was fresh out of uni and honestly… terrified.

That was a lot of money for me at the time.

Fast-forward six months later… I was in Paris buying my first Chanel Classic Flap Bag.

Wild, right?

That level-up wasn’t luck — it was mindset.

I had spent the early months of 2023 reprogramming my money beliefs.

I stopped saying “I can’t afford it” and started asking “How can I afford it?” I visualized financial abundance.

I journaled. I manifested. I even found a note in my Snapchat memories from that time that said “I will make six figures in a year.”

I wasn’t even close back then… but I believed it.

And belief is where everything starts.

Step 2: Stop Putting Money on a Pedestal

Here’s the thing — money isn’t the goal.

You are.

Stop worshipping money like it’s the end-all-be-all.

Money is just a tool to get what you truly value — joy, freedom, health, experience. Start seeing yourself as the prize.

You’re the pedestal, not the paper.

Start treating money like what it is: a currency. A tool.

And tools are meant to be used — not hoarded, feared, or clung to.

When you release the fear, money starts flowing. Period.

Step 3: Speak Wealth Into Existence

Say it with me: “I am abundant.”

No more “I’m broke.” No more “That’s too expensive.”

Even if your current reality is tight, start choosing words that speak to your future self.

Because your words shape your beliefs, and your beliefs shape your bank account.

Here’s a quick mindset switch for you:

• ❌ “That’s too expensive.”
  
  
• ✅ “That’s a goal I’m working toward.”
  
  

It’s not about lying to yourself — it’s about aligning your energy with the version of you that has what you want.

Millionaires don’t walk around saying “I’m broke.”

So why should you?

Step 4: Set Healthy Money Boundaries

This was a game-changer for me.

When I started making more money, I was terrible at managing it.

Overspending.

No real budget.

No net worth goals.

Sound familiar?

I had to learn the difference between spending to look rich and managing money to become rich.

And yes, that meant sometimes saying no to things I could afford — because the long-term vision matters more.

True abundance means investing in your future self.

That might look like putting money into assets, a business, or even therapy — instead of blowing it all at Zara every weekend.

Chapter 2: Stop Making These Money Mistakes 

Now that we’ve talked about mindset, let’s shift into something just as important: the money mistakes that are quietly keeping so many people from building real wealth.

Mistake #1: Relying on Credit Cards or “Buy Now Pay Later”

One of the biggest traps is spending money you don’t currently have.

Whether it’s credit card debt or buy now pay later services — it’s not helping you in the long run.

These tools are designed to make you spend more, not to support your financial goals.

A rule I go by is: if you can’t afford to buy something three times over, don’t buy it yet.

It’s not about depriving yourself, it’s about being honest with where you are financially and choosing long-term stability over short-term pleasure.

Mistake #2: Trying to Do Too Many Things at Once

It’s great to be ambitious, but sometimes doing too much spreads you too thin.

I’ve seen people try to run multiple small businesses, freelance, and work a full-time job all at once — and in the process, they end up being average at everything instead of excellent at one thing.

If you want to grow financially, focus matters.

Being the best in your field or industry naturally attracts higher pay, better clients, and more opportunities.

You don’t need to do five different things — just choose one and commit to it.

Mistake #3: Being Afraid to Spend on Essentials

There was a time when I avoided buying fruit at university because I thought it was too expensive.

I lived on frozen meals and cheap snacks.

Looking back, I regret it. It wasn’t saving me money — it was affecting my health, energy, and ability to do well in my work.

It’s important to understand that some spending is necessary and valuable.

Don’t starve yourself or skip essentials out of fear.

Investing in your well-being is part of building a stable and successful life.

Mistake #4: Staying in the Same Job Too Long

Many of us were raised to believe that staying loyal to one company is the key to a stable career.

But in reality, it can hold you back.

Studies have shown that staying at the same job for more than two years can actually limit your lifetime earnings by over 50%.

It’s okay to ask for a raise, look for better opportunities, or switch jobs.

You’re not being disloyal — you’re being smart about your growth.

Your financial progress should always come first.

Mistake #5: Comparing Your Finances to Others

Social media has made it really easy to assume that everyone is doing better than you.

But the truth is, you never really know someone’s financial situation.

Some people are in debt, some get help from family, and others may be living way above their means.

Comparing your life to someone else’s highlight reel only creates pressure and stress.

Focus on your own journey. Set realistic goals and build a life that’s sustainable for you.

Mistake #6: Not Budgeting Properly

One of the most important things I learned was that just because money is in your account doesn’t mean it’s all yours to spend.

Here’s how I break it down:

• A portion goes to taxes.
  
  
• 30% goes to living costs (rent, bills, groceries).
  
  
• 20% goes to investments.
  
  
• A part goes to savings.
  
