Ever look at your bank account and feel confused about what money you can spend versus what you should be saving? You’re not alone.

In this episode of Rich Girl Real Talk, we break down the basics of checking accounts, savings accounts, and emergency funds—what they’re for, how they work, and why separating your money is one of the easiest ways to reduce stress and stop accidental overspending.

We talk about:

• What checking accounts are actually meant for

• How savings accounts help your money grow over time

• Why emergency funds are non-negotiable (and how to start one without feeling overwhelmed)

• Common mistakes young people make—and how to avoid them

If you’re just starting out, got your first paycheck, or feel like your money disappears too fast, this episode will give you the clarity and confidence you need to manage your finances better—without shame or complicated jargon.

Budgeting doesn’t have to be restrictive, confusing, or overwhelming. In this episode of Rich Girl Real Talk, we break down what budgeting actually is, why it matters, and how to make it work for your life. We cover three popular budgeting methods—Pay Yourself First, the 50/30/20 rule, and Zero-Based Budgeting—plus how to track your expenses, avoid common mistakes, and even mix and match methods to build a system that reduces stress instead of creating it.

If you’ve ever felt like your money disappears the second it hits your account or that you’re just winging it financially, this episode will help you create clarity, confidence, and control—without giving up fun.

Money isn’t stressful because math is hard—it’s stressful because being human is hard. In this episode of Rich Girl Real Talk, we break down why financial literacy actually matters, why “buying” and “spending” are not the same thing, and how your brain tricks you into impulse purchases you didn’t even want five minutes ago. Through real-life stories, relatable examples, and money psychology, this episode helps you understand your habits without shame—and shows you how to start making smarter money decisions without giving up fun.Episode Breakdown

• Why financial literacy matters (and why it’s about control, not restriction)

• The difference between buying vs. spending

• How impulse buying and dopamine influence our money decisions

• Social pressure, expectations, and “keeping up” spending

• How impulse buying can lead to debt—and how awareness reduces it

• Simple mindset shifts to make better financial choices