unglamorous (but essential) A/W routines
how to build energetic equity | fhg #66
Happy Sunday financial hotties ♡✧⋆｡♡˚
Today, we’re talking about the intersection of biohacking x finance, a topic at the heart of Financial Hot Girl. The way to build some energetic equity that facilitates the financial kind.
Whether you’re travelling or not, here are 3 solid but unglamorous routines to ground you and allow you to build momentum for 2026 without constant effort. I’m doing all of them while travelling, and did all of them last Autumn/Winter, too.
The goal is for this to be easier for you to read, and show you what I’ve been up to offline. Last week, 85% of you voted to combine travel updates here in the letter so let’s trial it for a few weeks.
Re-baseline your recovery metrics
Smart tech is a big 2025 trend. More and more of us are using wearable trackers and data feedback systems to monitor our activity, sleep, recovery and metabolic health.
Personally, I’ve been using a Whoop for the last few weeks (I’ve actually switched over from Ultrahuman, wasn’t a fan after a year of use). The metric I’m zoning in on is my recovery: I’m tracking it, using the Whoop coach to figure out my average and how I can maintain a high recovery score.
With running being my main form of exercise the last few weeks, combined with my luteal phase it’s left me exhausted and under-recovered. So here’s my action plan for you to copy:
Action: Choose one metric (sleep efficiency, heart rate variability, resting heart rate) and track it 2–3 nights this week. Log the average.
Financially: If your body’s recovery is poor, you lose productivity, energy and thus earning potential. Consider this your “health asset” check-in.
What to do now: Set a reminder for Saturday morning to review your metric, note one tweak (earlier bedtime, cooling your room, or removing blue light) and automate the tweak for the rest of autumn.
Build a reset ritual for shorter days
Your environment and routines regulate your nervous system and therefore your decision-making, energy, stress and ultimately your financial choices. Basically…. Financial Hot Girl 101 🤠
P.S. I’m doing an adapted version of this while travelling, a 10 minute nightly reset with red light therapy, journalling and skincare.
Action: Create a simple 10-minute evening ritual that signals “day done, body switch for tomorrow”. E.g., change into comfy clothes, plug in a sunset lamp (dim lighting), write two things done today and one thing to do tomorrow.
Financially: A clearer, less stressed mind leads to better money choices (less driven by impulse, and more by intention).
What to do now: Choose a cue (e.g., when you put your journal on the desk), and your routine (10 minutes of clearing your work station) this week. Decide Once™ what the cue and routine will be so your brain doesn’t negotiate with itself.
Invest in your body’s offline returns
One of the least glamorous but highest-ROI forms of investing is how you treat your body when you’re off.
Sleep, light, temperature, and recovery are the boring basics that multiply pretty much everything else you do. With things like lowering your room temp, getting sunlight as early as you can, skipping caffeine after midday—your nervous system pays you back in focus, patience, and better financial decisions.
Think about your offline, boring habits like buying small assets that compound, but biologically. The interest rewards you with more bandwidth, less burnout, and better decision-making.
Action: Choose one low-dopamine but high-return habit: e.g., filter your bedroom air, invest in blackout curtains or reduce caffeine after midday.
Financially: These are like paying for infrastructure and a solution rather than sticking a plaster over a problem. Your body is the engine; if you optimise it, your output improves and cost of downtime actually reduces.
What to do now: Buy or schedule one infrastructure upgrade this week (keep it low-cost, intention matters more here than price—simple upgrades like a neck pillow for sleeping, or swapping to decaf after 12pm) and log the impact in your notes app on your phone.
Your energy is your most valuable compounder. You wouldn’t let your savings sit in a low-interest account, so don’t let your body do the same.
Financial Hot Girl Abroad
In case you missed it, one of the big ways I’m spending money in my 30s is a once in a lifetime trip: a 6 month escapade around Latin America. It all started with a wedding invite:
Dress is Rat & Boa, shoes and bag are old/secondhand
So now the first two weeks of the trip are done and dusted: a wedding and a tour around Guanajuato and Jalisco. Now we’ve officially parked up in Puerto Escondido for a couple of days to slow down, mentally, physically and financially.
We flew to Mexico City, mooched around for a few days before heading north to Leon, Guanajuato for wedding festivities
After the wedding in Leon, we travelled to Guanajuato City, Guadalajara, Tequila, and Chapala with our friend and his family
Full vlog coming on the cost of travelling through Mexico in your 30s and the economics of group trips, subscribe here so you don’t miss it 💌