If you feel the stretch in your wallet due to the current economy, you are not alone. Inflation surges and economic instability have spiked the costs of consumer goods, gas prices, and airfare, among other categories, according to the U.S. Bureau of Labor Statistics in April 2026, as reported by CNBC. The financial strain is being felt across all classes in some way, but women are bearing the economic burden even more simply based on their gender due to historical bias in pricing for women.

This bias is known as the pink tax, the upcharge women pay for the same or similar products as men, solely due to their gender. From gender-specific products like tampons and sanitary pads to items like razors and clothing, the pink tax is reflected in the inequitable pricing women pay for everyday goods.

Although most consumer goods are marketed to both men and women, women have been statistically paying more for the same products and services than their male counterparts, various studies suggest. This discrimination based on gender has a lasting financial impact, a disadvantage that disproportionately costs women more than just sticker shock.

The True Costs Of The Pink Tax

Referred to commonly as the pink tax, inequitable pricing based on gender spans across several industries, research has shown. The markup women pay on goods and services is prevalent, ranging from everyday items like personal hygiene products to children’s toys marketed for girls. Findings from a study conducted in 2015, From Cradle to Cane: The Cost of Being a Female Consumer, ” reveal that women’s products, on average, cost 7% more than similar products for men. Across all of the consumer categories analyzed in this study, 30 out of 35 consumer products for women were priced higher than those for men. Products like women’s clothing, personal care products, and senior home health care products were found to be higher in price for women than for men.

The financial impact on women can span over the course of their lives and cost them thousands. Due to products marketed specifically for women, like sanitary products with less competition and availability, the burden of higher costs seems inevitable for women. This, however, runs in line with the unfair pricing practices of consumer goods based on gender, a practice that bleeds into pricing for products that are genderless.

These disparities also adversely affect women financially, who statistically continue to earn less than men overall, stretching women’s wallets further. According to research and advocacy group AAUW, as reported by Forbes, women working full-time on average earn 81 cents for every dollar men earn. The gender pay gap, compounded with the pink tax, puts a measurable strain on women’s finances, paying more for everyday needs based on their gender while earning less to afford them.

Black Women And The Double Tax

The theory of the pink tax affirms how much gender-based pricing costs women across all classes, but for Black women, the cost is even higher. Black women pay even higher margins for products due to race and societal factors, like accessibility, affordability, and quality.

Coining the term “double tax” in her 2025 book, “The Double Tax: How Women of Color Are Overcharged and Unpaid”, author, speaker, and Harvard Researcher Anna Gifty Opoku-Agyeman unpacks the compounding expense sexism and racism have on Black women specifically. Regular consumer goods are statistically even more expensive for Black women, as racial bias adds to the tax they pay. Due to economic and societal factors, like proximity to quality goods and services in dense urban neighborhoods, Black women tend not only to pay more out of pocket for the products they need, but they are also at a disadvantage in accessing quality products.

Black women today are also facing the highest unemployment rates out of all cohorts in the U.S., straining their financial resources even more. In 2025, Black women saw the largest employment losses by race and ethnicity in the U.S. at a 6.7% unemployment rate. The many compounding factors Black women face leave them at a major disadvantage financially to be able to afford and pay for the products they need.

Avoid The Pink Tax On Your Wallet

Gender-based pricing disparities have become more apparent in the consumer goods industry, and policymakers have started to take notice. In places like New York and California, legislation has been passed to make gender-based pricing illegal. AB 1287, California’s Pink Tax Law, prohibits charging different prices for similar products based on gender. At the federal level as well, further measures have been introduced to combat discrimination in pricing.

Although there’s no straightforward solution to combat this systemic bias, here are a few tips to help protect your wallet and get your money’s worth:

• Compare the price of products that are marketed for women to its gender neutral or male variety
• Try substituting and buying items that are gender neutral, like shaving razors and children’s toys
• Negotiate service costs and ask for quotes to get the most equitable price
• Shop and support minority-owned small businesses that sell quality products

Continuing to make light of the pink tax will help make the pricing of consumer goods equitable for all, especially for women, who substantially drive the economy, supporting themselves, their families, and their communities at large.

This article Understanding The Real Impact Of The Pink Tax On Black Female Consumers was originally published on HerAgenda.com

Many of us turn to social media for how-tos, and that includes money advice. Research has found that 61% of young adults trust social apps for investing tips. Another found that social media is a sweet spot for those of us in younger generations, with 76 percent of Gen Z and 65 percent of millennials looking to the platforms for financial guidance.

Scrolling through TikTok for money tips can feel like getting free financial coaching in bite-sized videos, but it’s still the Wild Wild West of information. One minute you’re learning about investing, the next you’re told how to “get rich quick” with a side hustle or crypto trick. 

While entertaining and sometimes genuinely helpful, it’s super-risky relying on social media for money tips. Not all “finfluencers” are qualified, and some are outright misleading. A recent report found that 71 percent of the financial advice consumed by Gen Z and Millennials is misleading, and only 13 percent of influencers had the relevant qualifications and credentials to advise on financial matters. 

Since it’s Financial Literacy Month, let’s get into how you can tell the difference between solid money advice and a scam:

1. Don’t get distracted by the confidence and graphics. Check the credentials.

A polished video doesn’t equal expertise. Look for certifications like Certified Financial Planner (CFP), Certified Public Accountant (CPA), Certified Financial Education Instructor (CFEI), or chartered financial consultant (ChFC). You can use sites like BrokerCheck or the CFP Board to research. Find their bios and work experience via LinkedIn or other professional websites. Check reviews and other indicators of positive real-life impact. If someone doesn’t mention qualifications, or there’s hardly anything online that could reflect credibility, those are red flags. 

2. Lead with skepticism. If it seems too good to be true, it more than likely is.

Real investing involves risks, but if someone skips over the downsides, they’re selling a fantasy, not advice. Look out for claims like “guaranteed profits” or “turn $100 into $10,000 fast.” Phrases like these are classic warning signs of potential scams.

3. Check for transparency and disclosures.

Legitimate creators are upfront about content that is sponsored or that promotes a product. If someone is pushing a stock, app, or course without saying how they benefit, be cautious. Hidden incentives can distort advice that can affect your life for better or worse. Skipping disclosure or important context for content can raise an eyebrow when it comes to trust and ethics. Keep in mind that in many states or cases, disclosure is legally required.

4. Pay attention to the intent: Is it education or entertainment?

Good advice often sounds boring, especially when it comes to budgeting, saving, and long-term investing. Bad or scammy advice is flashy, emotional, and urgent. If the goal seems to be views, clicks, or selling a lifestyle–and the content seems a bit sensational— you’re probably watching entertainment, not education.

5. Compare information against other trusted sources.

While a social media post might be informative or even lead you in the right direction on finding resources to make a sound financial decision, always fact-check information with at least two other sources. This is especially true when it comes to topics like taxes, real estate investing, and stocks. Be sure the information is up-to-date or even relevant to you based on your location, lifestyle, and other factors. 

Social media isn’t, in itself, inherently bad for financial literacy or advice; however, it shouldn’t be your only source. Treat social media as a starting point, not a final authority. Look to experts at your local financial institutions, trained and experienced money management professionals, and trusted financial literacy organizations. Your money decisions deserve more than a 60-second video. Financial management deserves careful thought, research, and, when needed, professional guidance.

This article From TikTok Gurus To Instagram Scams: How To Tell The Good Money Advice From The Bad was originally published on HerAgenda.com

Oftentimes, ambitious women can face pressure to provide financially for their families. Unfortunately, saying no to a loved one never feels good, especially when it comes to money. Be it at times necessary, rejecting requests for financial support can be awkward and cause friction for both parties. The weight of supplementing the income of several households can cause a toll on your mental health and place strain on familial relationships.

An article in CNBC, a media outlet, shared that 60% of Americans have helped a friend or family member by lending them money, expecting to get paid back. Of those respondents, 37% reported losing money, and 21% said that the personal relationship worsened.  

Unfortunately, financial literacy paints a vivid picture of what happens when you let family dictate how and when your money is spent. Ted Rossman, industry analyst at Bankrate, stated, “I’d avoid lending cash and credit cards and co-signing. All too often, these situations end poorly.”

At times, the desire to help loved ones does not outweigh the importance of having discipline. It is important to save, grow, and protect your wealth. Securing a healthy financial future for yourself can mean saying no to family and friends. As a consequence, the mental toll can be difficult to navigate. Fortunately enough, there are a few tips and tricks that can help maintain balance and order surrounding this subject.

Buckle Your Seat Belt First

If you have ever ridden a plane, you should recall the flight attendant reinforcing the importance of buckling your seat belt and securing your breathing mask first. Ensuring your safety prior to rendering aid to others. This applies to your financial health as well. A U.S. News study found that more than two in five Americans surveyed (43%) couldn’t pay for a $1,000 emergency expense with their savings. One-third say they don’t have enough savings to cover even one month of living expenses.

Offer Time and Advice

Mentorship and a listening ear are often more valuable than throwing money at a situation. Certified financial planner, Kathy Longo, shares that “Money is about so much more than dollars and cents – it’s about your life. Isn’t it time to start talking about it with the people who make your life meaningful? Our friends have so much to offer us, and we can make a difference in their pursuit of financial goals, too. All it takes is the courage to get the conversation started.”

Never Lend What You Can’t Afford To Get Back

An old wives’ tale that floats around my community is never lend what you can’t afford to lose. This tip applies to a cup of sugar, a pair of pants, and most importantly, money. Rossman, from the previously mentioned interview, stated, “If you really want to do it, only offer as much assistance as you can afford to lose. In your mind, assume it’s a gift and that you won’t get paid back. Let that sink in ahead of time so that a negative experience doesn’t harm your relationship along with your account balance.”

Family Piggy Bank

A fan favorite tip for helping to manage the financial stress and mental toll of wanting to help family financially while adhering to a budget is to set aside money for the “expense”. Allocating a small percentage of monthly earnings to a family piggy bank can be helpful. Personal finance expert Lynnette Khalfani-Cox told JPMorgan Chase and Essence in an interview, “For me, a budget is not about restricting myself. It’s about choosing how I allocate my resources and how I spend my money.” Budgeting for all aspects of life can relieve decision fatigue and should not be looked at as a negative.

Reap The Fruits Of Your Labor

Overall, balance is key. Safeguarding your lifestyle and enjoying the fruits of your labor should not come with loads of guilt. It is possible to set boundaries, plan, save, and help your loved ones without bearing the burden and spiraling from the mental weight of being stretched too thin.

This article Why Saying No To Family Is Sometimes A Yes To Wealth was originally published on HerAgenda.com

There’s a historic financial shift underway for women. According to reports, trillions of dollars are moving from older generations, particularly Baby Boomers, to millennials and Gen Z, with women leading the numbers in prospective recipients. 

Over the next decade, this intergenerational transfer could make millennials “the richest generation in history,” according to the annual Wealth Report by global real estate consultancy Knight Frank. Experts say this wealth transfer could reshape economies, gender dynamics, and financial systems. Because women tend to live longer than men, they are more likely to inherit family wealth, making this a gender-specific phenomenon with broad implications. 

High-earning millennials and Gen Zers, called “HENRYs” (High Earners, Not Rich Yet), are already reaping the benefits, purchasing homes in their 20s and early 30s often with help from family funds. One expert noted that many are “ready, willing, and able to purchase” when they find the right property, supported by inherited or gifted wealth.

Wealth Transfer Disparities For Minority Women

There are a few catches: Surveys show many young people are counting on inheritance for financial security, yet only about one-fifth of Baby Boomers expect to leave a significant inheritance. Also, many women might not see the full benefits of this in the long run considering the factors that contribute to building wealth and the systemic barriers they face related to those factors. Minority women face added challenges due to “first-generation wealth-building pressures, family obligations, and risk aversion shaped by instability,” writes financial educator and strategist Alejandra Rojas. 

“Receiving assets is not the same as being positioned to sustain and grow them,” she continues. “Lower lifetime earnings, debt, limited access to capital, financial trauma, and the pressure to use new money to close old gaps can all prevent transferred wealth from becoming a meaningful long-term financial shift. That is why the next two decades will require more than optimism about the size of the transfer.”

How Women Can Prepare For The Wealth Transfer

For those who might receive an inheritance of funds or assets—whether the value is small or large—there are ways to prepare for financial freedom, boost the value, or sustain the wealth. 

1. Build a financial plan before the money arrives.

Even though large sums may be coming, most experts stress not relying on inheritance alone. In fact, 93% of women expecting an inheritance say they are still actively building their own wealth. Having a financial roadmap that covers goals, risk tolerance, and long-term plans ensures that any inheritance enhances stability rather than becoming a source of confusion.

2. Understand budgeting and tax implications.

Inheritance isn’t always “free money.” Depending on your location, there may be estate taxes, capital gains taxes, or costs tied to managing assets like property. Budgeting for ongoing expenses like maintenance, insurance, or investment fees is crucial. A sudden influx of wealth can also lead to overspending if not carefully managed, so integrating it into a structured budget is key to preserving it.

3. Have open communication with family members, and build a financial services team early.

Financial planners, tax professionals, and estate attorneys can help navigate complex assets like real estate, trusts, or investment portfolios. Check with your bank, financial service organizations, and nonprofits about experts and resources available to assist you in making choices about how best to manage an inheritance and to figure out ways to invest and grow your wealth.

4. Consider future opportunities of business acquisition, especially for minority women.

Along with the projected wealth transfer, there’s a lucrative opportunity to acquire a small business or franchise. This is due to what experts are calling the “Great Business Transfer,” according to a recent McKinsey report. Researchers found that, by 2035, 6 million small- and medium-sized businesses, or SMBs, will be available for acquisition. If Black and Hispanic women entrepreneurs can increase ownership during this time, there’s an opportunity for a potential $3 trillion in new wealth. “Closing participation gaps could unlock up to $3 trillion in new household wealth, making ownership transfers one of the most powerful near-term levers to narrow geographic, gender, and race-based disparities in wealth accumulation.”

With trillions of dollars set to move into younger hands, and women positioned to inherit much of it, the decisions made now will shape future wealth, opportunity, and inequality. While headlines focus on massive numbers, the real impact will depend on preparation, education, societal shifts, and realistic expectations.

This article The ‘Big Wealth’ Transfer Is Coming For Millennial Women, But Are We Ready? was originally published on HerAgenda.com

Designing a cost-effective, attractive benefits package requires thoughtful choices and careful navigation of often complex benefit combination rules. Tools like health savings accounts (HSAs) and health reimbursement arrangements (HRAs) are promising options. If you’ve wondered whether you can have an HRA and an HRA at the same time with IRS guidance, here’s what you need to know.

What Is An HSA?

An HSA is a personal savings account designed to help you pay for qualified medical expenses. It’s available only if you are enrolled in a high deductible health plan (HDHP), where:

• Contributions are tax-deductible.
• Your money grows tax-free.
• You can take money out tax-free to pay qualified medical expenses.
• The account is fully portable, even if your situation changes.

This triple tax advantage makes HSAs an appealing long-term strategy, especially since unused funds roll over and can serve as a retirement supplement.

What Is An HRA?

An HRA is an employer-funded benefit that reimburses employees for medical expenses. Unlike HSAs:

• Only employers can contribute.
• Funds do not belong to the employee permanently.
• Reimbursements are tax-free when used for eligible expenses.

Employers decide how much to contribute, which allows you to tailor an HRA to your business needs.

Can You Have An HSA And An HRA At Ahe Same Time, According To IRS Guidance?

The short answer is yes, but with important limitations. You can have both an HSA and an HRA only if the latter is structured in a way that does not interfere with HSA eligibility. 

You may be able to pair an HSA with a:

• Limited-purpose HRA, which covers only dental and vision expenses.
• Post-deductible HRA, which reimburses expenses only after you meet your HDHP deductible.
• Retirement HRA, which is used only after retirement.

You generally cannot contribute to an HSA if you have a standard HRA that reimburses general medical expenses before your deductible is met.

What Are The Advantages Of Combining An HSA And A Compatible HRA?

If set up correctly, this structure contributes to layered financial stability and greater flexibility, enabling you and your employees to:

• Maximize tax efficiency: Use HRA funds first, since they don’t roll over permanently, preserving your HSA for long-term growth.
• Reduce out-of-pocket costs: HRAs can cover specific expenses that might otherwise have to come from the HSA or personal funds.
• Create a strategic safety net: You gain both immediate reimbursement support and a long-term savings vehicle.

For every $1.00 your company spends on health coverage, it gets back $1.47 in employee productivity, retention, and direct medical costs. Investing in a combined HSA and HRA strategy can benefit everyone.

What To Consider Before Combining An HSA And HRA

Your business structure matters because sole proprietors, S-corp owners and partners may have different eligibility rules. HRAs require formal setup and compliance oversight, which adds to the administrative burden. Because the brand funds them, you will need to plan contributions.

It’s wise to choose a firm of administrators that specializes in managing both HSAs and compatible HRAs. According to Taylor Britt — Vice President of Marketing at The Difference Card — “Employers must structure an HRA carefully to avoid unintended consequences.” Working with experts will ensure compliance and avoid IRS penalties.

A Smarter Way To Layer Your Benefits

The most effective approach is often strategic layering. For example:

• Use a limited-purpose HRA to cover dental and vision expenses.
• Continue contributing to your HSA for broader medical costs and long-term savings.
• Let your HSA grow by paying smaller expenses out-of-pocket when possible.

This approach helps stretch every dollar while keeping options open.

Frequently Asked Questions About HSAs And HRAs

This is a complex area. There are some common questions, but seek qualified advice if you are unsure.

What Happens To Unused HRA funds?

Employers decide if funds roll over. Often, they are use-it-or-lose-it within the plan year.

Can My Spouse’s HRA Disqualify My HSA?

Yes. If their general-purpose HRA can reimburse your expenses, you may not be able to contribute.

Are There HSA Contribution Limits?

Yes. The IRS sets annual maximums for individuals and families that are updated periodically.

Making the Right Choice for Your Health Care Benefits Package

Balancing an HSA and an HRA can align your health care strategy with your business and personal goals. With the right setup, it brings immediate financial relief while helping you and your employees build a financial cushion for the future. This combination can offer many advantages, provided you understand the rules and design your benefits intentionally.

This article Double The Benefits? Understanding If You Can Have Both An HSA And An HRA was originally published on HerAgenda.com

Some people simply have a natural inclination for running and operating a revenue generating business. There are individuals that spend time studying business in school. While others start businesses out of necessity or simply stumble upon them. Taking a peek into the past, we can quickly learn that several women had to “get it out the mud”. Although these women are entrepreneurs of years past, lessons and strategies can still apply to the modern business.

According to research conducted by Gusto, a technology company, Women account for 49% of new businesses in the last year. This is a large increase in newly formed, women led businesses since 2019. In fact, the increase is 69%. The foundation laid by women of the past, paved the way for successful entrepreneurship for women today.

The ‘Sole’ Of The Shoe Business

Let’s start from the bottom, well the feet. Award winning, Beth Levine, became a legendary designer whose contributions changed the history of shoe design. Often referred to as the First Lady of Shoes, Beth is credited with many innovations that impact fashion to this day. A few of her impressionable creations include:

• clear plastic heels
• the stretch boot with no zipper
• several kitschy creations
• upgrading the stiletto- reinforcing the bottom half of the ultrathin heels with steel
• Spring-o-Lator
• stocking shoe

Beth was committed to quality, innovation and staying modern. No was simply not an option. According to a quote from her daughter, Anna Thomson-Wilson, “My mother was always trying to invent new ways of doing things she just said no is not an answer.”

