58 Comments
User's avatar
Hayley Leong Loon's avatar

I love this. Thank you for sharing and making it accessible for everyone ❤️

Devamsha @ Financial Hot Girl's avatar

ah, so grateful you found value in it 💌

Ahhhmelia's avatar

Thank you for the thorough breakdown along with resources! I'll definitely be checking out! I appreciate that you broke everything down into bite-sized skills, and that you pointed out "debt isn't moral". We shouldn't feel shame for getting in debt because there are many reasons a person ends up in debt. There's no shame in that.

Devamsha @ Financial Hot Girl's avatar

100%. Tying my worth as a person to my early 20s debt made it harder to take agency over it! And I’m glad you enjoyed this one. I tried to blend bite sized skills with an action list so that it felt small enough to try :)

messyheadspace's avatar

Wow i learned a lot in just one article 🤯

Devamsha @ Financial Hot Girl's avatar

the next one will hopefully help you implement it!! 😂

Savanna Lee Lawson's avatar

Love love love this!!

Devamsha @ Financial Hot Girl's avatar

thank you for sharing the love! these lessons transformed my 20s

Kalli Glauser's avatar

I love the specific resources you gave under each section. Looking forward into diving into those this month!

Devamsha @ Financial Hot Girl's avatar

would love to know how you find them!!!

Banna's avatar

Girls that Invest was one of the best books that started me off on my financial journey. high recommend!

Devamsha @ Financial Hot Girl's avatar

Simran is an inspirational lady and a great role model in this space too - I feature her work a lot!

Jenn Fonseca, MPH's avatar

Your finances control every other aspect of your life because it affects your choices. Learning about finances in my early 20s changed my trajectory. Now I will tell any young people who will listen to learn the basics, start investing, and reflect on how your emotions affect your spending habits.

Devamsha @ Financial Hot Girl's avatar

yes the financial hot girl link between mental, physical and financial habits!!! it’s something I discovered and learned the power of in my 20s too

Cansu Yetisgin's avatar

I love this, specifically, as access to this information has been gatekept from women for so long. We need more and more role models, examples that actively educate and share information on investing, budgeting, saving, and overall managing finances. I started just with a monthly budget, investing in small amounts, learning bits of information, and also by using a lot of reddit (with a critical perspective ofc)

Devamsha @ Financial Hot Girl's avatar

A good mix of role models and understanding how to take personal responsibility helps too! I also loved Reddit in the earliest stages 🤣

Mai @ Compounding Daily's avatar

Systems and automation are so important! I personally automate 401k and employee share purchase plan contributions so the money never hits my checking account and can’t be used for daily expenses

Devamsha @ Financial Hot Girl's avatar

love this system I did a similar thing when I was in corporate!

Katie's avatar

Thank you for sharing, such a key message. Financial literacy really is investing in yourself, and it doesn’t get talked about enough!

Devamsha @ Financial Hot Girl's avatar

Investing in knowledge, sharing as a community and believing in a bigger life 💫

Ngân Lê's avatar

I love that you highlight these! It’s such a shame we aren’t forced to internalize these in school.

Devamsha @ Financial Hot Girl's avatar

Agreed. Alongside the fact that we form many of our beliefs of the world (financial and non financial) from a young age, these being some of them would’ve helped

Hunaina🌚's avatar

My goal for 2026 was to be financially literate, so glad I stumbled upon your post!!

Devamsha @ Financial Hot Girl's avatar

What a great goal 😎I’m glad this post could help you! How come financial literacy is your goal this year?

Hunaina🌚's avatar

Well, you see I’m tryna wear my big girl pants. Be more intentional and smart with money.

Matthew Campobasso's avatar

I love this and just wrote something on how I am focusing my three kids on becoming financially literate in 2026:

https://thecaseforpodcast.substack.com/p/the-case-for-intentionally-teaching

BonBon's avatar

This is too good... Do share more of your knowledge.. it's so helpful 🫶🏻

Devamsha @ Financial Hot Girl's avatar

so so soooo glad you find it helpful. I’ll be sharing until I physically can’t anymore !!!

Rose | Relearning Money's avatar

I found myself nodding along to a lot of this. Especially the parts about systems doing the work so you don’t have to think about money all the time... that feels like the real luxury.

George Sullivan's avatar

Yep, I’m the coolest!