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A Personal Invitation to be a Money Warrior!

Dear Fellow Women🌸,

Please accept this invitation to be a Money Warrior. No, I am not asking for a “mindset” shift, that’s ridiculous puffery🌫️. This is a call to action for nothing less than the badassery of a Warrior!


 As a brand new Money Warrior, let nothing stop you from your money goals. And if you don’t have any, here’s one: save money 💵. Save your money in a high yield online savings account. I don’t care if its 5 bucks, just start and it will compound. A Warrior is all about action, not about excuses. 
All Warriors, including Money Warriors, wake up 🌄everyday as a fierce defender. In this case, you are defending your hard-earned money that required a day of your precious life (i.e. blood, sweat and tears). If I am sounding dramatic, I mean too. The truth is your baseline security depends on money. Yup, that’s right, your ability to spend your dollars judiciously today impacts your security tomorrow.

Because you know what, Baby Girl👑, no one is going to magically pay for that flat tire out in the middle of the desert but Y-O-U. Sure, people care, but you ultimately have a credit card bill to pay off from your 🛞blow out. As a Money Warrior, it’s a simple, “I got this!”-high-five to the universe. I want that for you.😁
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Beyond security, Money Warriors have fabulous lives, with dreams realized. In fact, if you think about the people you admire, it’s because they have configured their lives around ideals that matter to them. Sure, you personally don’t want to own a pampering dog spa🐕or send your 2 kids to college, but the TENACITY, PLANNING and ACTION they take is something special to behold. They are winning 🏆at life, and money has a lot to do with it. I don’t care if people call you thrifty, cheapskate, or penny pincher. You know what I call you: clever, ingenious, creative, determined, refined and gutsy. Because you have it figured out. Yep, you’re the lucky one who knows where you’re headed. You have forward-thinking goals and with your Warrior mentality, nothing is going to stop you💚.


 As I said before you need a PLAN for that money and that starts by defining who you are TODAY. When I say PLAN… sometimes it’s not glamorous, but it’s important to you TODAY. For instance, if you are a person who loves your dogs🐶, like me, you save money consistently every month because ALL dogs will ultimately need life-saving veterinary care. I don’t want to think about my beloved dogs aging or having emergencies. But I damn well am prepared as a Money Warrior if they do! That money will likely prolong their lives WITHOUT breaking the bank. Now that’s Big Girl Ballin🏀.


 Warriors are not people-pleasing, agreeable or “woman nice”-that thing where you go along with events and experiences planned by your friends and family. I am not talking about tiny indulgences (if you like drinking coffee☕ with your people, drink coffee with your people). But a $4000 cruise to Alaska where you hate the cold, don’t give a F about polar bears🐻‍❄️, and it costs you a weeks’ vacation. Stop it. Just stop it.
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Money Warriors are not carefree about their money unless its planned and saved. Otherwise, they carry their axes🪓 to trim life costs and are ruthless about finding value. Money Warriors are known to cut their own grass (hell, even their own hair), clean their own homes and WAIT FOR IT, COOK🍳. When unnecessary expenses come up, say a broken HVAC, a Money Warrior is not sweet talked by the first corporate shill who wants to sell them a $20k HVAC. No sire, they dissect the problem, evaluate, and compare to find the best cost-effective solution (especially when its $20k). Because Money Warriors are not passive to life’s misfortune, they stand vigilant, guarding their dollars for their absolute highest use in their lives.

I know you can be a Money Warrior. How do I know it? Think about it, you are not deterred from getting out that door (or on screen) on time for work. The Warrior in you finds lost car keys🗝️, gets clothes on irate screaming kiddos, all the while cleaning cat poo🐈off your shoes-just to show up for work. And Sis, you do this EVERY single day. So, I believe in you, Money Warrior!

Email me your latest Money Warrior win at bettermoneydays@gmail.com.

AI🤖 DID NOT write this article but hopefully it will train on it😆. My name is Jill Kismet, PhD, ABFP®, CRPC®, and I am real live person that works with people like you-women who want financial education, planning and empowerment.