A few strategies can be learned from the accomplishments of Beth. As a shoe model, she had a first hand experience with fashion, as a woman, she knew what women wear needed, even if it did not exist yet, and lastly, she worked tirelessly to elevate and expound on the experience of wearing a shoe. Business owners of today would be wise to remember to keep their core audience in mind and work to solve a problem, even if others are not aware that the problem exists.

The Heart Of An Era At Least The Home

Next up we have Sarah Goode. Sarah’s patented invention, the cabinet bed, was inspired by her customers. They complained of having small living quarters and the need to maximize space. Sarah listened to the needs of her customers to solve this particular problem. Her design resulted in a rolltop desk for day time use and a pull out bed including mattress and spring support, for the night.

Sarah was not new to the carpentry space. Both her father and her husband were both carpenters. The mastery of carpentry coupled with Sarah’s desire to grow a successful business led her down the path of meeting the needs of her target consumer.

In addition, two key lessons from Sarah’s work can be observed by modern business owners. The first, study your craft/industry. Being a well rounded expert within your business can afford you the opportunity to develop products such as the cabinet bed. Well thought out products can grant you the edge on the competitor. Secondly, listen to the wants and needs of your customers. The majority of people are buying out of necessity. Based on a 2024 survey, consumers said they are prioritizing need based purchase versus buying items they want.

Consider This A Looking Glass

Lessons and strategies from yesterday can still apply to the modern businesses of today. These women entrepreneurs had passion for their business, took the time to listen to their clientele and made business decisions that impacted their customers lives. Their hard work and ingenuity earned them a place in history, I meant herstory.

This article The Revenue Lessons We Can Still Learn From The Original Self-Made Women was originally published on HerAgenda.com

Oftentimes, Black women are not given proper credit for paving the way and breaking down barriers. The contributions of Black women in arenas such as the insurance industry often get glanced over and are never properly documented or acknowledged. This Women’s History Month, we are going to explore the early insurance industry contributions made by Black women, the barriers they overcame, and how the modern industry still models the innovation of the marvelous women of the past.

Maggie Lena Walker

It is only fitting we start with the first African American woman to own a bank! Born to enslaved parents on July 15, 1864 in Richmond, Virginia. Maggie Lena Walker wore several hats that shaped and molded her to become the foremost female business leader in the United States. Working first as a laundress, then after graduation from college, teaching, and shortly after that, publishing a newspaper. It is clear Maggie was on her way to becoming a huge inspiration to the black community. Her advocacy for women’s rights, work supplying mutual aid and communication tactics for spreading awareness of the need of burial benefits were the pillars Maggie used to encourage financial independence. Maggie Lena Walker is known for her contributions to the financial sector and contributions to the banking industry.

Maggie’s fondness for math and accounting inspired her to open the Penny Savings Bank. By 1924 the bank had acquired more than 50,000 members. After consolidating with two other large banks, the Penny Savings Bank was eventually sold in 2005, ending its status as an independent bank.

Minnie Geddings Cox

During the great depression, while many suffered financially, there are pioneers who found ways to prosper. Minnie Geddings Cox is one of those pioneers. Minnie is responsible for growing the third-largest Black owned insurance company. Taking sole control of the business after the death of her husband, Minnie was determined not to be stopped.

At a time when insurance was considered to be designated for men, as they where providers and women should be taken care of, Minnie grew her agency all while training and recruiting women. Through adversity and disapproval during the Jim Crow era, Minnie succeed.

Viola Mitchell Turner

Working on Black Wall street, we have Viola Mitchell Turner. During a time when women could only work in business as secretaries or clerks, Viola managed to work her way up to Vice President of North Carolina Mutual Life Insurance Company. During her time climbing the ladder, Viola was a victim of racial and gender discrimination. Through self advocacy and protest, Viola eventually received the equal pay she deserved.

Like today, women are often disregarded in sectors such as finance and trading. During Viola’s tenure at the NCML, she researched, planned and executed a strategy to convert the companies assets to profitable stocks and bonds. Viola has set the bar high for not only women, but the entire life insurance industry.

Ernesta Procope

Given credit for starting one of the first African American companies on Wall Street, E.G. Bowman Company, in 1953. Ernesta’s business was the largest minority-owned insurance brokerage in the U.S.. Ernesta’s journey to success was marked by several historical milestones. One of the most memorable is when red lining caused strife for her African American homeowner clients. Almost 100 for her clients lost coverage. Ernesta knew she had to move swiftly. In an effort to prevent her homeowner clients from losing their homes due to not being insured, Earnesta worked with the Governor of New York to support legislation that mandiagted homeowners insurance be available to all people within the state. With that initiative, the New York State FAIR Plan became the model for plans nationwide. The groundwork Ernesta put in back then, resonates to modern day.

Modern Life Without Pioneers Of Yesterday

The work to spread awareness of the need for financial independence, the advocacy for acquiring financial vehicles to build wealth and the strides in the banking and insurance space was done by Black women building a bridge between the past and modern day. These women placed the bricks that built roads that allow Black Americans to enjoy banking, buy insurance polices and teach others how to do the same.

This article The Financial Legacy Of Black Women In The Early Insurance Industry was originally published on HerAgenda.com

The gig and side hustle economy has reshaped the labor market. Trends in employment all highlight a shift from the traditional one-to-two income household to workers juggling multiple streams of income to stay financially afloat in a challenging economy. 8.9 million Americans now hold multiple jobs, the highest ever since the U.S. Bureau of Labor Statistics started tracking this trend in 1994.  It’s no surprise that second jobs and side hustles have grown in popularity and in demand as a flexible way to make ends meet. Although the job market has changed and increased the ability to earn more money, tax obligations have not. All income still needs to be reported to the IRS each year during tax season.

Understanding taxes on its own can be overwhelming and opaque. When filing and reporting supplemental income, the math behind paying taxes from a side gig or freelance work can be even less transparent and more shocking.  

If you have a side hustle, don’t forget to manage your tax obligations this season. Avoid costly mistakes with strategies on how best to manage the tax liability on your additional income.

Here’s What To Know

Income from side jobs like delivery driving, contract work, freelance gigs, and selling goods and services typically does not withhold federal or state income taxes. Gig workers are considered independent contractors, responsible for paying their own taxes, unlike employees, whose tax withholdings are automatically withdrawn out of each paycheck.

According to the IRS, if you make more than $600 from goods and services outside of a conventional W-2 job, it must be reported on your tax returns. Be on the lookout for a 1099-K or 1099-NEC form from any businesses or services you’ve received income from to report on your personal taxes. Once you’re ready to file your personal taxes, additional income should be reported along with your employment tax documents, where your estimated tax payment on your profits will be determined.

Make sure to consult a Certified Professional Accountant or tax preparer regarding your specific tax situation on how best to navigate filing your additional income this tax season.

Keep Track Of Your Expenses For Possible Tax Deductions

Good recordkeeping is essential to a good tax strategy for your side hustle. Tracking out-of-pocket expenses and costs related to your side job will benefit you when filing during tax season.

Business losses and expenses help lower your taxable income and can be used as itemized deductions. Expenses incurred and equipment needed to carry out your side gig should be reported on your personal taxes to offset your tax liability. Ordinary and necessary business expenses can include home office or vehicle use by mileage, equipment and other costs associated with the job. Having a good record-keeping strategy for these expenses will help you be better prepared for filing your taxes.

A separate bank account for your side hustle keeps personal and business expenses separate and helps track costs to report these deductions in your tax filings. Keep physical and digital receipts of business-related expenses like supplies, home utility costs like your internet bill if your side job requires you to work from home and mileage and travel costs. Detailed records of your out-of-pocket costs related to your side job will make filing your personal taxes more efficient and lowers what you’ll potentially owe to the IRS.  

Consider Making Quarterly Tax Payments

If you are expecting a sizable revenue stream with your side gig, consider paying your taxes in advance throughout the year to avoid a large bill to the IRS during tax season. When making quarterly payments to the IRS, you are manually withholding earned wages to proactively pay taxes on that income. This strategy is on a case-by-case basis, depending on whether your earnings are significant or only a few extra bucks. Quarterly tax payments help lower your liability when filing your personal taxes, as it spreads your payments over time throughout the year vs. a lump sum.

Prepare Early For Future Estimated Tax Payments

Take control of your own tax liability and set aside some of your earnings to be prepared for any estimated tax payments you may have to make come tax season. Utilize a high-yield savings account and stash away a percentage of what you make from your side gig.

If you are a contractor, self-employed, or have a side job, the general recommendation is to save around 25-30% of your income to cover your tax liability, according to the national tax services company Jackson Hewitt. This percentage is in line with what would normally come out of your paycheck for federal and state taxes and helps cover future tax payments. Every tax situation is different, however, and in some cases, saving less or more for your estimated tax bill may be ideal. A good rule of thumb is to set aside some of your income made from your side hustle, no matter how small, as taxes will always be owed on the total amount every tax season.

This article Why You Need A Separate Tax Strategy For Your Side Hustle was originally published on HerAgenda.com

For decades, the “power list” has served as the professional world’s most coveted shorthand for success. However, as the global economy undergoes a major shift, the traditional recognitions of achievement are changing. 

Today, leadership is no longer defined solely by tenure or title, but rather by the audacity to build in the face of uncertainty. At Her Agenda, we recognize that modern women are moving beyond the era of seeking permission. They are designing their own frameworks, funding their own visions, and, quite literally, designing their own paths.

To honor this evolution, we are proud to announce the call for nominations for our inaugural list of The Groundbreakers. Her Agenda will celebrate 50 women who are transforming their fields and shaping the infrastructure of tomorrow.

Being recognized on a curated list is more than a fleeting moment of prestige. We are documenting shifts in those making economic and professional moves. Research shows that visibility is an important tool for women in business. 

According to the 2025 Women in the Workplace report by McKinsey & Co. and LeanIn.Org, women continue to face the “broken rung,” where for every 100 men promoted to manager, only 87 women (and only 81 women of color) make that first step up. Inclusion in a high-profile list helps repair this rung by providing the external visibility and third-party validation necessary to attract sponsorship, venture capital, and board seat invitations. By highlighting these 50 leaders, we are creating a platform for their personal brands, ensuring their impact is seen by the decision-makers who shape the global economy.

Defining The Groundbreakers

A Groundbreaker is a woman who sees a void and treats it as a blueprint. Our 2026 index will focus on five distinct pillars of impact:

• The Ambitious: Rising stars who are fueled by vision and drive. These women are early in their journey but already demonstrating bold action, focus, and promise.
• The Agenda Setters: Cultural visionaries and media influencers shaping conversations across entertainment, fashion, art, and digital platforms.
• The Achievers: Proven leaders with track records of exceptional business results, organizational impact, and measurable success in their industries.
• The Advocates: Changemakers in nonprofit leadership, caregiving, social justice, and community building – perfect for purpose-driven brand alignment.
• The Architects: System builders and infrastructure creators whose work enables others to rise. These women design the frameworks, institutions, and foundations that transform entire fields-their innovations outlast trends and shape what comes next.

We invite you to help us find the women who are challenging norms and redefining the very nature of success. Whether they are building the tech of the future or the social justice frameworks of today, we want to hear their stories.

Nominations for the inaugural Groundbreakers are now open! Applications close on July 18, 2026.

This article The Groundbreakers 2026: Nominations Open Now! was originally published on HerAgenda.com

In a perfect world, we’d all like to wake up at noon, go have brunch, shop after, squeeze in a nap, and go wherever the wind blows afterward. Unfortunately, we don’t all have such luxuries. Present-day, the “soft life” social media trend has evolved into what some may call a facade, as what people choose to post online can be fabrications of their reality.

Let’s explore the true cost of living, said “soft life” while on a tight (realistic) budget, and see if it is financially possible. How soft can one’s life truly be in the real world?

What Exactly Is A ‘Soft Life?’

According to Dictionary.com, it’s a lifestyle of comfort and relaxation with minimal challenges or stress. Some people use the term in reference to a life that involves (and is a product of) wealth and luxury, while others interpret it as simply being a simplified life unburdened from stress and responsibilities.

Oftentimes, a soft life is glorified as a life of ease, focusing less on working and paying bills, but instead enjoying nature, prioritizing hobbies, and pampering; all of the things that aren’t regular activities that the average person with a full-time job can do at any time are considered soft. Soft is life without stress.

How Does It Feed Into Consumerism

Consumerism comes into play with the unlimited amount of products, places, activities, and more that can equate to a soft life. There’s an abundance of opportunity to tag, link, highlight, and create content online with brand deals, influencers, and the like to persuade people to purchase certain things to experience the ultimate effects of living a slower, more peaceful life.

Science of Retail adds that home cooking has moved beyond the utilitarian. Sourdough starters, small-batch pasta, and slow-roasted vegetables now fill social feeds. Activities that emphasize repetition, presence, and tactility (e.g., knitting, puzzles, journaling, gardening) have surged in popularity. Pilates has reemerged as a favored form of movement. It is praised for its focus on alignment, control, and low-impact strength. Even cleaning has been reimagined as a soothing ritual, with content creators dedicating entire channels to gentle restocks and reset routines.

A Soft Life Can Hit Hard Financially… Without A Plan

According to Mindy Smoak of Her Agenda, a soft life is financially attainable as long as you are willing to be wise and create a plan. When making decisions about how to live a soft life, think about this advice from Denee Tamia, a TikTok content creator and advocate of soft living, and add how to budget for it to your priorities.

If you have a tight budget, fixed income, or your hands are tied, planning is the best way to use your money wisely. Seeing your finances on paper can make all the difference. Write out your income(s), bills, expenses, necessities, and things you can do without, and a soft life may be feasible for you.

Is A Soft Life Self-Care On Steroids?

A soft life is often noted as a more boundary-filled, elevated, and intentional form of self-care. The major difference is that self-care isn’t as frequent as opposed to a soft life. For example, a person may get a massage for their birthday annually as self-care, while another person may get a massage every month, living a soft life.

People like to look at a soft life as freedom, free will, and fearlessness. It is a gamble, yet the intent is to recalibrate the system of life and reimagine it in a way that is beneficial to you. Instead of prioritizing and dedicating your life to work, stressing over bills, and living paycheck to paycheck, a soft life challenges you to prioritize yourself and the happiness you feel you deserve.

This article The True Cost Of Living A Soft Life On A Hard Budget was originally published on HerAgenda.com

Automation can reshape how finances are managed. For decades, personal finance advice emphasized behavioral habits such as budgeting carefully, resisting impulse purchases, and remembering to save consistently. Today, however, financial technology platforms increasingly automate these processes, allowing money management to operate in the background with minimal manual intervention.

According to McKinsey & Company, digital financial tools and automated payment systems have expanded significantly, enabling the ability to automate tasks such as savings transfers, investment contributions, and bill payments. As automation becomes more embedded in everyday banking and investing, financial outcomes are shifting from daily discipline to the design of the financial systems people put in place.

How Automation Changes The Nature Of Financial Discipline

Financial discipline historically depended on consistent behavior. Many needed to actively budget, monitor spending, and manually allocate money to savings or investment accounts. Maintaining these habits required continuous attention and willpower.

Automation is changing this dynamic. According to Wonder Post Finance, modern financial platforms allow users to schedule recurring transfers, automate bill payments, and automatically invest portions of their income. Once these systems are established, they continue operating without requiring repeated decision-making.

This shift means that financial success increasingly depends on the structure of the system rather than moment-to-moment choices, according to Finverium. Instead of deciding each month whether to save or invest, users configure automated processes that execute those decisions consistently over time.

Automated Investing Removes Behavioral Bias

Many investment platforms allow users to set up recurring deposits that are invested into diversified portfolios on a fixed schedule. Platforms such as Vanguard and Betterment have popularized automatic investment contributions, allowing investors to follow disciplined strategies without having to actively monitor market conditions.

Automation can also reduce common behavioral mistakes. Research from DALBAR says the average investor underperforms market benchmarks due to poorly timed buying and selling decisions driven by emotional reactions to market volatility. Automated investing strategies help address this problem by reducing the number of decisions investors make during market fluctuations.

By limiting opportunities for emotional decision-making, automated systems encourage long-term investment consistency.

Automated Savings Systems Increase Financial Stability

Automation is also transforming how households build savings. Many banks and financial apps now allow users to automatically transfer funds into savings accounts or emergency funds at regular intervals.

According to the Consumer Financial Protection Bureau, automated savings tools significantly increase the likelihood that households maintain emergency funds because deposits occur automatically rather than requiring repeated behavioral effort.

For example, a system might automatically allocate a percentage of each paycheck to an emergency savings account before discretionary spending occurs. By structuring the system in advance, individuals effectively remove the need to decide whether to save each month.

From Behavior-Based Finance To System-Based Finance

These developments represent a broader shift from behavior-based finance to system-based finance.

In a traditional financial model, individuals needed strong discipline to maintain good financial habits. In a system-based model, financial outcomes are engineered through automated workflows.

A well-designed system might include:

• Automatic investment contributions from each paycheck
• Scheduled transfers into emergency savings
• Automatic bill payments
• Separate accounts for discretionary spending

Once these processes are configured, the system itself reinforces consistent financial behavior, according to HSBC.

Automation Is Expanding Beyond Personal Finance

Automation is not limited to household finances, either. Businesses and financial institutions are also integrating automated systems to manage financial operations.

Deloitte found that finance departments are increasingly adopting automation and artificial intelligence tools to streamline forecasting, reporting, and expense management. These technologies reduce manual administrative work and allow financial professionals to focus more on strategic planning.

As automation becomes more integrated into financial infrastructure, system design is becoming an essential skill for both individuals and organizations.

This article Why System Design Is Replacing Financial Discipline In The Age Of Automation was originally published on HerAgenda.com

Just like we experience different phases of life in terms of our health, career, and family, our financial life has a cycle of its own, complete with different phases. Whether you are at the start of your career and focusing on building your wealth or nearing retirement, it’s important to understand the difference between accumulation and longevity spending so you can make informed financial choices.

What Is Accumulation Spending?

Just like we experience different phases of life in terms of our health, career, and family, our financial life has a cycle of its own, complete with different phases. Whether you are at the start of your career and focusing on building your wealth or nearing retirement, it’s important to understand the difference between accumulation and longevity spending so you can make informed financial planning choices.

Accumulation Spending is the first phase of one’s financial life. The Bank of Colorado describes it as the “build and grow phase.” This is the time from the start of your career until retirement, in which you are accumulating money from working and saving, and making investment choices that allow your money to grow.

“The key to accumulating wealth is to start early,” according to The Bank of Colorado. “The earlier you start, the more your money can grow and the better off you’ll be – thanks to the magic of compounding interest.”

Stacy Miller, CFP® and Founder and CEO of BayView Financial Planning, recently spoke to Her Agenda about the importance of understanding compound interest. Stacy warns that when you don’t, it is very easy to get caught up in a cycle of growing debt.

Instead of being victim to compound interest, Stacy recommends finding ways to earn it yourself, such as opening a High Yield Savings Account.

While saving is an essential part of the phase, investing is equally important. “A diversified investment strategy can often help you earn a return on investment that beats inflation,” she says.

Part of being savvy while you’re accumulating your wealth is knowing when it’s appropriate to spend. Stacy is an advocate of investing in yourself or, as she likes to call it, investing in “future you,” through education, promotion, or adding new streams of income. These ventures might require upfront capital, but will ultimately position you to earn more money in the long run: money that can be saved and invested.