  
• And what’s left is what I can actually spend.
  
  

If you look at your whole paycheck as spending money, it’s really easy to go overboard.

Creating a system like this helps you stay in control.

Mistake #7: Saving Instead of Investing

For a long time, I thought the key to financial success was saving as much money as possible.

But I didn’t realize that money sitting in a regular bank account actually loses value over time because of inflation.

Wealthy people don’t just save — they invest.

Whether it’s in the stock market, retirement accounts, or their own businesses, they make their money work for them.

I still keep three months of living expenses in a regular savings account for emergencies, but after that, I invest the rest.

Even opening a high-interest savings account with my bank has helped my money grow more than it ever did sitting still.

Rich Girl Habits That Will Make You Wealthy

1) Make Credit Cards Your Friend

Listen up—credit cards are not free money, and treating them like they are will destroy your finances.

But if you use them right, they’re one of the best tools to build your credit score, which is essential if you ever want to buy a house, rent an apartment, or make any big moves with your money.

Here’s what I do:

• I put all my regular monthly expenses on my credit card—groceries, clothes, bills, everything.
  
  
• I always pay it off in full and on time every single month.
  
  
• This builds my credit score while racking up points I can use for flights, shopping, or groceries.
  
  

I personally use the Amex Gold Card (American Express) and love it.

You get points on every single purchase, and those points add up fast.

Sometimes, when I go shopping, I’m basically getting my haul for free because it’s all covered in points I earned just by paying bills.

2) Start Small

Social media shows us luxury lifestyles 24/7.

It can feel like your financial goals are so far away that you’ll never reach them.

That’s how the scarcity mindset creeps in.

Let’s shut that down right now.

Your goals should match your current financial position:

• Just started earning? Focus on building an emergency fund.
  
  
• Still studying with no job? Focus on building your financial literacy so you’re ready when the money starts coming in.
  
  
• Already earning? Start by investing 5% of your income into the stock market each month.
  
  

When the goal feels achievable, you stay motivated.

You believe in your ability to hit it, which boosts your abundance mindset—and that mindset is everything.

3) My Stock Market Strategy

Now for the good stuff: investing.

The stock market can be confusing at first, but it’s honestly one of the most accessible tools to build wealth.

And no, you don’t need to be a Wall Street expert to get started.

I personally love ETFs, which stands for Exchange Traded Funds.

Think of ETFs like a basket of multiple stocks.

Instead of putting all your money into just one company (like Apple or Tesla), you’re investing in a whole group.

This spreads your risk and creates more stability.

My fave ETF?

The S&P 500 – it tracks the top 500 biggest companies in the U.S.

Historically, this fund has consistently gone up over time (even with a few dips), making it a great low-risk, beginner-friendly choice.

Here’s where my money goes:

• S&P 500 – my biggest investment, because it’s low-risk and predictable.
  
  
• Nvidia – a single stock that has exploded in growth.
  
  
• Spotify, Apple (even though it’s currently in the red), and Shopify – individual stocks I believe in.
  
  
• Elf Cosmetics – love a good beauty stock with strong returns.
  
  
• FTSE 100 – another ETF that includes the top 100 companies in the UK.
  
  
• Microsoft and TD Bank – these are dividend stocks, meaning they pay you a little bit of money regularly just for holding them.
  
  
• Amazon, Meta, and a few other ETFs that align with my long-term goals.

Girls That Invest by Simran Kaur helped me so much in building the confidence to keep investing—even when the market dipped.

It taught me that the stock market is like a wave.

It goes up and down daily, but over time, it trends up. So don’t panic when you see a dip.

That’s just part of the game.

Key Lesson:

• Don’t pull out your money just because your stocks are in the red one week.
  
  
• The longer your money stays in, the more it grows.
  
  
• Think of the stock market like planting a tree—you don’t dig it up every time you check on it. You water it (aka keep investing), and you give it time.

My personal rule?

I haven’t taken out any of the returns I’ve made yet.

I’m planning to leave them in the market for at least a decade.

Because I know that’s how you get the maximum return.

4) Get a Financial Advisor

Yes, you can get financial advice without shelling out a ton.

My financial advisor doesn’t charge me—he just takes a small percentage of what I invest through him.

He’s helped me:

• Set up a pension.
  
  
• Make smarter, stress-free investment decisions.
  
  
• Stay aligned with long-term financial goals.

Let the experts do the hard work for you.

If rich people do it, we’re doing it too.

5) Real Estate vs. Business Investments

Okay, real talk—I haven’t invested in property yet.

Why?

Because real estate comes with phantom costs: taxes, maintenance, vacancies, and it takes forever to see real returns.

What I do believe in?

Business investments.

• Cash flow is immediate.
  
  
• You control the income.
  
