building rich girl systems with AI
+ the budgeting advice no one gives ppl with money
I’ve been thinking a lot this week about why people like us: ambitious, busy, “should have it figured out by now” types — still feel stuck.
Financially: we earn what should be enough but still can’t keep money.
Creatively: we’re in our zone of genius but our energy is being pulled in different directions.
Mentally: we’re burnt out with nothing to show for it.
And I think I’ve stumbled across a few things that might explain it.
So this issue is part wake-up call, part reset. What I found out about wealth-building, AI agents, overstimulation, and pensions (!) might shift how you see your work, your money, and your time.
In this issue:
Quick note: I’ve been looking after my Nani in recent years and it’s highlighted just how quickly life goes by. You never think about money you’d need when you’re 65.
So I get it: pensions feel like something your workplace is “probably handling.” You feel like you might not even live until then. In that case, please stop gatekeeping your fortune teller 🙃
Pensions are your future salary. They are your money, invested for your freedom. They are the reason you could have the option to stop working.
If that still feels like a bit much — I hosted a simple, story-first series on pensions with Nest. It breaks everything down, and I made it my priority to be a proxy for the everyday person when speaking with all the pension experts. Link below to watch.
Why you’re earning well but still broke
When I landed my first full-time job, I expected life to start feeling lighter. Not rich, just… less tight. I thought a salary—even a modest one—meant I could finally:
Stop food shopping like a student
Book a trip without a credit card
Maybe, finally, save some money
Instead, I was still stuck in my overdraft. And somehow getting more into consumer debt. I kept spiralling: why was I working full-time and still feel this broke?
This week’s episode of The Financial Hot Girl Show is the one I needed back then. I unpack:
The money traps high earners fall into (without realising)
Why budgeting doesn’t always work
And how to move from “I make enough” to “I’m actually building wealth”
You can watch or listen to it here, or save for later:
P.S. what do you think of these thumbnails? I’m trying to de-centre myself from the FHG content LOL
What AI is actually good for (beyond ChatGPT prompts)
I know the AI chat hype is loud, and I love a smart prompt as much as the next productivity girlie but the real game changer isn’t ChatGPT, it’s how you build with it.
The people making serious progress with AI aren’t just asking for instructions on how to life their dream life, they’re building AI agents.. These agents don’t just do things — they think for you.
The truth is, as a creative, my energy is drained by admin. I absolutely hate doing tasks outside of my zone of genius. AI can fix that without me having to worry about saving up to pay for a VA.
AI agents assess, filter, and act based on context, goals, and preferences you give them. It’s like having a team member you don’t need to manage.
Here’s what I mean by that:
Scenario
Agent
What it decides
You get 100+ emails a day and can’t tell what matters
Inbox Agent
Flags high-priority emails, snoozes or drafts replies to the rest based on your past behaviour
You want more brand deals but hate researching and pitching
Outreach Agent
Finds aligned opportunities, filters out low-quality leads, and drafts personalised first messages
You’re stuck on what content to make next
Content Strategist Agent
Analyses past posts and audience behaviour to suggest timely, brand-aligned content ideas with outlines
These aren’t just ideas, these are things real people are already building, often with no-code tools like Zapier, Make, Airtable, and platforms that connect with GPT-style models in the background.
And OpenAI (ChatGPT’s dad, as I like to say) literally released a guide on what AI agents are and how to build them:
I’ll probably share a full behind-the-scenes of how I use AI in a video, but if this sparks something, just start small. Ask ChatGPT for the steps you’d need to know before building an agent:
👉 “Act as my VA. I get overwhelmed by how many emails I receive and how many different inbound projects I get. I’m trying to do filter them, think about how to respond, keep my rates up to date and figure out whether I have capacity to take projects on. How and what specific steps should I delegate to you?”You don’t need to go full developer mode or take any coding courses, you just need curiosity and the mindset shift from “AI = smart reply” to “AI = digital team member.”
Start by asking:
What would I delegate if I had a (free) assistant right now?
Then see if you can build an agent for it. And if you’re already using tools like Notion, Trello, Calendly, or Google Sheets, you’re already halfway there.
Music = mental wealth?
This might sound minor, but this week I’ve gone back to ✨ listening to music ✨ when I’m cooking, getting ready or doing errands.
No business podcast. No personal growth. Just music I like (and used to like when I was 15).
It’s been such a small reset button for my brain. I didn’t realise how on I was all the time and to be honest, I feel a little silly admitting to you that I forgot the feeling you get when you listen to a nice song.
Music has no agenda. It doesn’t ask anything of you. It doesn’t need to be bookmarked or actioned. It just fills the space, and in a weird way, that helped me feel more focused and energised when I do sit down to work or film.
So if you’ve been feeling overstimulated or that you’re constantly learning - pick some songs that you were OBSESSED with and make a throwback playlist. Here’s a look at mine from when I was a 13 year old emo kid:
Have a great week and see you in the comments with your thoughts!!!
Devamsha xo