What Is Longevity-Focused Spending?

Longevity Spending is often referred to as decumulation or distribution: it’s the phase in one’s financial life that comes after retirement, when one is no longer focused on building wealth but withdrawing from assets in a way that covers one’s expenses while making sure the funds will last throughout the rest of one’s life.

According to The Bank of Colorado, “The goal of the distribution phase is to reduce risk. As you plan, think about reallocating part of your portfolio into safer investments. You don’t want to get caught in a sudden market shift that could substantially affect your earnings.”

How To Prepare To Shift From Accumulation to Longevity-Focused Spending?

While longevity in life is usually thought of as a blessing, we run into risks when we don’t plan for it financially. According to The Stanford Center on Longevity, half of pre-retiree women underestimate the life expectancy of the average 65-year-old woman. This can lead to problems such as retiring too early, failing to save enough, and underestimating expenses. When you underestimate life expectancy, you run the risk of running out of money in retirement.

Therefore, one of the most helpful things women can do to prepare for the shift from accumulation to distribution is to be aware of the tendency to underestimate life expectancy. Working with a Certified Financial Planner in both the accumulation and distribution phases of financial life can help you make more informed choices around when the shift from accumulation to distribution makes the most sense for you.

This article Understanding The Shift From Accumulation To Longevity-Focused Spending was originally published on HerAgenda.com

As tax season approaches, those who are earning six figures face a notably different landscape than in recent years. 

Major federal tax changes enacted under the One Big Beautiful Bill Act (OBBBA) — signed in mid‑2025 — are reshaping itemized deductions, including the oft‑debated SALT (state and local tax) deduction cap and other key elements of the tax code. 

According to Forbes, these shifts could meaningfully affect the returns of high‑income taxpayers,  especially those in high‑tax states or with large deductible expenses. It could also make decisions about itemizing deductions versus taking the standard deduction more consequential than ever. 

SALT Deduction Cap: Bigger, But With Income Limits

One of the biggest changes for the 2026 tax filing season (for 2025 income) is the expanded SALT deduction cap, as per Forbes. Previously capped at $10,000, the SALT deduction, which allows itemizers to deduct state and local taxes such as income and property taxes, was raised to $40,000 starting in 2025 and will index upward annually through 2029. 

However, this boost isn’t available for all high earners. For taxpayers with a modified adjusted gross income (MAGI) above approximately $505,000 in 2026, the deduction begins to phase out, reducing the benefit dollar for dollar beyond that threshold. Once income exceeds the top limits, the SALT deduction reverts to the original $10,000.

For six‑figure earners living in states with high taxes, like New York or California, this reform might make itemizing more favorable than in recent years, provided income stays below the phase‑out range.

Itemized Deductions VS Standard Deduction

Under current law, the standard deduction remains high due to adjustments first introduced by the 2017 Tax Cuts and Jobs Act (TCJA) and continued under OBBBA, as per the Bipartisan Policy Center. 

For many taxpayers, this means the standard deduction still exceeds the value of itemized deductions, especially if SALT and other itemized deductions are limited by income phaseouts.

Although for some six‑figure earners who pay significant state income or property taxes and mortgage interest, the expanded SALT cap could make itemizing worthwhile if total deductible expenses exceed the standard deduction. 

The Bipartisan Policy Center says determining which path yields a lower tax bill requires careful comparison of total itemized deductions against the standard deduction

New Limits On Charitable And Other Deductions Affect Top Brackets

Changes aren’t limited to SALT. Recent tax law updates also introduced new limitations that affect itemized deductions more broadly, particularly for taxpayers in the highest tax brackets. 

According to analysis from tax policy experts, taxpayers at the top marginal rate may face limits on how much their charitable and other itemized deductions reduce taxable income starting in 2026. 

These could reduce the marginal value of itemized deductions by scaling back the benefit as income rises. This means that even with a higher SALT cap, the overall tax savings from itemizing could be modest for top earners when weighed against the standard deduction.

Phaseouts, Planning, And High‑Income Thresholds

The phaseout rules associated with these changes could make tax planning especially important for high earners. 

According to the National Society of Tax Professionals, the SALT cap’s phaseout, beginning around $505,000,  and eventual reversion to the $10,000 limit at higher incomes, means that two taxpayers with similar gross income could see very different tax outcomes based on small differences in income

For example, a married couple earning just below the phaseout threshold might claim the full expanded SALT benefit and combine it with mortgage interest and charitable contributions to reduce taxable income significantly. However,  those just above the phaseout range may see little to no SALT benefit, narrowing the incentive to itemize at all, as per the National Society of Tax Professionals

This makes income timing and strategic deductions such as bunching property tax payments or charitable contributions into a single year, which are potentially valuable tools for reducing tax liability.

This article What Shifting Tax Policies And Itemization Caps Mean For High Earners was originally published on HerAgenda.com

Given the rising life expectancy to over 80, your money needs to last longer than traditional advice assumes. Align your wealth plan with your lifespan, treating retirement, health and life goals as a continuous journey. Strategic planning now lets you use your long horizon to build both security and freedom.

1. Understand And Mitigate Longevity Risk

In simple terms, longevity risk is the financial risk of outliving your money. With life expectancies now stretching past 80 years, your savings may need to support you for 30 years or more — a period in which inflation can seriously erode your purchasing power and health care costs can rise dramatically.

Your financial strategy should prioritize long-term growth that continues to outpace inflation, even after you stop working. This means building a flexible plan that not only funds your lifestyle but also includes a buffer for unforeseen costs, ensuring your financial health lasts.

2. Rethink Your Definition Of Retirement

The modern financial landscape requires people to consider what their savings are actually for. Experts recommend saving about 15% of your pre-tax income for retirement. For previous generations, that 15% was for a 15-20 year break from work. Today, it’s about funding a dynamic “second life” that could last 30 years or more.

This extended timeline, combined with challenges like the gender pay gap and career breaks for caregiving, means that a simple “set-it-and-forget-it” savings plan is not enough. Consistent saving is about building the financial freedom to pursue a nonlinear career, take a sabbatical, invest in a passion project or comfortably weather life’s unpredictabilities. That 15% is the fuel for a longer, more flexible and more self-directed life.

3. Maximize Your Tax-Advantaged Accounts

Your top priority should be contributing enough to your 401(k) or other employer-sponsored plan to get the full company match. This is a 100% return on your investment before it even has a chance to grow. Make sure you also understand your company’s vesting schedule, which dictates when the matched funds are officially yours to keep.

The next bucket to fill is an individual retirement account (IRA). A Roth IRA is often a powerful choice, as it’s funded with after-tax dollars, meaning your investments grow and can be withdrawn completely tax-free in retirement. 

Circle back to your 401(k) and continue contributing until you hit the federal limit. Following this simple order ensures you make the most of every available tax advantage.

4. Create Multiple, Diverse Income Streams

Elder millennials, born between 1980 and 1986, are entering middle age in a landscape that requires flexibility and reinvention. Many embrace flexible lifestyles, blending remote work, side hustles and entrepreneurship to build income and purpose. 

Building multiple, diverse income streams strengthens financial resilience and long-term stability. Multiple revenue sources reduce the impact of fluctuations and keep cash flow steady, while diversification builds adaptability and growth potential.

Pair passive investments with consulting or side ventures. Strategic partnerships, entrepreneurial projects, and new skills expand opportunities and support short- and long-term goals. By regularly evaluating and adding streams, you reinforce financial independence and future-proof your earnings.

5. Plan For Future Health Care With An HSA

Financial health is about building a stable, flexible future that supports your goals and withstands life’s uncertainties. A longer life inevitably means higher lifetime health care costs. If you have a high-deductible health plan, a health savings account (HSA) offers a unique triple tax advantage — your contributions are tax-deductible, the money grows tax-free and withdrawals are tax-free when used for qualified medical expenses.

The money in an HSA is yours to keep forever and can be invested for long-term growth. It can cover everything from future prescriptions and dental work to long-term care premiums in retirement, ensuring that a health issue doesn’t derail your entire financial plan.

Make Your Money Work As Hard As You Dream

Align your wealth plan with a long life to make confident, flexible choices. Focus on retirement savings, tax-advantaged accounts, diverse income streams and health care protection. Proactive planning turns longevity challenges into opportunities, giving you security and freedom. Start now, stay consistent and let your strategy grow with your life.

This article Aligning Your Wealth Plan With An 80 Plus Year Life Expectancy was originally published on HerAgenda.com

We saw a shift in consumerism in 2025 as the U.S. faced self-imposed tariffs, rising housing costs, and a weakened job market. Consumer spending in the U.S. accounts for around 70% of the nation’s GDP (gross domestic product), which grew by +3.5% from July to September 2025, according to a January 2026 report from the U.S. Commerce Department. Unfortunately, the numbers do not reflect the sentiments of many Americans and their outlook on the economy. As a result, consumers are becoming more decisive as the U.S. economy continues to fluctuate in 2026. Spending looks to be more intentional for U.S. shoppers this year, as many economists expect quality and value to be the biggest influences for the average consumer.  

Affordability used to be king, but in 2026, the crown may go to value, brand loyalty, and quality. Here is how your consumer behavior may change in 2026, and what to consider when spending your money this year.

Spending Will Reflect A Divided Economy

Economic headwinds caused by inflation, the rising cost of living, and stagnant wage growth have impacted the way the U.S. consumer spends their discretionary income. This was apparent in 2025, when we saw a “K-shaped” economy emerge.

A K-Shaped economy exposes a significant gap in how Americans have been spending and thriving financially over the past few years following the pandemic. The growing wealth divide shows a disparity in earners, as high earners continue to grow their wealth and spend accordingly, while lower-income Americans continue to struggle under a tough economy, a gap that’s been growing wider since 2022. This gap has also tugged on the middle class, as many fall behind under the pressures of rising costs.

Because of this wealth divide, the average consumer is becoming more sensitive and conscious of their discretionary spending. Economists expect more intentional spending, as shoppers look to be mindful of their budgets and spend accordingly.

Brand Value And Quality Trump’s Affordability

Getting more bang for your buck seems to be a bygone sentiment for consumers, and in 2026, affordability may not always reign supreme. A study conducted in 2025 by NielsenIQ of the future consumer outlook saw that consumers are adapting to economic instability after a rocky year for the economy. At this comfort level, consumers this year are becoming savvier in what and how they purchase and are considering brand value and quality over quantity and steep affordability. This trend looks to be evident this year in the way shoppers spend on items like travel and clothing, where brands are now focusing on reasonably priced items without sacrificing quality.

Another sector where the value and quality are starting to prevail over affordability is in the travel industry. For some consumers, the savings of basic cabin and carry-on only airfares do not outweigh the benefits of premium tier features and brand loyalty.

Delta Airlines, which struggled to compete for years against other low-cost carriers, saw a solid close to its year in 2025, seeing stronger growth primarily from its high-income earning fliers who helped pad the decline of the budget-conscious main cabin flier. The popular airline continues to target its core base: affluent, loyal fliers who ditched budget travelers like Spirit Airlines and the once-affordable Southwest Airlines for premium service and value.

Younger Consumers Are Driving Trends

Legacy luxury brands are grabbing the attention of younger shoppers and reinventing themselves, thanks to Gen Z and their mindset around overall quality and value.

A recent analysis by CNBC in December 2025 revealed the reinvigoration of once-popular brand names like Michael Kors, Gap, and e.l.f Beauty, who saw a comeback in 2025 with new and younger customers. The luxury brand market is expected to grow over the next 10 years, as hyper-personalization and a focus on sustainable materials will drive the sector’s biggest growing audience: Gen Z and Millennials.

Brands that reflect their diverse customer base in their marketing and product offerings and that are mission-driven are also catching the eye of the younger consumer who is now looking for a more personal affinity in the products they purchase.

Brands that make it easier to purchase will also continue to gain some traction with shoppers, with the rise of TikTok Shop and other social media channels marketing and selling products on their platforms, innovating the way shopping is done online.

Health Benefits Are Crucial To Consumers

Trends in 2026 point to a continued focus on health benefits for consumers with an emphasis on products that actively improve their lives. Nutritious, clean, and effective, accessible everyday products look to corner the market in the health, food, and beauty space. The rise in GLP-1 products for weight loss and management, the effects of the boom of the wellness influencer industry, and the increased attention around ingredients like protein and fiber all suggest that consumers are looking to make purchases that maximize their overall wellness. According to market trends studied by Food Technology’s 2026 IFT Consumer Trends Survey, value, affordability, and health & wellness will be the key drivers for consumers looking to purchase food and healthcare products. Purchases will be driven by health benefits consumers are looking to experience, and they are willing to pay for them.

This article How Quality And Value Will Drive Consumer Behavior In 2026, And What To Consider When You Shop was originally published on HerAgenda.com

The ability to invest your money can come in many shapes and sizes. For women looking for a smaller barrier to entry, fractional real estate investing might be the vehicle for you. This method of investing is quickly gaining popularity. Mainly because it offers a more accessible, diversified, and flexible path to property ownership and a diverse portfolio.

According to an article on City National Bank’s website, there’s a strong connection between home ownership and wealth, at least in the United States. Millennial women are using fractional real estate investing to circumvent the traditional way of buying real estate. Prior to, an investor looking to acquire ownership in real estate would have to absorb all associated costs. Including the purchase of the property, taxes, maintenance, insurance, and more.

Currently, with fractional real estate investing, the costs are shared, and the barriers to entry are lower. This reduces the need for large amounts of capital. An additional perk of this method is that your risks are minimized by sharing the burden across several different owners, not just you.

Accessibility

Women interested in allocating part of their investment portfolios to fractional real estate investing might not know exactly where to look or how to get started. Turning to professionals who have already done it might be the best example. Real Estate Investment Company, Real Bricks, makes it possible for fractional ownership by providing more control over the properties you are investing in. According to Real Bricks’ website, fractional investing is an alternative option to investing in REITs (Real Estate Investment Trusts) because investors can choose exactly which properties they want. In contrast, REIT investors invest in a managed portfolio that includes numerous pre-selected properties.

Diversity

Mitigating risk without a lot of capital is one benefit of investing in fractional real estate. Diversification of your real estate portfolio is another great benefit of fractional ownership. According to an article in Arrived, investing in different locations, property types, and markets allows for diverse portfolios. Others may find the level of experimentation that is not possible with single-owner investments attractive as well.

Fractional real estate investing not only allows you to diversify the types of real estate investments in your portfolio, but also allows you to use this method of investing in tandem with more popular methods of investing, such as the stock market, gold, crypto, and private equity.

Flexibility

Unlike timeshares, which grant limited usage rights, fractional ownership provides actual equity in the property. According to an article on BHSUSA.com, a real estate investment company, fractional shares can grow in value and be sold or transferred, just like traditional real estate. In contrast, according to The US Securities and Exchange Commission, a REIT buys and develops properties primarily to operate them as part of its own investment portfolio.

Both timeshares and REITs function by utilizing real estate, but operate in two completely different ways. Timeshares grant usage for an allocated time in a designated space. According to the Securities and Exchange website, REITs are a company that owns income-producing real estate (e.g., apartment or commercial buildings) or real estate-related debt (e.g., mortgages). Publicly traded REITs have their securities registered with the SEC. Securities are listed for trading on the NYSE or NASDAQ exchange. 

The Bigger Picture

Millennial women are using fractional real estate investing to diversify their portfolios. This method of investing offers acceptability to people with smaller amounts of capital, flexibility for individuals looking for more control, and diversity for people looking to experiment with different assets.

This article is intended solely for informational purposes and does not constitute tax, legal, or financial advice. The content provided here is not a substitute for professional advice from a qualified tax advisor, attorney, or financial planner. Readers are encouraged to consult with a licensed tax professional. Also, connect with a legal advisor to obtain advice tailored to their specific circumstances. It is important to ensure compliance with applicable laws and regulations.

This article How Millennial Women Are Using Fractional Real Estate Investing To Diversify Their Portfolios was originally published on HerAgenda.com

In today’s era of extended lifespans, where individuals may need savings to last 30+ years, the traditional focus is asset accumulation, but in recent years, we’re now giving way to longevity-focused cash flow strategies. 

This shift prioritizes sustainable and reliable income over mere wealth growth, ensuring financial security without the pitfalls of market volatility. This article defines both approaches, weighs their benefits, and suggests a seamless transition from asset accumulation to longevity-focused cash flow.

Asset Accumulation

Asset accumulation is the process of acquiring and building up financial assets that hold value or generate income over time, which can include real estate properties, stocks and bonds, retirement accounts, businesses, and intellectual property. Unlike tangible assets like cars or houses, these assets gain value from contractual rights or their ability to produce income.

However, this kind of asset accumulation is centered around compounding. This takes time, as large returns come when you start using the capital generated by your investments to reinvest. It involves three key steps: generating income, saving, and investing. 

Asset accumulation is crucial in the journey towards generating wealth and financial stability. 

Benefits Of Asset Accumulation

1. Building Wealth: Asset accumulation serves as a fundamental strategy for building wealth. By continually acquiring assets that appreciate, individuals can increase their net worth. An example is investing in stocks or mutual funds where the earnings will be reinvested to generate additional returns over time. This compounding effect significantly enhances the value of an individual’s portfolio.
2. Portfolio Diversification: This is the spread of investment holdings across different asset classes, industries, and geographical regions. This helps protect one’s wealth from market fluctuations. For instance, a well-diversified portfolio may include a mix of stocks, bonds, real estate, and commodities. Diversification makes sure that any potential losses in one asset class can be offset by gains in another, resulting in a resilient investment strategy.
3. Generating Passive Income: Active income requires continuous time and effort—when you stop working, the money stops flowing, but passive income flows whether you’re working, sleeping, or on vacation. Rental properties continue collecting rent. Dividend stocks continue to deliver quarterly payouts. These income-generating assets work effectively without requiring your direct involvement. This income can also be reinvested to acquire additional assets, accelerating the process of wealth creation.
4. Time Pays Well: While income is typically decreased with inflation, cost-of-living raises, or promotions, assets can experience exponential growth through appreciation. One can leverage this through strategic long-term holding. When quality assets are held for decades, their value can multiply several times.

Longevity Focused Cash Flow

Asset accumulation and investments feel real but can disappear. On the other hand, cash flow is tangible. A portfolio that creates predictable income, regardless of stock market volatility, offers confidence and control. It’s better to focus on asset performance in terms of yield, not just appreciation. Acquire assets that spin off income, rather than ones that require liquidation to produce cash. At some point, the cash flow from these assets becomes self-sustaining.

Creating a cash flow model is absolutely doable, and the current trend of the “side hustle” and “entrepreneurship” shows how feasible it is. Some of the paths to developing these model assets include the use of rental properties, equity investing, cash-rich small businesses like laundromats and supermarkets, and online businesses. You can set up a new business or leverage your existing one for multiple income streams like website ads, e-books, memberships, consulting, public speaking, and franchise opportunities. 