  
• It can scale much faster.

If you do want to explore real estate, consider:

• Airbnb rentals
  
  
• HMOs (renting out individual rooms)

But for me, in my early 20s, stock market and business > bricks and mortar.

6) Invest in Yourself Too

Investing isn’t just about money—it’s about skills.

You are your best investment, period.

Here’s how to start:

• Google high-income skills (copywriting, coding, digital marketing).
  
  
• Watch YouTube tutorials, take Skillshare classes, or buy a course.
  
  
• Find a mentor or community in your niche.
  
  
• Build a side hustle and create new income streams.

You don’t need a ton of money to learn something that could earn you thousands.

7) Passive Income is NOT Optional

There is no excuse not to have passive income in 2025.

TikTok has shown me the wildest hacks, like:

• People screen-record YouTube videos and repurpose them as TikToks. They go viral, make a few hundred a month, and join TikTok’s Creator Fund—minimal effort, passive income.
• Others post fireplace videos on YouTube that loop for hours—millions of views, YouTube ad revenue while they sleep.

AI can generate some of this stuff for you now. Work smarter, not harder.

8) Budget Like a Rich Girl

I use a budgeting app and track every business expense.

At the end of each month, I:

• Review my income vs expenses.
  
  
• Look at what to cut back not to save, but to reinvest.
  
  
• Decide what to put back into my business or stocks.

9) Choose Net Worth Over Bank Balance

Let’s break this down:

• You make £5,000/month. Most people think, “Cool, I can spend this.”
  
  
• A rich girl thinks, “How much of this can I invest to increase my net worth?”

Spending on holidays, clothes, or dinners is fine—but that’s a sinking fund.

Once it’s gone, it’s gone.

Investing in assets (stocks, pensions, businesses) means your money grows.

Here’s what I do:

• I set calendar alerts to break down my salary and decide what percentage goes where (stocks, savings, business).
  
  
• I have a separate account for my sinking fund (holidays, shopping), and I treat that money as already spent.

Keeping it all in one account makes you think you have more than you do.

Dangerous.

Separate your funds. Know your net worth. That’s how millionaires think.

Chapter 4: Homework Tasks

✅ Step 1: Apply for a Credit Card

If you don’t have a credit card yet, it’s time to get one.

Don’t stress—you don’t have to go for a fancy, high-limit card.

Simply head to your bank and apply for a basic card.

✅ Step 2: Read Books That Boost Your Money Mindset

To become a Rich Girl, you need to understand money, how it works, and how to make it work for you.

Start by reading some financial books that will boost your knowledge:

• Girls That Invest by Simone
  
  
• Rich Dad Poor Dad by Robert Kiyosaki
  
  
• Think and Grow Rich by Napoleon Hill
  
  
• The 4-Hour Workweek by Tim Ferriss (if you’re an aspiring entrepreneur!)
  
  
• The Psychology of Money by Morgan Housel
  
  

These books will not only teach you the basics but will also help you shift your mindset and start thinking about money differently.

The more you read, the more prepared you’ll be to make the right financial decisions!

✅ Step 3: Rewire Your Mind with Affirmations

Money is as much about mindset as it is about strategy.

To get into your Rich Girl Era, you need to develop a healthy, abundant relationship with money.

Start by using affirmations.

These are positive statements that help you reprogram your mind and eliminate limiting beliefs.

You can find subliminal videos on YouTube where someone will repeat these affirmations for you.

Or, you can make your own and repeat them daily.

This practice will help you rewire your mind and set you up for financial success.

✅ Step 4: Start Investing

Investing doesn’t have to be intimidating.

If you have some money in savings, start small and get familiar with the process.

The S&P 500 is a great place to start—this is a collection of the 500 largest companies in the U.S., and it tends to grow steadily over time.

Now, do your own research.

I’m not a financial advisor, so don’t just follow what I do.

But I can promise you that starting to invest, even with a small amount, can make a huge difference in building your wealth over time.

✅ Step 5: Choose Your Investment Style

The most important part of investing is that you feel comfortable and excited about it.

If the stock market isn’t your thing, no problem!

There are tons of other investment options out there, like Forex, Bitcoin, or even real estate.

Here’s what I recommend:

• Pick an area that interests you
  
  
• Go on Instagram or TikTok and follow experts in that niche
  
  
• Learn from creators who educate others on investing in your area of interest
  
  

This will help you build up your financial literacy and get insights into what works for you.

Just remember: investing always carries risks, and it’s crucial to make informed decisions before putting your money in.

By following these steps, you’ll be well on your way to entering your Rich Girl Era in 2025!

Start building your credit, educate yourself, develop a positive mindset, and begin investing—even if it’s just a little to start.

It’s all about creating the foundation for long-term financial success.