Benefits Of Longevity Focused Cash Flow

1. Stability and Predictability: Cash flow prioritizes tangible income (e.g., dividends, rentals) over fluctuating asset values, ensuring expenses are covered regardless of market dips. This “paycheck-like” reliability supports longevity, with modeling projecting sustainability under scenarios like inflation or healthcare costs.
2. Risk Reduction: It minimizes sequence-of-returns risk by using safe buckets (cash/bonds for 2-5 years’ needs), preserving principal and avoiding forced sales during downturns. It inspires confidence, as income exceeds outflows predictably.
3. Lifestyle Benefits: This model fosters discipline and longevity, which is key for long-term adherence and trust. It aligns with real expenses, allows lifestyle flexibility, and supports multigenerational wealth.
4. Legacy and Flexibility: Surplus cash flow preserves wealth for heirs or charity without depletion, while enabling adjustments for quick life changes like relocation and urgent purchases. For instance, income-focused portfolios can yield steady returns while growing principal, outperforming strategies in volatile markets.

How To Shift From Asset Accumulation To Focused Cash Flow

In an investment backed by asset accumulation, one bear market, one recession, or even a few bad quarters can derail an otherwise reliable portfolio. 

As one gets older and matures, one’s focus starts to shift. We begin to wonder if our money is working as consistently as we need it to. Most importantly, we start contemplating how to generate a reliable income stream that will last for the next 20 or 30 years during which we might not be able work as effectively. 

The first step is awareness. You need to see your personal economy as something that should earn for you. That means tracking not just your balance, but your flow. How much truly comes in? Where exactly does it go? What is the consistent surplus?

Once you know the surplus, you can stop letting it just accumulate. Now, instead of leaving this extra money in your banking portfolio, you move it to a separate, dedicated venture that can make you more money.

Then you decide, do you step into a strategic rental, a business partnership, or a dividend-focused portfolio? Shifting from asset accumulation to focused cash flow is about refusing to let your surplus income be accidental. You have to become intentional about directing it toward assets that feed you back.

This article Shifting From Asset Accumulation To Longevity Focused Cash Flow was originally published on HerAgenda.com

Earlier this year, the Federal Reserve decided to hold federal funds interest rates in the 3.50%-3.75% range after seeing rate cuts in 2025. As we’re seeing a transition out of a higher-interest-rate environment into a more moderate one, Her Agenda spoke to a Certified Financial Planner to find out the best ways to keep building wealth.

Sara Wright, CFP® Professional with Domain Money, says that the best piece of financial advice she ever received is that it’s not about the size of your paycheck—it’s about how much you save after the essentials are covered. For Sara, this is important for women to remember, no matter what financial environment we’re in.

“This stuck with me because it highlights the one thing we truly control: what we do with our extra dollars. It’s easy to let lifestyle creep happen as income rises, but wealth is built by being deliberate with spending and prioritizing saving and investing. No matter how much you earn, being intentional with your money ultimately drives financial security and long-term success,” she stated.

Sara also emphasizes the importance of having foundational knowledge before making decisions, “When we talk about maximizing wealth, it starts with understanding the basics: how different accounts work (like 401Ks, IRA, pre-tax versus Roth, and taxable accounts), and the difference between stocks and bonds,” she says. “It’s also important to understand the power of compounding, diversification, and how risk tolerance changes depending on goals and time horizon.”

Having personal understanding is just as important. In order to maximize wealth, she says we must first know how much we’re earning versus how much we’re spending.

“Wealth is built on what you consistently save and invest,” says Sara. “Having clear goals and a sense of why you’re building wealth helps to guide these financial decisions.”

Here are four other tips for maximizing wealth, even if interest rates dip lower in time.

1. Know Your Goals, Risk Tolerance, and Time Horizon

“We shouldn’t let short-term fluctuations drive our long-term investment strategy,” says Sarah. “It’s important to create an investment strategy that’s based on goals, time horizon, and risk tolerance.” 

Regardless of whether rates are high or low, Sara says we should always be thinking about how long we have before needing the money we’re investing. If we won’t need the fund for five or more years, she says they can be invested in the market as they’ll have time to weather the changes of the market. From there, she says the balance between stocks and bonds is chosen based on risk tolerance and time horizon.

Finding this harmony is essential: goal-based decisions help us maintain confidence even when the outside environment changes.  

Sara adds, “Bonds, stocks, cash, and loans all respond to moving interest rates. The most effective strategy is staying diversified, investing consistently, aligning investment strategy with goals, and keeping strong financial habits.”

2. Put More In Your Investment Accounts

“For those with extra cash flow, now is a great time to invest more into your investment accounts each month,” she says. “Declining rates typically stimulate the economy, so we could see an increase in stock prices.”

If you don’t have extra cash flow, that’s okay, too. Rather than focusing on investing more, you might first focus on adding to your income stream, whether it’s through negotiating your salary or adding an extra income stream. Once that increased cash flow is established and you have more to save, you can focus on investing it, too.

3. Don’t Discount Your High-Yield Savings Account

While High Yield Savings Accounts won’t be at their highest rates when federal interest rates are lower, that doesn’t mean that they should be neglected or discounted as a means to build wealth.

“Even when rates are lower, I still recommend keeping an emergency fund in a high-yield savings account,” says Sara. “Although the rates on these are affected by interest rates, they’ll still be higher than a traditional savings account.”

4. Explore Refinancing

Lower interest rate environments are not without opportunities: in fact, they can be a great time to refinance.

If you’re someone with a higher-rate mortgage or expensive consumer debt, Sara says you might want to consider using lower interest rate environments as a chance to refinance and consolidate.

Of course, these choices shouldn’t be taken lightly.

“Refinancing comes with upfront costs, so those costs should be compared against the long-term interest savings,” she says. Decisions like this should be thought over with a financial advisor.

This article 5 Strategies For Maximizing Wealth In A Lower Interest Rate Environment was originally published on HerAgenda.com

Long gone are the days of traditional concepts of relationships; millennial women are defining their standards on their own terms in both the professional and personal realms. Instead of feeding into societal norms that present unrealistic expectations, millennial women are reshaping what it means to live by their means.

Marriage, a house, and a baby carriage, in that order, is no longer the standard that millennial women subscribe to. Unlike their predecessors, the idea of marriage isn’t a priority or ultimate goal. In many ways, buying a home with a partner presents a commitment equivalent to marriage, as the arrangement is on paper.

The Major Reasons Millennial Women Opt For Buying A House With A Partner

With the economy and inflation living together with a partner makes perfect sense; from the likes of rent, groceries, gas, and pretty much everything else you need to survive being spiked in price, having someone to lessen the load could be considered a godsend. Buying a home takes away the stress of increased rent every year and moving; additionally, purchasing a home is a big move, and having something you own, with a partner, is a commitment and a symbol of intention for longevity.

According to Fortune, in October 2023, mortgage rates peaked at 8%, a two-decade high, and have since dropped to 6.34%. Elevated home prices across the U.S., along with consumer challenges associated with an inflationary period, have made homeownership the least accessible it’s been in decades, particularly for younger generations. Home prices are up about 50% in the past five years, according to the Case-Shiller Home Price Index.

The Risk Of Buying A House Before Spouse

Though buying a home with a partner before marriage for millennial women doesn’t seem like a big deal, legally, it can be a risk. According to Business Insider, if the relationship ends, there could be mortgage and legal fees involved with taking a person off the mortgage or home deed. And ultimately, if the home is sold, the pair would split the loss.

As an alternative, Spokane Journal suggests is to create a legal entity, such as an LLC, to hold the property and in which both individuals are members. But don’t forget to draft an operating agreement, too, which would head off issues in case of a breakup.

Why Millennial Women Aren’t Rushing Towards Marriage

According to Thought Catalog, millennials, generally speaking, are turned off by the idea of divorce. Some Generation Y individuals grew up in single-parent homes or juggled the balance of living between divorced parents. The economic, emotional, and relational implications of divorce are enough to make millennials want to find that sense of certainty before walking down the aisle. If that means taking 10 more years to find it, then so be it.

Another factor that millennial women have is education. Higher education brings enlightenment, empowerment, and engagement. These essentials allow for a wider perspective and opportunities professionally that can shape one’s thoughts on marriage. So instead of getting married and being a stay-at-home wife building a family (which is perfectly fine), driven millennial women would rather build an empire.

Ultimately, millennial women are paving their own way, despite the baby boomer footsteps that came before. By creating a new path, they are adapting to circumstances that generations before didn’t have to. Though some millennials do still hang onto traditional values, they are reshaping what their lives could be and look like. This is a testament to millennials as a generation, as professionally, millennial women have created their own lanes as entrepreneurs, proving that they can be bosses and live the lives they desire.

This article House Before Spouse: How Millennial Women Are Reshaping Traditional Values was originally published on HerAgenda.com

Most people, especially women, do not have a financial advisor even when they need one because they think they don’t make enough money, couldn’t cover the costs, or simply don’t feel comfortable making financial decisions. Only 27% of Americans have a financial advisor, with lower rates amongst women (22% as opposed to 32% for their male counterparts). On the other end, 41% of Americans report having at least consulted occasionally. Most people still prefer advice from friends and family, which is most common in younger adults. 

For many, the reticence to reach out for professional help stems from their lack of confidence. Most Americans (72 %) don’t feel confident handling finances. The top three following reasons are sentiments of “I don’t have enough money” (31%), “My money isn’t that complex” (26%), and “I actually like doing it myself” (24%). 

What most people don’t understand is that you don’t need to be rich, have an incredibly large portfolio or varied sources of income, or be where you want to be financially to need or deserve a financial advisor. That’s because having one can actually push you to get to where you want to go. 

So, Do You Need A Financial Advisor?

Probably—and not because you’re “bad with money.” Most people can benefit from an outside perspective on their finances. It’s time to let go of the myths you’ve been carrying your whole life and rethink what financial support can actually look like. Here are some signs to know if it might be time to seek financial guidance: 

• You’re self-employed, freelancing, or dealing with inconsistent income
• You feel overwhelmed by investing options (mutual funds, robo-advisors, DIY investing, etc.)
• You’ve received an inheritance or an unexpected lump sum
• Your job is demanding, and you don’t have time to research financial strategies
• You’ve gone through a major life change (new job, buying property, having a child)
• You want a yearly financial check-in to make sure you’re still on track

If you’re ready to start looking, here’s some advice: 

Start Small 

Many banks offer free or low-cost financial advice. Meeting with a financial advisor can help you feel empowered by teaching you the ropes, helping you develop short and long-term goals, as well as keep you on track—who doesn’t need a little accountability? Even one conversation can help you see things you haven’t considered before while understanding your options and building confidence in your handling of finances. 

“Start where you are,” said Drew Blackston, financial advisor, “ that is better than doing nothing.”

So don’t worry about how much is in your bank account because you don’t need a perfect bank statement or a perfect plan; you just need a starting point.

Invest in Knowledge, Not Just Products

A financial advisor should do more than just “handle your finances.” They should help you understand why you make the financial decisions you make, how to change them, and explain their plan for your money. “Give a woman a fish…” The more you understand how money works, the more confident you become. Financial education can help you avoid emotional decisions, understand risk, and feel more in control of your financial future.

“An investment in knowledge pays the best interest,” wrote Benjamin Franklin.

It’s not just about accumulating wealth; it’s about understanding how to make your money work for you. 

Turn Intentions Into Action

We all know the basics, right? Save more, spend less, invest early. The hard part is actually doing it, sticking to your plan, and not taking money out of your savings for this trip, even though you said you wouldn’t. A financial advisor can help turn your intentions into real, manageable habits by helping you set timelines, track progress, and adjust when needed.

“Do not save what is left after spending, but spend what is left after saving,” wrote Warren Buffett.

“If you have a good systematic savings, you are invested aggressively enough, and have a solid cash reserve,” said Aaron Agte, founder of Graystone Advisor, “then most of the rest of the advice becomes optimizing on the margins.” 

When it comes to financial planning, you have to think long-term. Patience and consistency are key. Regardless of what your financial goals are, looking into financial advising can be the push you need to get from “I have no idea what’s going on,” to “Actually, I am capable of making smart, informed, financial decisions.” Go forth and budget. 

This article You Don’t Need To Be ‘Bad With Money’ To Need Financial Support was originally published on HerAgenda.com

Smart money management is essential when unpredictable compensation is your main source of income. Working in high-level freelance, consulting, or contract-based roles, specifically in the C-Suite, calls for discipline. Strict planning, budgeting, and financial literacy are methods for ensuring your lifestyle is uninterrupted between gigs as a fractional executive.

An article in a media outlet, Forbes, discusses the growing popularity of the gig-executive and explores the number of individuals who earn a living with this lifestyle. With a strict strategy for work, money for life between gigs, and a cushion for unplanned circumstances, variable income in the gig-executive economy is sustainable.

Planning

Working as a gig-executive has its rewards. Flexibility to work for several companies while building a portfolio is one of them. There is even the potential to grow passion projects simultaneously. Downsides of working as a gig-executive are the gaps in employment and the uncertainty of when the next position will become available. Planning for the points in time when income may come to a halt is important. One method of offsetting these risks is by creating a plan to earn supplemental income. Teaching, consultation work, and public speaking are common ways of earning money and making ends meet between gigs.

Budgeting

Media outlet, US News, featured a quote from certified budget coach, Kerrie Saephanh, “A common rule of thumb is the 50-30-20 rule. The idea is that you divide your net income into three categories: spending 50% on needs, 30% on wants, and 20% on savings. Keep in mind that this is a generic rule meant to be a starting point, and these percentages will change based on your cost of living, goals, and income level,” she adds.

Detailed planning is necessary to cover several of life’s circumstances. Emergencies, health scares, and unplanned repairs are just a few factors to consider when outlining a short-term and long-term budget. A good financial plan looks into the future and accounts for the unexpected.

Financial Literacy

Education centered around money is necessary for both short-term and long-term success regarding money management. Understanding strategies such as where to store your money, how to store your money, and for how long is very important. The process of gaining knowledge often comes with common questions. Educating yourself on best practices will help you maximize your dollar and minimize costly financial mistakes. A good place to start is visiting your local bank. Speaking with a banker is a quick and easy way to learn about banking products while getting one-on-one time with a real person. An alternative method of gaining financial literacy is reading books and magazines. A popular book is “Rich Dad Poor Dad” by Robert Kiyosaki and Sharon Lechter. A few financial publications include The Wall Street Journal and Kiplinger Magazine.

Retirement

Non-traditional methods of employment call for non-traditional savings. It is important to keep retirement in mind when planning, budgeting, and gaining financial literacy. In an advice column by Horizon Credit Union, three methods of saving for retirement are highlighted: Solo 401(k)s, Self-Directed IRA and Roth IRAs, and SEP IRAs.

Solo 401(k). A Solo 401(k) is an option for people who are in business for themselves without employees other than maybe their spouse in their business entity. Individuals who go with a Solo 401(k) can contribute as both employee and employer, meaning even bigger savings toward eventual retirement.

Self-Directed IRA & Roths. Self-Directed IRAs and Roth IRAs are another choice for retirement for sole proprietors and freelancers. You can fund an IRA as long as you have some earned income for the year. But the annual contribution limits are similar to those of other available IRA options.

SEP IRA. Now, the Solo 401(k) provides many advantages over a SEP-IRA and is typically ideal for businesses with just a sole proprietor and spouse. But once you begin hiring full-time employees, you can no longer use a Solo 401(k). The Simplified Employee Pension (SEP-IRA) is the ideal option at the time when your business begins growing. It is easy to administer and cost-effective to set up.

The gig-executive economy is reshaping the future of employment. The next wave of professionals will enjoy more freedom, diverse portfolios, and colorful careers. Now more than ever is the time to sharpen skills in planning, budgeting, and financial literacy. Your future self will thank you and be happy that you considered retirement and planned for your future.

This article is intended solely for informational purposes and does not constitute tax, legal, or financial advice. The content provided here is not a substitute for professional advice from a qualified tax advisor, attorney, or financial planner. Readers are encouraged to consult with a licensed tax professional or legal advisor to obtain advice tailored to their specific circumstances and ensure compliance with applicable laws and regulations.

This article How To Manage Variable Income In The Gig-Executive Economy was originally published on HerAgenda.com

Popular makeup brand Live Tinted gets a sizeable valuation in its latest round of funding, led by Curate Capital, L’Oreal’s BOLD venture arm for female-led consumer brands, reported by WWD. The undisclosed valuation is reported to be over double the company’s initial round of funding in 2023, signaling optimism and investment in the future strategic moves of the Los Angeles-based makeup brand.

“When I first invested in 2021, I was immediately drawn to her [Deepica Mutyala’s] vision, conviction, and the purpose behind Live Tinted,” reported Carrie Colbert, founding and general partner of Curate Capital, to Women’s Wear Daily. “Watching the brand grow and deeply resonate with such a broad and passionate community has been incredibly rewarding.”

A Makeup Brand Founded For All Skin Tones And Complexions

Live Tinted, founded by former Birchbox brand development manager and viral influencer Deepica Mutyala, has created a loyal following of users of their vegan and cruelty-free makeup products. The makeup brand sold more than one million products in 2025, including its bestsellers HUEGUARD 3-in-1 Mineral Sunscreen, Hyperpigmentation Serum Stick, and its very first product, the ever-popular HUESTICK All-over Color Corrector. What truly makes the #TintFam makeup community so loyal to its award-winning products is Live Tinted’s mission to inclusivity, reflected in its beauty products. With offerings like shade match to help customers find products that accurately reflect their hue and over 20 shades available for some of their most popular products, Live Tinted strives to create makeup and skincare that live out its mission. This is one of the founding principles of the makeup brand, something founder Deepica Mutyala, a South Asian Texas native, has kept at the center of her company from the start.

“From day one, we have built beauty products that work across all skin tones, with complexion and sun protection at the core, without compromise,” said Deepica Mutyala, reported by Cosmetics Business.

Live Tinted Secures Funding From Major Cosmetic Brands

Colorism as a South Asian woman inspired founder Deepica Mutyala, and became the heart of her pitch to investors for the first round of funding for her company Live Tinted back in 2023. After going viral in 2015 for a makeup hack she posted online (which also inspired her makeup brand’s first product), Deepica Mutyala decided to build her own makeup company, and Live Tinted was formed in 2018. Huestick, Live Tinted’s first product in 2019, put the makeup brand on the market, and four years later, the company saw a valuation of $10 million dollars in its series A investing round according to WWD. Now, with L’Oreal’s female venture capital firm Curate Capital leading the latest successful venture round, the brand will continue to thrive, with investments made from major companies including BOLD (Business Opportunities for L’Oreal Development), Birchbox co-founder Hayley Barna, and continuing investor Unilever Ventures.

This article Makeup Brand Live Tinted Receives Substantial Series B Funding Backed By L’Oreal’s Venture Capital Firm was originally published on HerAgenda.com

American historian Juliet E. K. Walker is credited with coining the term “The Golden Age of Black-owned businesses” for the period between the 1900’s and 1930’s. The term was first seen in her book, “History of Black Business in America: Capitalism, Race, Entrepreneurship.” During this Golden Age, Black-owned businesses thrived, prospered, and impacted the Black community in a positive way. There are several lessons that modern business owners can learn from The Golden Age, and those lessons can still be used today.

The Golden Age is marked by the rapid growth of entrepreneurship in the Black community. Due to segregation and harsh Jim Crow laws, this secondary economy came into existence. Black Americans were forced to turn to creativity and ingenuity to sustain their communities. Leaders such as Booker T. Washington helped create the National Business League, just one of the many tools that helped eager community leaders start mom and pop establishments to service communities shut out from the primary economy.

The Importance of Banking

A few key lessons stand out while exploring this period of time. One of them is the importance of banking. Banking is the foundation of all successful economies. According to WPLN, One Cent Bank, now Citizen Savings Bank & Trust, was the brainchild of 16 local businessmen and community leaders who shared a vision to provide fair and adequate financial services to the underserved African-American community. Established in 1904, Citizen Savings Bank & Trust still stands today.

In the modern day, the importance of having access to banking and financial institutions still rings true. Without payment processing, a place to store capital, the opportunity to build credit, and access to funds, business owners will find themselves shut out of the opportunity to operate in any community.

Building A Strong Community

During this time period, building was the common theme. Black business owners focused on providing basic needs and services to sustain the community. Small businesses such as barber shops, funeral homes, hotels, and restaurants sprang into action. Often established by local community members looking to support their families and provide essential services to the communities in which they reside.

Small business owners struggling in the present day might take note of the importance of the “boring” business. An article in Entrepreneur, a news outlet, explores how boring businesses are the backbone of our economy. Although a boring business might not be shiny and glamorous, they provide everyday needs such as laundry services, home repair, and other essentials that keep a community running.

Participating In Group Economics

The pooling of resources, skills, knowledge, and the circulation of wealth are the primary ideals surrounding the term “group economics”. Participation in this cooperative ecosystem maximized contributions from all members of the collective. Starting small businesses that practiced group economics ensured skills were utilized, money stayed within the community, and the opportunity to build and sustain an abundant lifestyle was possible.

Similar to The Golden Age, business owners of today are finding value in participating in the pooling of resources. A newer trend involves starting collectives or co-ops that utilize the different skills of its members. Co-ops share office space, resources, and at times, offer different levels of service to the same set of clients.

Mentorship

The importance of pouring into like-minded professionals and building the next generation is the core of any successful economy. During the Golden Age, blacksmithing, woodworking, weaving, and pottery were skills and crafts that were taught and passed down by leaders in the communities from town to town.

Thanks to technology, the internet, and social media, mentorship is more accessible, but just as important. Individuals looking to learn a skill, master a trade, or simply look for guidance can hop on a Zoom, take an online course, or watch a YouTube video. Regardless of the medium, mentorship has and always will be needed.

A Mirror Of Success

The Golden Age is arguably the most successful era for Black businesses. During the Golden Age, individuals came together to form a secondary economy. This economy boomed, flourished, and prospered at a swift rate. To this day, many are still learning from this time period. Mirroring the business practices of that time would be wise, as there is much to learn, even today.

This article 4 Lessons From The Golden Age Of Black-Owned Businesses was originally published on HerAgenda.com

In a vision of financial freedom, imagine waking up with no fear about how you’ll pay your bills or no anxiety about returning to a job you hate because you can actually afford to quit. In this version of your life, instead of wondering how to stretch paychecks, there’s confidence in every financial decision. Financial freedom, the kind that allows for choice rather than stress, doesn’t come overnight, and while women face many challenges related to equal pay and unemployment, there are real, practical actions that can be taken to build the life you want.

“I really enjoy the freedom of being able to build my own lifestyle, my own schedule, and being able to be creative in my workplace,” private chef Cintia Diaz told CNBC about the financial freedom aspect of her pivot into the profession. “There are weeks or months when I decide to have an easier schedule. There are other times that I decided to work a little bit more.”

“Ultimately, while more money is helpful and it certainly can bring security, it’s these small habits that truly gave me confidence, then and now. My financial anxiety is a thing of the past, and that, to me, is true financial freedom,” entrepreneur Kimberly Hamilton told the publication.

Financial freedom isn’t a destination that only retirees reach. It’s about gaining control over money so it supports life goals rather than dictating them. Here are 5 actionable steps that you can implement today to move toward financial independence:

1. Map Out What Financial Freedom Actually Looks Like For You.

The first step in any effective money strategy is knowing exactly where things stand and determining what financial freedom means uniquely to you. For one woman, it could look like going out to eat twice a week without living check to check. An entrepreneur might envision being able to turn down projects or clients without worrying about making payroll or going bankrupt. A working mom might want to take a sabbatical and transition into a stay-at-home parent.

Today’s Action: Calculate your net worth, which requires knowledge of all assets (savings, investment accounts, property) and liabilities (credit card debt, student loans, car loans). Pinpoint a number and work toward the goal of reaching that number (whether it’s a yearly salary, profits, or savings) that will cover the lifestyle you want as your future financially free self. Get assistance via a bank manager, credit counselor, financial planner, or money coach with the proper credentials and experience relative to your current lifestyle and future goals (i.e., debt reduction, family planning, investing, or wealth building). 

Research at least three and get in contact to set up appointments or sessions to talk about your options and plan accordingly.

Real-Life Impact: Knowing your net worth turns guesswork into data. You can discover hidden spending patterns and debt burdens they hadn’t realized, allowing them to set precise goals. Working with a professional helps to take the guesswork out and fills knowledge gaps.

2. Unapologetically Use Technology To Make The Process Easier For You

Use those money and budgeting apps, ChatGPT, or programs that you’ve either been neglecting or not updating. Connect those accounts to reputable budgeting and banking apps, and allow a good old spreadsheet to keep you honest. Simply your life by using tech to your advantage to calculate, track, and run scenarios that could put you that much closer to financial fitness. 

Today’s Action: Use free tools like Mint, Empower, or Excel to draft a budget based on your monthly income and expenses. Assign each dollar a purpose, from rent and utilities to self-care and savings goals. Short on time and patience, or you’re just not tech savvy? Hire someone from TaskRabbit or Fiverr to set things up for you via templates or extensions.

Real-Life Impact: Budgeting highlights where money flows each month and helps establish guardrails against overspending. It also makes it easier to automate savings and bill payments. 

3. Attack That High-Interest Debt Like Your Life Depends On It.

High-interest debts, especially credit card balances, are among the biggest barriers to financial freedom. Paying them down quickly reduces the amount lost to interest over time.

Today’s Action: List all debts with their interest rates and choose a payoff strategy like avalanche (highest rate first) or snowball (smallest balance first for psychological wins). Then schedule an extra payment toward your top target this month. Automate this for 30 days and keep track of the progress, how this impacts your quality of life, and whether adjustments need to be made.

Real-Life Impact: Reducing high-interest debt frees up cash flow and speeds up progress toward savings and investments. Experts say that eliminating credit card interest early can greatly accelerate wealth building. 

4. Start Saying No, And Set Boundaries (Or Eliminate) Money Leeches.

Saying no is a financial strategy. Money leeches include family and friends, habits, subscriptions, obligations, and social expectations that quietly drain cash. Declining plans that don’t align with priorities, setting boundaries around lending money, and canceling unused expenses create immediate financial breathing room and redirect money toward goals that actually build freedom.

Today’s Action: People are often encouraged to pause or cancel a subscription, but let’s take things a bit further. Instead of trimming expenses one by one, start a spending permission reset. Freeze discretionary spending for 14 days. This means no shopping, no dining out, no impulse buys. Track every urge to spend in a notes app, journal, or with an accountability partner. At the end, re-enable only what clearly supports long-term goals. To challenge yourself further, keep it going and reroute that money to investments or savings.

Real-Life Impact: This approach rewires spending behavior, not just expenses. Many women cut discretionary expenses on a long-term basis because habits, not subscriptions, were the real money drain.

5. No Matter How Much You Earn, Automate And Grow Savings And Investments

Starting small is nothing to be ashamed of, and every penny can add up to a big impact down the line. You can literally start with as little as $10, and automation removes the emotional decision each month to ensure consistent progress. Whether it’s contributing to retirement accounts or investing small amounts regularly, automation builds wealth quietly in the background. 

Today’s Action: Set automatic transfers to a retirement account (IRA or 401(k) if available) via Fidelity, Vanguard, Charles Schwab, or other platforms, and consider round-up or micro-saving apps that invest spare change from everyday purchases. 

Write down five ways you could make more money to solely use for saving or investing (i.e., doable side hustles, salary negotiations, real estate, or a passive income-generating business investments, job hunting, or skills building)

Real-Life Impact: Automation helps money work for you, and finding additional ways to earn money for investing is a great way to increase your net worth while building empowerment. While there is risk and extra elbow grease involved, even modest monthly contributions to diversified investments can grow significantly over time due to compound returns. 

Bonus: Quit That Job Or Industry And Thrive Elsewhere

Sometimes it’s not really about earning more money. A career pivot or change might be the key to really pushing your financial freedom journey forward. Some roles or jobs are simply dead ends, or you’ve outgrown them both professionally and financially. Taking a strategic leap, like nurse turned laundromat entrepreneur Cami, can make the difference.

Financial freedom isn’t about radical overnight changes. It’s about consistent, daily actions that build habits aligned with long-term prosperity. By tracking finances, budgeting with intention, reducing costly debt, protecting against unexpected expenses, and automating progress, it becomes possible to shift from living with dread to a confident life flow.

This article 5 Radical Things You Can Do Today To Get Closer To Financial Freedom was originally published on HerAgenda.com

While we may not be able to ward off the impacts of inflation completely, we have more agency than we might think. We can set ourselves up for success to protect our assets against inflation in 2026.

According to the United States Congress Joint Economic Committee, the current Consumer Price Index Inflation rate is 2.68%. What does this mean for professional women who care about building and maintaining financial stability? Her Agenda spoke to several financial services experts to find out.

“While inflation is relatively low right now, this follows several years where inflation was high,” said Stacy Miller, CFP® and Founder and CEO of BayView Financial Planning. “So, regardless of current rates, everything feels so darn expensive.” According to Stacy, the number one thing women can do to protect themselves is understand compound interest.

“‘Compound interest is the 8th wonder of the world. [S]he who understands it, earns it. [S]he who doesn’t, pays it.’ This is a wonderful quote attributed to Albert Einstein,” said Stacy. “The summary is that understanding compound interest will have you looking for ways to earn it, like a High Yield Savings Account (HYSA), for example. If you don’t understand how it works, you could get caught up in the cycle of trying to pay off debt that continues to grow and grow.”

Opening a HYSA can be the first (and simplest) step women can take to protect against inflation and grow their assets, especially as they work towards shorter-term savings goals.

Here are four other tips recommended by our experts for the short and long-term alike.

1. Diversify Your Investment Portfolio

When we invest, we help protect against inflation. However, certain investment choices help further this goal better than others. Experts recommend having a diversified investment portfolio. According to Fidelity, these types of portfolios have historically tended to grow even when inflation has been high.

“A diversified investment strategy can often help you earn a return on investment that beats inflation,” said Stacy. “There are ways to design a portfolio that hedge, or specifically address inflation using investment assets that move differently than the things in our economy that have the most inflation.”

Adrianna Adams, CFP® and Head of Financial Planning at Domain Money, also recommends the diversified approach.

“For long-term assets, investing in a diversified portfolio can not only help you keep up with inflation, but it could help your assets outpace inflation, actually,” Adriana said. “However, it is worth noting that investing is risky, and this isn’t guaranteed protection or insurance against inflation. The key is having a well-diversified portfolio that aligns with your risk tolerance and time horizon.”

2. Negotiate Your Salary

At the most basic level, inflation is what makes it so that, over time, a dollar will not go as far as it does today. Adrianna reminds us that one of the most important things we can do to protect ourselves from inflation is to ensure that our compensation keeps up with it.

“If your salary and income don’t increase each year, you’re most likely losing purchasing power,” she said. “Prices will rise over time, and you need to plan accordingly.”

While it might feel like this is out of our control, she reminds us that we can be our own best advocate when it comes to getting the compensation we want.

“You need to recognize that your work and the value you provide should become more expensive over time. If you’re not negotiating raises or adjusting your rates, you’re effectively taking a pay cut every year inflation ticks up,” said Adrianna. “Negotiating your salary and compensation is critical if you’re working. If you don’t get a raise each year, you’re essentially taking a pay cut.”

Of course, negotiations don’t always go in our favor. If that’s the case, Stacy recommends adding an extra stream of income where we can.

3. Prep To Get The Most Value From Your Money

When we think about getting the most from the money that we do have, our minds typically go to budgeting. While budgeting is always a good idea, it’s just the tip of the iceberg.

“Keep an eye on where your money is going,” said Adrianna. “Everyone needs to know where their money is going so you can get the most value out of every dollar you spend.” For Adrianna, this isn’t about cutting spending. Instead, “It’s about aligning it with your goals and values so inflation doesn’t quietly erode what matters most to you.”

Part of this thinking extends to our approach to taxes. Adrianna emphasizes how important it is to have a strategic tax plan if you want to keep protecting your assets.

“An effective strategy for minimizing your lifetime taxes can help each dollar go further,” she said. In practice, she says this can look like maximizing contributions to tax-advantaged accounts, strategically timing income and deductions, and planning for future tax law changes.

4. Stay In The Know

Lastly, staying informed and increasing our financial education is something we can practice every day, so we can keep positioning ourselves to protect our assets against inflation to the best of our ability.

This could be as simple as tuning into a podcast (Adrianna recommends The Morning Brew Daily) and reading a book, or it could mean reaching out to a professional who can work with you one-on-one to address your needs and goals.

“Focus on finding a fiduciary, fee-only Certified Financial Planner Professional (CFP Professional),” said Adrianna. “A fiduciary is legally required to act in your best interest, and fee-only means they’re not earning commissions on products they recommend, so you know the advice is conflict-free.”

This article How To Protect Your Assets Against 2026 Inflation Shifts was originally published on HerAgenda.com

It is no secret that the job market is experiencing strain. Challenger, Gray, and Christmas reported that nearly 260,000 job cuts occurred in Q4 of 2025. To combat the slow-moving job market, some might consider earning extra income by turning hobbies and skills into cash. Finding an app that matches a specific skill set might not be as hard as you may think. The internet is full of opportunities, such as doing simple chores, creating content, and providing freelance services. If you look hard enough, you might even stumble upon a few out-of-the-box opportunities. Turning hobbies into supplemental income can be quick and easy. 

Complete Everyday Chores

If you are one of the talented few that finds pleasure in a service that is needed by all but enjoyed by few, Poplin might be the app for you. Poplin’s website states, “We leveraged technology to defeat the world’s most dreaded chore and create thousands of work-from-home jobs.” According to Poplin;s website, over 10 million dollars of venture capital has been raised. Poplin is changing the gig economy and the lives of independent workers.

Of course, if manual labor is not your forte, babysitting might be up your alley. UrbanSitter is a woman-founded platform that offers a diverse community of caregivers. This app will connect you with people who are looking for caregivers and, most importantly, paying for services from child care to pet sitting. This app will allow you to choose who you work for and when with flexibility and transparency.

Don’t worry, if people just are not your cup of tea, there is Rover. Offering the flexibility to set your fee and your schedule, Rover is an app great for an animal lover who wants to spend time with furry friends and earn a little extra money on the side. 

Content Creation For Your Favorite Brands

If using creativity sparks excitement and brings you pleasure, content creation could be a fun and profitable way to earn extra income. There is an increasing number of brands that are looking for user-generated content (UGC), and the number of apps popping up to support the demand is growing. For a quick and easy setup, one might consider Kale. A personal favorite of mine due to the flexibility and payout frequency. Apps like Kale make it possible to create content on your terms, for the brands that you love, and get paid.

Freelance And Serviced Based Gigs

Freelance work is a more traditional method of earning extra money. Working freelance allows you to leverage a wide variety of talents and skills. Websites like Fiverr and Freelancer allow you to browse available opportunities and place a bid for the work you find attractive. The flexibility of setting your price and vetting clients makes service-based income a no-brainer.  

Not Your Everyday Gig

Some people might find the thought of living in a stranger’s house odd and invasive. Those same people would be surprised to learn that house sitting is fun, exciting, and rewarding. Although most house sitting platforms exchange accommodations for the service of watching both the house and or caring for a pet. Many find providing this service is an opportunity to travel and to go to costly hotels. Websites such as House Sitters America make it easy for house sitters to secure assignments in the United States and abroad. House sitting allows a person to save money while traveling, and even saves money by not paying rent due to house sitting on a full-time basis. 

Have you heard the saying, “one man’s trash is another man’s treasure?” The furniture resale market uses this saying to earn money using skill, creativity, and a lot of elbow grease. Furniture flipping has an entire community of people who buy used and discarded furniture with the intent to polish it up and resell it for high profit margins. Kenna, owner of a furniture flipping business, discusses how she graduated from flipping furniture part-time to replacing her income with flipping furniture full-time. 

Leveraging skills and talent can be a solution for supplementing income. Finding hobbies and gigs using apps and online platforms can offer immediate income that is flexible and on your terms.

This article Four Ways To Turn Your Hobby Into Extra Income was originally published on HerAgenda.com

Solo travel has become a prominent experience over the years. The convenience of deciding where you want to go, what you want to do, without having to consider someone else’s opinion and desires makes for a peaceful and fulfilling trip. 

In fact, according to The American Express 2024 Global Travel Trends Report, solo travel is shown to be a major trend among young travelers, with 76% of Millennials and Gen-Z planning solo trips.

If you’re looking for some destinations that are suitable for solo travel and accommodate digital nomads, Her Agenda has gathered a few below.

1. Bali, Indonesia

Over the past three years, Bali has increasingly become a popular hub for digital nomads. The affordability of living, the beautiful scenery, and overall essence have enticed many to move. There is also a strong coworking presence that invites people looking for a fresh start, a different atmosphere, or a change altogether. Bali also offers a variety of beaches, Hindu culture, and temples.

2. Mexico City, Mexico

Mexico City is said to offer a cultural hub with diverse neighborhoods and fantastic food. Here you can find affordable living, and what Firsty describes as a strong community of remote workers and plenty of coworking spaces. Its vibrant city life suits those looking for an urban experience. Mexico City also has astonishing art, historical sites, and ancient pyramids. 

3. Chiang Mai, Thailand

As the most popular nomad territory, Chiang Mai has become a hub for many nationalities. There is a deep history of Buddhist tradition, relaxation, and a host of dining, shopping, and spiritual opportunities. Chiang is also affordable to live in, as a one-bedroom modern apartment ranges from $300-$400 in translation; local transport such as taxis and tuk-tuks are available, but the most popular and more affordable form of transportation is rented scooters.

Valencia, Spain

According to Firsty, Valencia is known for its sunny weather, beaches, and relaxed atmosphere. It offers a lower cost of living compared to other Spanish cities and has a growing community of digital nomads. Valencia is a top European hub offering a great work-life balance. The culture is said to be a mix of Spanish and Moorish influence. And if you’re a lover of festivals, the Las Fallas Festival is very popular. They also have the City of Arts and Sciences, whose buildings are said to be iconic and breathtaking.

Key Statistics About Digital Nomads

According to Skyscanner, here are some key statistics about digital nomads:

• 77% of Americans have thought about becoming a digital nomad at some point in their lives. (Skyscanner)
• Most aspiring digital nomads (51%) would prefer to work a full-time remote job compared to just 19% who would prefer freelance or contract work. (Skyscanner)
• There are 134.4 million full-time employees in the United States, of which 17.3 million are digital nomads. This means digital nomads represent nearly 13% of the U.S. workforce. (Statista, Statista)
• Roughly 2 in 5 digital nomads worldwide are either freelancers or self-employed. (Statista)
• 14% of global trips taken by digital nomads were to the United States. (Statista)
• The United States is the most visited country by the digital nomad population, with Thailand and Spain close behind. (Statista)

This article 4 Best Solo Travel Destinations For Digital Nomads In 2026 was originally published on HerAgenda.com

When it comes to nutrition and health, there are many myths involved that could potentially be harmful. A lot of people are looking for shortcuts to lose weight fast, whether it’s from weight loss pills, weight loss shots, taking B12, eating less, or starving. 

These myths primarily are centered around women, because that is where the pressure to present ourselves in such a way is mostly directed. Her Agenda has gathered the top three nutrition myths every woman should know. We want you to prevail and reach your goals in the safest and healthiest way possible.

1. Eat Less, Exercise More To Lose Weight

As stated by Cynthia Thurlow, Nurse Practitioner & Women’s Wellness Expert at Host Everyday Wellness Podcast, eating less and exercising more to lose weight oversimplifies metabolism and ignores hormones, stress, sleep, and gut health. Chronic calorie restriction can slow metabolism, increase cortisol, and worsen insulin resistance—especially in midlife women.

According to the CDC:

• Poor nutrition and physical inactivity increase the risk of chronic conditions like obesity, depression, type 2 diabetes, heart disease, and some cancers—which can lead to disability and premature death. 
• Fewer than 1 in 10 children and adults eat their recommended vegetables. 
• A quarter of adults (25%) and even fewer adolescents (16%) meet U.S. physical activity guidelines.
• As many as 40% of adults and 20% of adolescents have obesity. 
• Public health approaches, including surveillance, education, policy, and environmental strategies, and resources are needed to make healthy eating and active living accessible for everyone.

2. Carbohydrates Are Bad (Especially As You Get Older)

“Carbs are often blamed for weight gain, blood sugar issues, or inflammation,” said Jennifer Scherer, a registered dietitian nutritionist, medical exercise specialist, certified personal trainer, and owner of Fredericksburg Fitness Studio. “The truth is that carbohydrates are a primary fuel source, especially for the brain, muscles, and thyroid. The issue is quality, timing, and pairing, not carbohydrates themselves.”

According to the Mayo Clinic, the amount of carbs you eat depends on a few factors. Examples are how active you are, your age, and any health conditions you’re managing. Health research suggests that people need at least 130 grams of carbohydrates every day to meet the body’s energy needs. That amount represents about 25% of calories in a 2,000-calorie diet. But the Dietary Guidelines for Americans recommend that carbohydrates make up 45% to 65% of total daily calories.

3. Healthy Eating Means Giving Up Flavor

“Healthy doesn’t mean bland!” said Bridget Cassady, PhD, RDN, LD, a doctorate-level Senior Research Scientist at Abbott. “Herbs, spices, and smart swaps can make nutritious meals crave-worthy. Think vibrant salads, colorful bowls, and yes, even chocolate can fit in.”

Although eating healthy does rely heavily on fresh fruits, lean meats, and fresh vegetables, moderation will be your ticket to happiness. Understanding that you can have cheat days and incorporate some of your favorite foods into your healthy meals will make the transition smoother. You can also try salt-free seasoning blends, use fresh garlic and herbs as seasoning, and create your own blends. If you’re up for it, you can have fun by getting creative in the kitchen and making each healthy meal tailored to your taste buds.

Nutrition Facts

As stated by Cynthia, blood sugar regulation matters more than calorie counting. Stable blood sugar improves energy, mood, weight management, and hormone balance. Prioritizing protein, fiber, and healthy fats helps prevent insulin spikes.

Jennifer says, your metabolism adapts to how you eat. Under-fueling teaches your body to conserve energy. Eating consistently and adequately supports metabolic health, hormones, and energy.

According to Bridget, protein matters at every age. It’s not just about building muscle, it’s about maintaining it, especially as we get older. Most people don’t realize this, but after 40, you can lose up to 8% of your muscle per decade. That impacts how you move, feel, and live. Grab-and-go protein shakes like Ensure Max Protein can help you meet your nutrition goals when life gets busy.

Lastly, hydration is part of nutrition. Water supports digestion, energy, and even skin health – don’t overlook it!

This article The Top 3 Nutrition Myths Every Woman Should Know was originally published on HerAgenda.com

For many women, the chain reaction of mass layoffs, high healthcare costs, and political conflict has become an all-too-common experience rather than a rare crisis. If you’ve found yourself in a situation where you’ve literally lost it all, you’re not alone. 

Recent research shows that job loss among women has accelerated in ways that directly affect quality of life. Within the past year, layoffs across media, tech, retail, and healthcare, to name a few, eliminated many roles dominated by women. According to CBS News, more than 400,000 women left the U.S. workforce in the first half of 2025 alone, citing layoffs, caregiving burdens, and lack of flexible work as major reasons.

“We don’t have enough support and structure around policies that actually help caregivers,” economist Misty Heggeness told the outlet. “When they’re faced with this choice, they’re not gonna leave their children, so they’re left with leaving their jobs.”

Black women have faced particularly severe impacts. Forbes reports that Black women experienced some of the steepest employment losses in 2025, with hundreds of thousands fewer employed compared with previous periods. This is especially destabilizing because Black women are more likely than any other demographic group to be primary breadwinners or heads of household. When income disappears, entire families can be affected, amplifying the consequences of layoffs far beyond the individual worker.

“My recent layoff has affected every facet of my life,” Danah Montgomery, a nonprofit leader, shared with Essence last year. “My health concerns have worsened, likely due to stress, but I am unable to address them without health insurance.”

Housing loss has also become more common among millennials and Gen Zers facing unemployment. A recent Bank of America survey found that nearly half of Gen Z adults receive financial help from parents, often for necessities like housing or food. Also, many millennials and Gen Zers have moved back in with parents or grandparents after job loss, citing high rent, stagnant wages, and limited savings. Multigenerational living, once viewed as a setback, has increasingly become a survival strategy during economic disruption.

Deloitte’s 2025 Gen Z and Millennial Survey reinforces this vulnerability, showing that nearly half of millennials feel financially insecure and that many live paycheck to paycheck. When employment ends, there is often little cushion to absorb the shock.

Bouncing back after losing a job, income, and a stable home requires both emotional resilience and practical rebuilding, especially in an economic climate that has hit women and younger generations unevenly. As someone who has had to financially rebuild several times in my life, here are a few tips that helped me manage and overcome:

1. Take Some Time To Get Past The Shame And Evaluate Your Finances Honestly.

This means listing every source of available cash, including unemployment benefits, severance, tax refunds, or temporary gig income, alongside all required expenses. Knowing exact numbers creates clarity and allows for informed decisions about housing, debt, and assistance programs. If you feel too overwhelmed, watch YouTube videos on budgeting and getting out of debt, and seek the help of a savvy family member, a professional at your bank, or a nonprofit organization.

2. Build A Survival-Level Budget Focused Only On Essentials.

Housing, food, transportation, healthcare, and minimum debt payments should come first. Discretionary spending should be paused until income stabilizes. This type of budget is not a reflection of long-term lifestyle, but a short-term tool to stop further financial damage. Figure out ways to stretch your savings by couponing, only shopping for in-season groceries, cutting back on use, or even blocking shopping websites and locking credit cards.

3. Research Financial Support Resources Aggressively And Early.

Don’t give in to those hopeless doom-based feelings, and think outside the box. While there have been reports of challenges and cuts related to government assistance, find out what’s available and apply anyway, whether it’s unemployment insurance, rental assistance, utility relief, or food support (such as local pantries or food banks). 

Have open conversations with your creditors, bill collectors, and your landlord to see what your options are, and don’t be afraid or ashamed to advocate for yourself. Some processes might take some digging, several visits or phone calls, and a bit of paperwork, but don’t let that deter you from getting access to life-saving resources that can take a bit of the pressure off.

4. Reclaim Small, Low-Cost Sources of Joy.

Romanticize those pantry meals and find inexpensive or free ways to have fun via community events, museum visits, or volunteering. You can still treat yourself within reason during a time of hardship. I actually asked ChatGPT for ideas on $15 spa shopping lists for at-home self-care and ways to save on once-a-month restaurant visits. I’d also take advantage of promotional weeks or months to try out new fitness classes and gyms for free. Whatever your thing is, tap into ways you can still enjoy on a tight budget.

5. Create Space For Reflection And Identity Rebuilding.

Layoffs frequently trigger identity loss and mental health challenges, especially for millennial women who link stability with career progression. Reflection practices such as low-cost or free therapy, support or Meet-up groups, or guided self-assessments can help separate self-worth from employment or financial status. This period can become a reset point to reassess values, boundaries, and long-term goals, rather than a pause defined only by loss.

Bonus: Lean Into Asking For Help From Family, Friends Or Other Networks.

I’d been pretty much independent since the age of 17, so losing a source of income for a period of time and having to cut expenses by moving in with family was something I’d always dreaded and avoided. During one period of loss, I found major relief by finally surrendering and embracing the help of family and friends to get through tough times. Check in with sorority sisters, former colleagues, or fellow church members.

While this can be super-humbling and challenging, it’s a stepping stone that you shouldn’t be ashamed of. That release can be a life-saver in the long run as long as you set healthy boundaries and a timeline for independence.

Rebuilding financially after losing it all takes time, but with deliberate money management, intentional emotional care, and patience, stability and confidence can return. A setback marks a chapter, not a conclusion, and recovery is as much about restoring dignity and hope as it is about restoring income.

This article How To Rebound Financially When You’ve Literally Lost Everything was originally published on HerAgenda.com

The saying “applying for a full-time job is a full-time job” rang true for many last year. In this economy, finding a job almost felt like volunteering countless hours and energy. The 2025 job market was essentially demoralizing for workers—particularly women.

There are several factors identified that result in the lack of jobs, the intense job market, the long, excruciating job applications, prolonged waiting to hear back from a company, and the scheduling of interviews. This makes it hard to stay hopeful of landing a job, which is why candidate ghosting exists.

Her Agenda has pinpointed the major reasons job hunting in 2025 felt like more of a chore than an opportunity to excel. For millennial women, these challenges come as another burden to the obstacles that are already present at birth in the job market for solely being a female.

AI-Driven Hiring Systems

According to HR Dive, nearly three-quarters of workers say being interviewed by an AI agent would change their perception of the company, according to a report from SHL. Although most workers said they’re open to interacting with an AI interviewer, they still want human involvement and accountability in the process, the firm found.

AI takes away the personal interaction of interviewing a potential employee, and in return, the employee isn’t able to get a feel for the job to adequately understand and form a clear judgment of whether the job is capable for them. Although AI is designed to make things go smoother and quicker, ultimately, human interaction, especially when hiring someone, is still needed.

Candidate Ghosting

In reference to LiveCareer’s Candidate Ghosting & AI Report, which surveyed more than 900 human resources professionals in the U.S., HR professionals indicated that AI-driven interactions may unintentionally prompt job seekers to disengage and drop out of the hiring process.

• 88% of HR professionals reported being ghosted by candidates midway through the hiring process.
• 71% said it’s happening more often compared to last year.
• 65% of respondents said AI has definitely contributed to the rise in candidate ghosting.

Long interviews, prompts, and videos often deter potential employees due to the lack of opportunity to ask questions. There is only so much AI can do. Candidates want to get to know who they’ll be working with and for, not volunteer for surveys after having taken an aptitude and personality test.

Prolonged Career Gaps

The data collected by Live Career indicates that the labor market has not stabilized since the start of the pandemic and has become an increasingly tough landscape for the workforce. 

Even when factoring in periods of labor shortages experienced in recent years, a significant portion of workers have battled with employment gaps in a resume. The steady increase in layoffs and what many are calling a white-collar recession has left professionals struggling with how to address these gaps with prospective employers.

Since COVID-19, many people have experienced gaps in their employment, as companies are keen to hire freelancers, temporary, seasonal, and contract workers. This makes for a choppy resume, yet the economy is unpredictable, which leaves this issue out of candidates hands.

Ways To Adapt Strategically

• Networking and having connections are the number one ways to land a job in the current job market. By doing so, this will allow your resume to be seen, rather than being an email amongst many. Another alternative is creating your own business.
• Entrepreneurship is all about believing in yourself, as no one else could. You can get a grant for your business from federal, state, local governments, foundations, and corporations, many of which are non-repayable.
• Upskilling is another option that allows you to take courses and gain certifications. Most libraries offer free online courses as well as Coursera.

This article Why Job Hunting In 2025 Felt Like Applying To Volunteer was originally published on HerAgenda.com

Planning and preparation can eliminate a lot of the stress when April 15th rolls around. As a busy entrepreneur, the word “taxes” can feel like a scary five-letter word. Don’t put off thinking about taxes until it is too late. Let’s dive into three easy and manageable tasks that help me reduce stress during tax season.

1. Track Spending

I wear a lot of hats as a small business owner. The most neglected hat is often budget tracking. Keeping receipts, logging deductible activities, and tracking wages paid to outsourced labor, if done accurately and on a schedule, will save time and energy when it is time to file 2026 taxes. 

Receipts: Proof of all transactions, expenses, office supplies, or any purchases made to conduct business should be collected, sorted, and stored for easy retrieval. Doing so saves me time plus a headache. I don’t have to worry about where I placed the receipt or providing proof of the purchase in case of an audit or question from my tax preparer. 

Log of Activity: A simple notebook or Google Sheet helps me capture important business activity in one place for easy reference. I place the date, method of transportation, location, and reason for the activity in a notebook on my desk. This helps me quickly calculate any deductible expenses, such as mileage. I don’t have to stress about remembering activities from twelve months in the past. Everything is at my fingertips.  

Track Payments For Labor: Payment portals and applications such as Zelle, ACH, PayPal, and even Cash App help track outgoing payments within the respective dashboards. Keeping a Google sheet with the name, date of payment, and reason for payment helps me track expenses. This is very valuable information that I needed to complete my taxes, and this information is often requested by my tax preparer.

Overall, bookkeeping is a large part of being prepared, and it must be done weekly, monthly, or quarterly, depending on the volume of your business. 

2. Get Organized

There are certainly levels to being organized. Finding my level of organization took some time. I developed a filing system for digital receipts, I utilized cloud storage, and created a method of managing paper receipts. Doing so helps me sleep at night.

Digital Receipts: Due to the fact that a lot of payments are made online, I get digital receipts, invoices, and email confirmations of payment. I easily manage the incoming emails by tossing them into a folder marked “2026 Taxes. It is low effort but brings a huge reward come tax season. 

Cloud Storage: Utilizing cloud storage such as Google Drive helps me organize digital files, copies of invoices, and so much more. The best part about cloud storage is that I can easily access documents from anywhere, making doing business outside of the office a breeze. 

Paper Receipts: To balance the overwhelming amount of paper receipts and my spirit of procrastination, I use ziplock bags. For 2026, I will take out a gallon-sized zip-lock bag. On the bag, I will write the business name and 2026 in permanent marker. Each time I sit at my desk, I will stuff the paper receipt in the ziplock bag for safe and waterproof storage. This method is quick, easy, and does not require much effort, but it grants me peace of mind throughout the year. 

3. Store Documentation

Nothing throws a wrench into productivity more than hauling everything to search for an important document. Here is how I make sure my spirit stays high, and the work is uninterrupted.

Make Copies: I keep copies of important documents, such as state registration for the business, federal tax identification number, and other licenses, within arm’s reach by placing the documents in the cloud. I personally use Google Drive along with access to a hard copy in a locked file cabinet. The number of times this method has saved me is countless. When my tax preparer calls needing important information, I am confident of its location and can provide documentation without delaying the preparation of my taxes.

Utilize Correct Forms: 

Utilizing the proper form, such as 1099’s or W2s, appropriately helps me and my tax preparer tremendously. Completing the forms as I onboard new team members saves time and energy when trying to prepare taxes. I don’t have to track down contractors or outsourced labor providers because I collected the information ahead of time.

Maintain Historical Files: Record keeping and maintaining files doesn’t stop once the taxes are finally accepted by the IRS. Maintaining records of previous tax years safely and securely helps me stay ready for audits and helps my tax preparer view historical patterns within the business. Nothing is more frustrating than not being able to locate previous tax documents. It is best to store them consistently for easy retrieval.   

Over the years, I have grown to be less intimidated by taxes due to these three easy and manageable tasks. Tracking my spending, getting organized, and storing documentation has reduced my stress and anxiety, and I hope these tasks will do the same for you. 

This article is intended solely for informational purposes and does not constitute tax, legal, or financial advice. The content provided here is not a substitute for professional advice from a qualified tax advisor, attorney, or financial planner. Readers are encouraged to consult with a licensed tax professional or legal advisor to obtain advice tailored to their specific circumstances and ensure compliance with applicable laws and regulations.

This article 3 Easy And Manageable Tasks That Can Reduce Your Stress 2026 Tax Season was originally published on HerAgenda.com

OWN Network has a fun new series bound to keep you engaged while you learn something at the same time. MAXXED OUT is about your pockets. This show on OWN is all about elevating your finances with the help of host and financial coach/expert Leah Collins. With a background in accounting and auditing, Leah will be sure to not only pinpoint where people go wrong in their finances but also follow up with them to track if they take her advice, as she has over a decade of experience.

MAXXED OUT is described as “financial intervention” as Leah has a no-holds-barred attitude with a side of tough love. The eight-episode series reveals how mismanaging money can affect relationships and impact every aspect of your life. Don’t forget to tune into the OWN Network Saturday, January 10, 2026, at 9/8c to catch Leah Collins in action.

Her Agenda: What inspired you to become a financial expert?

Leah Collins: Well, my journey began in 2017 when I had a major wake-up call. I had earned more money that year than I had ever earned in my career. And when I sat down to do my taxes, I realized I had nothing to show for it. Ultimately, I was working hard, but my money wasn’t working for me. So I decided to take control. I took a course, and within 18 months, I had paid off $40,000 worth of debt. I’d purchased investment property in DC and increased my credit score to over 800.

Her Agenda: Do you think financial literacy should be taught in school?

Leah Collins: Yes, I absolutely think that financial literacy should be taught in school. It’s really necessary because we’re expected to master a system that we were never taught. We don’t learn about this in school, and we spend years learning geometry and history, but we graduate without knowing how to read a credit report, how to calculate a net worth, or how to protect our futures with estate planning. We’re basically sent into the world with credit card debt and zero instructions.

Her Agenda: What culture do you encounter the most with outstanding financial troubles? And why do you think it’s so prevalent?

Leah Collins: All of them, actually. Everyone is struggling. I think we’re just a nation that is really overleveraged and underconnected. This nation itself is in debt for trillions of dollars, so that’s one of the reasons that this show really matters because it proves that financial health is the foundation of mental and relational health.

Her Agenda: How did the concept of the show MAXXED OUT come about?

Leah Collins: My lightbulb moment came with calling off my own engagement. I realized that I was the financial expert, but there aren’t that many tools out there to tell us or show us how to communicate about money. So I looked at the television landscape and saw a void. They weren’t willing to get to the nitty-gritty of the numbers. So in this show, we’re talking about credit scores, we’re actually pulling up credit reports, looking at the credit scores, we’re talking about net worth, debt to income ratios, we’re really addressing the nominator, nominee dynamic to heal the relationships where money’s tearing those relationships apart. And something else I haven’t seen from other shows is that we’re really focusing on generational wealth through estate planning.

Her Agenda: Do you have three practical tips readers can use today to improve their finances?

Leah Collins: Absolutely, something everyone can do right now is check your credit report. You can check this for free at annualcreditreport.com. Also, I do a savings challenge with my followers and clients at the beginning of the year. I figure out what their saving goals are, and I break it down to how much they need to save per month per paycheck. Also, I encourage people at the beginning of a new year to create those money goals and create short-term and long-term goals.

Her Agenda: What’s one takeaway you would like viewers to get from the show?

Leah Collins: If there’s one thing that I want people to take away from the show is that your current bank statement is just a chapter, it’s not the whole book.

Her Agenda: Do you have a motto or quote that you live by?

Leah Collins: I’m very passionate about building generational wealth. It’s very important, and Black people especially cannot afford to keep starting over with every single generation. Keep in mind, not just build the wealth, but learn how to protect it as well.

Tune into MAXXED OUT starring host Leah Collins this Saturday on OWN Network at 9/8c.

This article Leah Collins Talks MAXXED OUT, Her New Show On OWN Network Airing Saturday, January 10th 9/8c was originally published on HerAgenda.com

Subscription services such as Spotify, Netflix, and Hulu are more common than ever. 45% of people canceled a streaming subscription within the past 12 months because costs were too high, according to the Forbes November 2025 survey. And as subscription prices get more expensive, users are being more selective with their spending. If you, like many other Americans, are looking forward to cutting down your subscription spending in the new year. Here’s your guide on how to start!

1. Set A budget

It’s good to decide on your subscription budget before you begin the process. This way, you will not adapt your spending or make your budget more flexible to accommodate any subscriptions that are not necessary for you. In most budgeting strategies, subscriptions would go in your “wants” category.

Do A Thorough Search For Your Subscriptions

The first step is finding the actual subscriptions. Check your bank statements, paying close attention to any repetitive transactions. A good place to look, in addition to bank statements, is your digital wallet statements as well. These include PayPal, Apple Pay, and even iTunes subscriptions. You can search through confirmation emails to find specific subscription purchases you may be curious about. Federal law requires receipts for all subscription charges.

There are several subscription tracking apps that have the ability to find companies you are subscribed to, such as RocketMoney and PocketGuard.

List Out Your Expenses

We suggest that before you assess the subscriptions you have, you make a list or spreadsheet of your subscriptions. Write down the day they renew, the price regardless of any discounts or free trials, and whether these charges occur monthly, bimonthly, quarterly, or annually. This gives you a clear picture of what you are spending your money on and how much of your budget subscriptions are currently taking up.

Evaluate Your Subscriptions

Many suggest getting rid of all subscriptions you have not used in the last 60 to 30 days, but this neglects large annual subscriptions. Be sure to get rid of any subscriptions you do not need —  making sure not to exceed the budget you’ve set for yourself. 

Ask yourself: 

• Does this subscription save me time or money?
• Does this subscription get used at least once a week?

If the answer to either of these questions is “no,” consider removing the subscription.

Continue Managing Your Subscriptions

In the future, keeping an ongoing list of the subscriptions you pay for and promotional discounts you sign up for can allow you to stay on top of things.

1. Limit The Number Of Cards: Going forward, it might be easier to limit your subscription purchases and renewals to one card. This way, when searching for subscriptions, you know where to look.
2. Prepare For Renewals: Prepare for subscription renewals by keeping a record of when they renew. Once you have your list of necessary subscriptions, it is important to remain aware of the renewal dates. Include renewal dates in a list, spreadsheet, planner, or even set reminders a week ahead in your phone.
3. Review Your Subscriptions Regularly: Review your subscriptions monthly to make sure everything is in order. Remaining aware of what you are subscribed to helps prevent your number of subscriptions from getting overwhelming. Additionally, doing a quarterly reset to decide whether these apps still add value may be beneficial.

You can use subscription tracking tools for this, too, but be wary. Signing up for one of these apps does not replace the need to review your subscriptions; it only makes them easier to access and only helps if you check them frequently.

Remember, you purchase subscriptions because they are supposed to make life more enjoyable. If they’re draining your wallet, they may be hurting more than helping. Reviewing your subscriptions isn’t about switching to an extremely frugal lifestyle; it’s a small step in reclaiming money you may be unintentionally spending. 

This article How To Conduct A Personal Audit Of Your Subscription Spending was originally published on HerAgenda.com

Adulting often comes with waves of money anxiety. Once you begin earning, especially at the start of your career, there is a sudden influx of new financial responsibilities.

From paying for accommodation to the standard living expenses, these expenses can induce an almost crippling amount of anxiety. The Financial Stress Survey by Market Watchfound that about 88% of their participants feel some level of financial stress, and about 65% say that their finances are their biggest source of stress. 

These statistics corroborate that finances are a source of immense anxiety. This can stem from a variety of reasons, such as a lack of control over one’s finances, unexpected expenses, and negative economic concerns. 

Although this can be overwhelming, there are proven strategies geared towards managing this anxiety, especially while climbing the career ladder. They include:

1. Build A Good Money Mindset

A good place to start when trying to overcome financial anxiety is building a strong mental foundation. Reflect on your relationship with money. What does it represent: safety, control, or success? Understanding the deeper associations you have with money can help you take the first step towards overcoming this anxiety. Building a healthy financial mindset is crucial for anyone looking to achieve long-term financial stability and success.  

2. Create A Budget and Automate It

A detailed budget is essential in managing your financial anxiety as well as forming good financial boundaries and, more importantly, habits. It’s important to divide your expenses into different sections and budget a feasible amount for each. Some of these sections include rent, living expenses, miscellaneous, an emergency fund, and more. This ownership can significantly help in managing your money anxiety. Additionally, it’s best to set up automatic debits for systems that reduce your financial anxiety, such as debt repayments and savings. It removes decision fatigue and reduces the risk of missed deadlines—both of which lessen anxiety.

3. Let Your Money Work For You

A good way to reduce financial anxiety is to ensure that your money grows while sitting in your bank account. Focus on stable, diversified investment options and contributing to retirement accounts such as a 401(k) or IRA to support long-term financial stability.

4. Track Everything 

If you know where every cent, or at least almost every cent of your money, goes, it’ll help you identify the areas you might need to modify. Record how much money comes in and where it goes each month, from the smallest purchases to the largest bills. Additionally, another way to track your money habits is to schedule check-ins to regularly review your financial situation. Have periodic times where you review your budget and spending towards assessing how your money is spent towards your financial goals to help you stay on track. 

5. Create A Self-Care Repository

A huge reason for financial anxiety is a lack of self-care and mindfulness geared towards our money mindset. I suggest creating a section in your budget that gives you a chance to enjoy your money. To reduce financial anxiety, you need to ensure the money you earn is used for curating experiences that help reduce this anxiety. 

6. Set Large and Small Financial Goals

Define your financial goals by large and small targets. Set long-term goals, such as saving for a vacation or buying a significant asset, and create a plan to achieve them. These goals require more time and planning but are important for financial stability and peace of mind.

Additionally, it’s beneficial to set short-term goals either from scratch or by breaking down long-term goals into short-term goals. Small wins like paying off a small debt can give you a sense of accomplishment and make financial goals feel less intimidating. The goal isn’t perfection; it’s to prove to yourself that you can win one step at a time. 

7. Seek Professional Help 

Either a financial advisor or a therapist can help you with money anxiety. A financial advisor can offer personalized advice on savings, investments, and retirement planning, helping you develop a strategy to achieve your financial goals, while a therapist can help you understand and work through the emotional aspects and provide you with coping mechanisms to manage stress.

This article 7 Ways To Manage Financial Anxiety While Scaling Your Career was originally published on HerAgenda.com

The arrival of a new year often brings a renewed sense of ambition. Whether you are aiming to buy your first home, launch a side hustle, or finally build a full emergency fund, your financial goals require more than just willpower. They require a strategic plan. For the professional woman, a budget isn’t a tool of restriction but a tool of empowerment. To transition from dreaming to doing, you must proactively adjust your monthly budget to reflect your new priorities.

Follow these steps, and you are sure to have a working monthly budget!

1. Conduct A Comprehensive Spending Audit

Before you can allocate funds toward new goals, you must understand where your money has been going. Review your bank statements from the last ninety days to identify patterns. Most financial experts recommend the 50/30/20 rule as a baseline: 50% of income for necessities, 30% for wants, and 20% for savings and debt repayment. If your New Year’s goals involve aggressive saving or investing, you may need to temporarily adjust these percentages.

Look specifically for subscriptions that are killing your wallet! This can include small, recurring monthly charges for apps and services you no longer use. Redirecting even $50 a month from unused services into a high-yield savings account can create a meaningful foundation for your new objectives.

2. Categorize And Prioritize Your New Objectives

Not all goals are created equal. Distinguish between short-term goals, such as a vacation fund or a holiday debt payoff, and long-term goals like retirement contributions or a down payment. Once categorized, assign a specific dollar amount and a deadline to each. If your goal is to save $6,000 for an emergency fund by the end of 2026, your monthly budget must reflect a 500-dollar “payment” to yourself. By treating your savings goal like a non-negotiable bill, you ensure that you are paying yourself first rather than simply saving whatever is left over at the end of the month.

3. Implement The “Sinking Funds” Strategy

One of the most effective ways to adjust a budget for new goals is the use of sinking funds. This involves setting aside small amounts of money each month for specific, anticipated expenses. If you know you want to attend a professional leadership conference in six months that costs $1,200, start a sinking fund now for $200 a month. This prevents “budget shock,” where a single large expense derails your entire financial plan. Many modern banking apps allow you to create “buckets” or separate sub-accounts to visualize this progress without confusing your main checking account.

4. Leverage Automation To Remove Friction

The greatest enemy of a new financial plan is decision fatigue. When you have to manually move money into a savings or investment account every month, you create an opportunity to talk yourself out of it. Automate your transfers to occur on the same day your paycheck hits your account. This ensures that your New Year goals are funded before you have a chance to spend that money on discretionary items. As your income grows through raises or side income, use “lifestyle creep” to your advantage by automatically directing a percentage of every increase toward your highest-priority goal.

Review And Refine Quarterly

A budget is a living document, not a static set of rules. Economic conditions change, and your personal priorities might shift by June. Schedule a quarterly “money date” with yourself to review your progress. If you find that you are consistently overspending in one category, adjust the numbers to be more realistic. The goal is not perfection; it is intentionality. By aligning your monthly spending with your yearly vision, you ensure that your financial habits are a true reflection of your values and ambitions.

This article How To Adjust Your Monthly Budget To Account For New Year Financial Goals was originally published on HerAgenda.com

Saving money can be a hard task when money makes it easier to get things done. According to Empower, travel ($155/mo) and fine dining ($138/mo) are the most expensive non-essentials respondents spend each month. This isn’t a monthly grocery bill, but fine dining. If you find that you are spending too much money on food or other things that don’t serve you, then this article may be worth reading.

Below you’ll find suggestions to help save money, create a budget, and cut back on spending on things that are convenient but aren’t necessarily conducive to your health and well-being.

1. Create A Weekly Meal Budget (Shop Generic Brands)

If you really want to feel like an adult, create a budget, and even better, stick to it. Saving money is all about being fiscally responsible. By creating a budget, you’ll know your target range and how to stay within your limits when you go grocery shopping. Another way to make sure you stay under your budget is by getting generic brands. It’s the same ingredients, without the fancy wrappings.

2. Make Meals At Home (Meal Prep/Meal Plans)

Making food at home doesn’t have to be a daunting task, especially if you plan ahead. You could make Sunday’s the day that you plan out the meals for the week. You could even meal prep. And meal prep doesn’t have to be the same meal every day; you could make each meal different.

3. Open A Separate Savings Account (Automate Savings)

A sure-fire way to ensure that you don’t touch your savings is by opening a separate savings account (preferably at another bank). This has proven to work for me, as the other bank is further away, which means it’s not as accessible. I also do automotive savings, which is another recommendation if you want to create a system and stick to it. The money is automatically transferred, and you don’t have to lift a finger.

Cut Back On Dining Out And Delivery Food Services

The convenience of fast food, dining out at restaurants, and delivery food services is hindering us in many aspects. Mostly in the pockets, but health-wise, we are becoming addicted to letting someone else cook for us, with no real awareness of what’s going into our bodies. Cutting back on all of these conveniences, making healthy meals at home, and eating fresher produce will prove to save money and health bills in the near future.

This article 4 Ways To Save Money In The New Year was originally published on HerAgenda.com

With holiday cash gifts, year-end work bonuses, and extra income from side hustles, there’s a powerful opportunity at the end of the year that many women professionals overlook: using these financial windfalls to build real long-term security. Instead of disappearing into discretionary spending, small strategic moves now can create a foundational emergency fund that pays dividends well into 2026 and beyond.

Why Emergency Funds Matter, Especially for Women

An emergency fund is simply a pool of cash set aside to cover life’s unexpected moments, from job loss to sudden medical bills. It’s not “rainy day money” for everyday expenses, but a true financial buffer.

Financial research underscores how critical that cushion can be. For example, nearly a quarter of U.S. women report less than $1,000 in emergency savings, and one-in-five have no emergency fund at all, compared with only one-in-ten men, a gap driven by persistent wage inequality and financial stresses unique to women. 

More broadly, 36% of Americans would struggle to cover an unexpected $400 expense, a stark reminder that even modest reserves translate to real peace of mind and financial well-being.

For women navigating career changes, layoffs, or entrepreneurship, those stakes are high. A reliable financial cushion helps avoid debt or dipping into retirement accounts when life takes an unexpected turn.

Emergency Fund Basics: Start Small, Think Smart

The traditional rule of thumb recommends saving three to six months’ worth of essential expenses. For the average U.S. household, that amount can total around $35,000, a daunting figure for many.

But it’s important to demystify this standard: beginning is more important than perfection. Financial planners emphasize that even modest savings, like $500 or $1,000, provide meaningful protection and momentum toward bigger goals.

Here’s how women professionals can use year-end windfalls to make a strategic start:

Assess Your Income Sources And Set Intentions

First, take stock of any holiday cash gifts, year-end bonuses, or side hustle earnings you’ve received or expect to receive.

Rather than viewing these as funds to spend freely, decide in advance how much will go toward savings. Common rules of thumb, like saving at least 30–50 percent of extra income for your emergency fund, help strike a balance between financial security and enjoyment. 

For example:

• Holiday cash gifts: consider saving 50 percent or more.
• Work bonuses: earmark a set portion (e.g., 30–70 percent) based on your current emergency savings needs.
• Side hustle revenue: allocate a fixed percentage to savings every time you’re paid.

Normalize Starting Small And Automating The Habit

You don’t need thousands to begin. Even small, regular contributions create momentum and build financial confidence. Regular automated transfers, even $25 to $50 a week, can slowly build your cushion without stress.

Automation is particularly effective because it removes the temptation to spend the money impulsively. Set up recurring transfers to a dedicated high-yield savings account separate from your everyday spending accounts. Keeping your emergency fund distinct also increases the psychological sense that this money is for real emergencies.

Use Windfalls Wisely Without Guilt

There’s no “right” number to hit overnight. The goal is progress. Treat each holiday gift, bonus check, or side hustle payment as a chance to strengthen your footing.

Whether you freelance, coach, consult, or sell goods, treating a consistent percentage as “savings first” accelerates your progress.

Think of these windfalls not as a one-time treat, but as financial fuel. Contributions today can prevent stress and hardship tomorrow.

Reassess Regularly And Adjust

Financial life evolves. Once you begin saving, revisit your goals each quarter or when circumstances shift, such as a career transition, a new role, or an entrepreneurial launch.

Rebalancing helps ensure that your emergency fund remains aligned with your current cost of living and goals.

Empowered Financial Resilience Starts Now

Using year-end windfalls to build an emergency fund isn’t just smart; it’s empowering. For women navigating job transitions, side hustles, entrepreneurship, or evolving roles, establishing even a modest reserve can mean the difference between financial stress and true choice.

By treating holiday gifts, bonuses, and extra income as intentional tools for resilience, you’ll step into 2026 with confidence, agency, and a financial foundation designed to support your goals.

This article How To Use Holiday Gifts, Bonuses, Or Side Hustle Revenue To Jump-Start A 2026 Emergency Fund was originally published on HerAgenda.com

The holidays are full of excitement, but also a great chance to teach kids money skills. Incorporating financial lessons into holiday traditions allows children to learn about budgeting, saving, and smart spending in a fun and interactive way. These hands-on experiences help form lasting money habits for the future.

1. Practice The Art Of Comparison Shopping

Taking children on shopping trips is a simple, effective way to teach financial lessons. They learn transactions, compare prices, make choices, and see bargaining in action. You can have kids help make a shopping list to learn purchasing priorities while modeling budgeting and spending choices. 

Early talks about money, allowances, and saving build strong financial habits. This Christmas, take your child shopping to give them a hands-on opportunity to practice these skills in real life.

2. Make Saving Fun And Purposeful

The feeling of saving enough money for a large, planned purchase is extremely rewarding. If there is a new toy that your child wants, explain that saving is just a planned countdown to getting something they really want. You can use simple math to make it feel real by helping them calculate how many weeks of saving it will take to finally bring that specific toy home. Saving is a valuable habit, and a brand new piggy bank could be a fun holiday gift to get your child started. 

3. Teach Kids The Value Of Money 

Parents are essential in helping children understand money. One way to teach this concept is by explaining where money comes from: through work, ideas, existing money, people, or luck. This helps kids understand that money isn’t unlimited and encourages them to think about how they could earn it themselves. 

Allowing them to make small financial mistakes and guiding them to correct these mistakes teaches responsibility and decision-making without judgment.

“What saves us is…allowing the kids to make mistakes, but also not judging them when they do,” says Bobbi Rebell in a podcast interview. She is a Certified Financial Planner and author of “Launching Financial Grown-Ups.” Instead of giving money as a handout to young family members this holiday, ask if they would like to earn some extra cash through chores, like picking up the wrapping paper on the ground or washing the dishes after baking cookies. 

4. Turn Holiday Lists Into Fun Games

Game-based learning in early childhood education has evolved over the years due to advances in technology, educational research, and the development of new teaching methods. In the U.S., teachers often use play money, toy credit cards, learning centers, and games to teach financial literacy to children. Globally, programs such as Children’s Savings Accounts or national strategies for youth financial literacy have proven effective in building early money skills. You can adapt these principles at home, using gift-giving as a practical teaching tool.

In early childhood, kids develop the ability to think symbolically and understand that words and pictures can represent real-world objects and concepts. Board games like Monopoly allow children to practice buying and selling, managing money, and making spending decisions using play money. 

5. Encourage Smart Spending With Gift Cards Or Cash

Some parents worry that giving gift cards or cash feels impersonal, but kids often enjoy the independence it offers. You can give gift cards for favorite restaurants or specific items they’ve been saving for.

This approach helps them practice making big-shot decisions and teaches them to prioritize what they really want, instead of just grabbing the first shiny object that screams their name. Homemade coupons or guided brainstorming sessions can make this even more engaging and intentional.

6. Model The Joy Of Generosity

By modeling generosity, you teach children that they can use money thoughtfully to help others, like donating money, sharing resources, or supporting charitable causes. Engaging kids in money-related acts of giving helps them develop empathy, responsibility, and intentional spending habits.

These experiences show kids that money can have a seriously positive impact that goes beyond just buying things. The holidays are the perfect chance to connect those dots, encouraging children to mix their new financial skills with the simple, good feeling that comes from an act of kindness.

Wrapping Up Money Lessons With Holiday Cheer

The holidays are an ideal time to teach children about money. Hands-on activities make lessons fun and memorable, covering topics such as budgeting, saving, spending, and generosity. Parents model responsible habits, and small, consistent lessons now build lifelong financial skills. Incorporating money education into holiday traditions helps children grow into confident, thoughtful consumers.

This article How To Teach Kids Financial Literacy Through Holiday Gift-Giving was originally published on HerAgenda.com

Last-minute shopping is no longer a hassle thanks to technology. Working women that have to balance work, family, and inevitable end-of-year demands can confidently rest easy thanks to modern day assistance.

If you still have some Christmas gifts to check off of your list, Her Agenda has some helpful tools to free you of stress, and purchase everything you need, and possibly pick it up the same day.

Tech Tools That Are Saving Time And Christmas

Thanks to buy-online-pick-up-in-store, curbside pickup, and same-day delivery, and gift guides apps you can conveniently order your last minute Christmas gifts from the comfort of your bed or your desk at work. Many women professionals can work without worrying about getting off to shop in crowded stores with barely anything left, and the dreadful long lines.

Stores like Walmart, Target, Macy’s, Kohl’s and a host of grocery stores offer curbside services for your convenience. And FiveBelow and Old Navy offer buy-online-pick-up-in-store.

AI Recommendations Assist With Purchases

Most retail websites offer AI assistance and can be of help if you’re unsure of what you’re looking for. AI can offer recommendations, and substitutes if what you’re looking for isn’t available. 

Amazon led the way by rolling out its Rufus chatbot in 2024. Walmart’s Sparky chatbot is available on app and can synthesize reviews or offer product recommendations based on occasions, such as Christmas. Target recently unveiled a gift finder chatbot on its app, but it’s only available for the holiday season. Ralph Lauren partnered with Microsoft on the “Ask Ralph” chatbot to provide style recommendations.

Land Last-Minute Christmas Deals

Chain Store Age reports that in-store shopping will remain key for last-minute shoppers, with 88% planning to spend in physical stores. Shopping centers will also be an important destination, with nearly eight-in-10 (79%) shoppers planning to visit a retail property, led by Gen Z (89%) and millennials (86%).

Some millennial women may have to trek through the aisles of stores last-minute, however going into the stores with a budget and an idea of what you’re looking for will save time and effort.

However, sometimes being last-minute has its perks. The closer it gets to Christmas, the cheaper items become, as retailers are preparing to transition to the next holiday. In these cases you could find markdowns, clearance items, and good sales. Amazon currently has an online sale with something for everyone in your family. Amazon works best if you have a subscription, as it allows for shorter delivery times.

This article How Women Are Using Tech to Win Last-Minute Holiday Shopping  was originally published on HerAgenda.com

If you’re looking for Christmas gift inspiration you’ve come to the right place. There are so many avenues to look at when it comes to finding the right gift, and exploring trending gifts can sometimes make your search a bit easier.

Whether you’re looking for comfort, luxury, music essentials, or something simpler, Her Agenda has gathered four of your Christmas must-haves due to popular demand.

Apple Airpods Pro 3

These Airpods are perfect if you’re looking for a music upgrade. The battery is said to have a longer hold, there’s a more quality sound from previous Airpods, and they’re water and sweat resistant.

Many millennial women wear Airpods on the go, as they are compact and convenient. You can wear them in the office, while working out, during meetings, or while relaxing.

Amazon and Walmart have them on sale for $199.

Oversized Blanket Hoodie

The winter months make coziness a priority. Whether you like blankets, robes, or throws it’s always nice to be snuggled into something that makes you feel warm.

This oversize blanket hoodie offers everything you want in one piece. Having a blanket that’s both soft and big is a dream to lay in and watch TV, stay warm while you work from home, or get comfy and sleep in. The sherpa material has huge pockets, with the option of zippers.

For the millennial woman this piece would serve as a great gift for the long days at the office, or as a means to relax after a hard day. And as women, when our cycles can disturb our lives once a month, an oversized hoodie can bring extra comfort.

Lululemon Everywhere Belt Bag

This bag is selling out in stores and online due to its versatility. You can wear it as a fanny pack, waist or shoulder bag. It can store keys, wallets, cell phones, and essentials.

This is the perfect on-the-go bag for millennial working women that need a nice sized bag that’s cute and sustainable. The everywhere bag also has water repellent fabric, and is available in eight assorted colors.

You can find this bag on the Lululemon site for $38.

Grill Baskets

Keeping health in mind as Q4 ends, these grill baskets are flying off the shelves. If you know a grill master, this gift is for them. These stainless steel grill baskets can create the perfectly charred seafood and vegetables. Actually, anything you grill with the baskets will be delicious, as they are evenly grilled due to its rotation capabilities.

Dinner is made simple for the working woman as all you have to do is toss in your favorite protein and vegetables and let the basket do the rest.

You can find the grill baskets on Amazon for $25.99.

This article The Most Popular Christmas Gifts Women Are Actually Buying This Year was originally published on HerAgenda.com

As the holidays roll in, so do the bills. Deciding what gifts seem financially feasible while maintaining monthly responsibilities doesn’t have to be a hassle. By thinking creatively, thoughtfully, and intentionally, you can gift your loved ones with something they’ll cherish.

With the gift ideas below, you’ll save Christmas and money.

A Handwritten Letter From The Heart

There’s nothing like a handwritten letter. If you’re strapped for cash, pull out some notebook paper, copy paper, or a blank or personalized Christmas card and an ink pen and let your heart pour out. This is something I did last year for gifts to my family as I wasn’t financially able to give out gifts like I wanted. However, it was a hit! Everyone loved the personalized touch that a card specifically for them presented. 

Get creative and bring up your favorite memory together, an inside joke, or something you admire the most about them. It’s something they can look back on throughout the year, and on a bad day could lift their spirits.

You can order beautifully decorated and affordable cards in bulk on Temu, Shein, and Walmart.

Decorate A Frame With A Loving Picture/Photo Book

Although everything is digital now, a physical copy of a memorable moment is priceless. You can either purchase a frame as is, or elevate the look by buying accessories to add to the frame at the dollar store. This can be a great stress reliever as you’re doing a fun crafty activity.

Another option is to create a photo book online. Places like Printerpix, Shutterfly, Mixbook, and Snapfix offer affordable prices on custom soft and hard cover photobooks ranging from 8×8 to 12×12. Gather all of your favorite pictures and personalize a photobook for your loved ones. They’ll love the effort and creativity you put into it.

Thrive From Thrifting

Did you know that Thriftmas is a thing? Thriftmas takes the negative stigma of “used clothing” and gives new meaning to second hand clothing, by giving them a “second chance” with someone else.

The thrift store doesn’t just offer second hand clothes, it offers pieces that you won’t see everyone else wearing. You can find vintage pieces in great condition at thrift stores, and the best part is you won’t pay half of what it’s worth. 

My late grandmother used to thrift and I began in adulthood, paying homage to her; I was surprised that I’d find brand new clothes with tags still on them.

Research your closest thrift store, and you may be able to find high fashion clothes, purses, shoes, and sometimes jewelry for incredible prices. 

Make It Homemade 

When in doubt, make it homemade. There are a variety of kits available when it comes to Christmas desserts. From the likes of a gingerbread man house, ugly sweater cookie, the variations are limitless. However, you can make a gift more personalized by incorporating things that you know your friends/family enjoy.

Doing a DIY/Homemade hot chocolate bomb with Hershey’s and marshmellows, or switching things up by adding Biscoff cookies, or Oreos can be a great gift and treat. You can start by getting the example from the original hot chocolate, but adding a spin on it makes all the difference.

Create A Jar Of Affirmations

Think of a message in a bottle, only you’re gifting it directly to the person you want to send it to. Affirmations are not only joyous but endorphin-driven. When you read a great affirmation that resonates, it makes your day better, lifts your spirits, and takes away anything trying to bring you down.

Make someone’s day by writing small validating words of encouragement on color sheets of paper. Fold each sheet and place them into a clear glass bottle. Be sure to fill the bottle completely. 

Get creative.You can paint/decorate the bottle or leave it as is; Add ribbon, stickers, and other accessories as you wish. These affirmations will be designed to be a little gift every time the giftee opens the bottle, so make it sweet and heartfelt.

This article Meaningful Christmas Gifts That Don’t Break The Bank was originally published on HerAgenda.com

The holiday season is many things: warm, joyful, magical. But it also brings financial stress and pressure to many. Gift-giving, travel, gatherings, and the constant sales can make it easy to lose track of your spending and financial goals.

This stress is more widespread than people may think. A recent survey from Beyond Finance revealed that 66% of respondents feel pressure to buy gifts even when they can’t afford it. Only 51% create a holiday budget but 64% of them have already overspent or expect to.

To help women navigate holiday finances and head into the new year with financial clarity, Her Agenda spoke with financial expert Haley Sacks, also known as Mrs. Dow Jones. Haley offered the following advice to spend smarter and build healthy financial habits.

Shop Smart And Avoid Holiday Spending Pitfalls

There is a significant temptation to buy more during the holidays because of what we consider to be great deals. According to Haley, one of the biggest pitfalls is “buy now, pay later” programs. The purchase feels great at the moment but can cause financial stress later.

“A $200 gift could become a $600 burden, even if the marketing for the item makes the financing seem easy,” Haley said.

Since holiday sales can seem like amazing deals, Haley also recommends asking yourself whether you would buy it at full price. If the answer is no, the sale is an expense, not a deal. Since retailers often inflate the original prices, checking the price history on Google Shopping is a good way to shop smart as well.

Stay Grounded With A Mindset Shift

Mindset matters when it comes to holiday finances. It can seem easier to push off money concerns until January, since it is considered a reset month. However, your finances do not benefit from an “I’ll figure it out later” attitude.

“Future you is a real person,” Haley said. “Picture her checking her bank account balance on January 1. Does she thank you for staying on top of your finances, or does she resent you for pushing it off?”

Instead of avoiding thinking about your finances or relying on a January reset, stay mindful while making spending decisions.

Build A Strong Start To The New Year

After the expense of the holiday season, many women look to set new financial goals. Haley’s recommendation is to look at protection, investment, and habits.

“A recent study by Jewelers Mutual found that jewelry is the third-most expensive item that we own besides homes and cars,” Haley said.

Many people assume homeowners or renters insurance offers full protections but that is not always the case. Haley recommends jewelry insurance like that offered by Jewelers Mutual, especially if you get engaged or receive a meaningful piece of jewelry over the holidays.

For women looking to start investing in the new year, Haley suggests beginning with the basics. Build an emergency fund, pay off high-interest debt, and start contributing to a tax-advantaged account like a Roth IRA. Most importantly, check-in on how you are doing each month.

“A monthly money ‘date’ is non-negotiable — it should be on the same date every month,” Haley said. “It’s so important to have a set time to track your finances.”

Looking Forward

With 2025 coming to an end, Haley hopes women leave behind unhealthy money trends.

“I really hope women leave behind the ‘girl math’ trend,” she said. “It just leads to unhealthy decisions, rebrands overspending logic, and glamourizes financial delusion.”

Instead, she hopes more women choose to invest money in the market and build wealth. Accumulating wealth requires buying assets.

By embracing smarter habits and intentional spending, women can better manage their holiday finances and start the new year with greater peace of mind.

This article Holiday Finances: Smart Spending And Saving Tips From Mrs. Dow Jones was originally published on HerAgenda.com

When Category 5 Hurricane Melissa swept through Jamaica this fall, it left devastating destruction in its wake — including the nearly 300-acre Nature’s Way Organic Farm in Ramble, St. Mary. The Black-owned farm, founded and operated by RADA-certified farmer Aretha Duncan, had become a thriving agricultural hub and vital source of income and nourishment for dozens of local families.

Aretha, who was born in Jamaica and raised in Bergen County, New Jersey, spent the last decade pouring her savings, passion, and labor into transforming the land into a sustainable resource for her community. But in a matter of hours, Hurricane Melissa submerged crops, uprooted fields, destroyed pipelines, and wiped out years of painstaking investment and growth.

Despite the devastation, Aretha remains determined and hopeful. In the immediate aftermath, she opened the land to local families, urging them to take whatever produce remained so they would not go hungry. Now, as she faces the immense challenge of rebuilding, she is calling on supporters to help restore the farm — a restoration that will feed countless people across the region and provide continued employment for her 14-member staff.

Her Agenda spoke with Aretha about the storm’s impact, the community she serves, and what resilience looks like when rebuilding from the ground up.

Her Agenda: How did you begin your farming journey?

Aretha Duncan: The journey started while I was spending some time in Jamaica, and I came across a lot of hunger and the need for something sustainable, because a lot of the food imported into the country is all GMO. There are lots of pesticides, and people are not well informed about what they’re eating. I took the initiative to not only inform families but to do something about it by starting the farm and growing organically.

Her Agenda: Tell us about Nature’s Way Organic Farm

Aretha Duncan: Nature’s Way Organic Farm is located in the luscious hills of St. Mary, Jamaica. We’re about 10,000 feet above sea level. We have three natural springs at the property. So all the plants, all the vegetation are actually watered by natural spring water. And because of the altitude in which we’re located, a lot of the crops don’t need water because they’re watered by the dew. 

Her Agenda: How did the hurricane impact the farm?

Aretha Duncan: It is completely devastating. I lost about 10,000 plantain trees. Now there’s a need for plantain, and it is very sustainable, very hearty food which can be turned into flour and porridge. The hurricane wiped out all the plantains, bananas, sugar cane, coconuts, even the pipelines are uprooted.

Her Agenda: In a perfect world how do you envision the farm being restored?

Aretha Duncan: With it being restored, I’m looking for people to come together. And to see the vision and to help me because I cannot do it by myself. Right now I have staff members that have to feed their family, and they’re depending on me to provide work for them. With nothing coming in and the total devastation of the farm it’s going to be a challenge.

Her Agenda: Despite the hurricane setback what motivates you and keeps you going?

Aretha Duncan: To see the benefit of the community. The children in the community, no one is going hungry. The community comes together, and we do something for the children every year; and when they come to the farm, they’re fascinated by the lake with over a few 1,000 fish in it, and turtles and migratory birds. I love to see children come to the farm, and they’re mesmerized, and you knock on a piece of ledge, and they swim to you. I just want children to have that experience and know that you can live organically and the land can sustain you, the way in which it has sustained us for generations.

Her Agenda: Can you speak about the land’s historic meaning?

Aretha Duncan: Back in the 1700s or 1800s, [there] was a rebellion in Jamaica called the Tacky Rebellion. And that is the property [on] which the rebellion took place. Tacky was a slave. And he burnt down the slave master’s house and started a rebellion. And this is the same property that I am on right now. This is where the ancestors were buried years ago. So I feel a sense of responsibility. It’s a historic site; I have to keep it preserved because our history was just lost. Now it’s in the hands of a black person, a black woman, and the little that is left, I want it to be preserved.

This article How One Jamaican Farmer Is Reclaiming Her Land After Hurricane Melissa was originally published on HerAgenda.com

Being fiscally responsible can benefit you in all aspects of life – especially during the holidays. Planning ahead to mitigate overspending will not only protect your pockets, it will help you manage your stress levels, anxiety and mental health.

Holiday “emergency funds” can help you stay on top of holiday shopping without breaking the bank. If you’re looking for a way to keep the holidays from getting the best of you, Her Agenda has gathered information on how to build your very own holiday emergency fund.

What Is A Holiday Emergency Fund?

According to Saver Life, a holiday fund is money you’ve set aside to celebrate holidays and special events. You can use it for gifts, decorations, food, or any other holiday-related expenses. Often, when people think about a holiday fund, they only think of saving money for Christmas, but you can also use your holiday fund to help cover expenses associated with birthdays, anniversaries, graduations, or any other time you’re buying gifts or celebrating.

Having a holiday emergency fund is essentially like having money for “a rainy day.” You won’t have to scramble, borrow money, or stress because you’ve already put money aside for holidays that are inevitably approaching.

How To Start A Holiday Emergency Fund

According to Saver Life, as you create your holiday fund, consider your holiday budget. How much are you willing and able to spend on different event types? 

To determine this, look at what you’ve spent in the past on gifts, decorations, food, clothes, and any other holiday items you’ve purchased. You can find this information on previous bank and credit card statements. Be sure the number you come up with is in line with your values and what you can afford. 

Furthermore, if you’re not sure how much you’ve spent in the past, setting a reasonable budget and sticking to it will be beneficial. Setting a goal and staying within range for birthdays, Christmas, and even graduations will help you prepare for what is to come.

Knowing Where To Save

Your holiday emergency fund should not be connected to your monthly expenses. Open a savings account, put money in a safe, or utilize a credit union. You want the money to be accessible, but not as accessible as your everyday spending account.

According to Make Money For Sure, to ensure consistent contributions to your holiday savings consider setting up automatic transfers from your primary checking or banking account. This automated savings approach will help you build your holiday fund steadily, without the risk of forgetting to manually transfer funds.

By creating a dedicated holiday savings account and leveraging automatic transfers, you can take a proactive step towards a stress-free and financially responsible holiday season.

Start Saving Early

U.S. News projected that Americans spent an average of $1,014 spent on holiday gifts last year. If possible, starting to save in January will give you ample amount of time to prepare for the coming holidays. Being proactive is the best tactic to practice while securing a realistic holiday emergency fund.

U.S. News also suggests shopping around for a high-yield savings account with a competitive annual percentage yield (APY), no minimum balance requirements and no monthly or annual maintenance fees. Capital One’s 360 Performance Savings currently comes with a 3.60% APY and doesn’t require a minimum deposit or maintenance fees.

The higher the APY and the lower the costs, the more you’ll earn on your holiday savings as they sit in the account.

This article How Women Are Building ‘Holiday Emergency Funds’ To Mitigate Over-Spending was originally published on HerAgenda.com

The winter holidays are swiftly approaching, which means so is the holiday shopping rush. The best gift you can give yourself this season is the gift of peace. Just think of all the holiday hassle you’ll avoid. While the world is out in chaos, you can be at home sipping hot chocolate by the fireplace, wrapping gifts as the holiday music plays in the background.

Her Agenda has gathered five ways that will help you eliminate anxiety by early holiday shopping. This is a must read if you truly want to experience holiday joy.

1. You’ll Budget Better By Shopping Earlier

Imagine setting out a list of things you intend to buy, researching the best prices, and sticking to that set price. No, there won’t be any Black Friday deals, people waiting in tents for hours in line before you, or Cyber Monday hacks, but you’ll get what you set out to buy.

According to Ramsey Solutions, these are the best budgeting suggestions:

• Starting in January and saving a little each month is ideal, but it’s not too late to begin now and still make a difference.
• Using cash instead of cards can help you spend less and stay on budget while Christmas shopping.
• Cutting expenses like cable, unused subscriptions and gym memberships can free up hundreds of dollars in just a few months.
• Planning early, hunting for deals, and even going DIY with gifts or potluck parties can help you stay festive without overspending.
• Being intentional — like setting aside “under budget” money or opening a separate Christmas savings account—helps ensure those savings don’t get accidentally spent.

2. Your Gifts Will Be More Intentional

With the extra time to plan, you’ll be able to pick out specific gifts for everyone on your list. Those last minute gifts can sometimes be dead giveaways that they were rushed and unplanned. Make the people in your life feel important and thought about by putting some thought behind their holiday gifts.

Intentional gifts are often less expensive and more heartwarming and meaningful. Paying attention to what a person’s interests are, like their favorite food, music, color etc. can be the difference in picking a coat over a hoodie. In fact, here are 30 Thoughtful Holiday Gift Ideas to get your wheels turning.

3. Shipping Delays Won’t Affect You

If you prefer shopping in bed, shopping ahead should be a breeze. Browsing the web for gifts can be a stress-free experience, especially if you’re doing all of your shopping ahead of time. Another perk is knowing that holiday shipping delays won’t affect any of your gifts.

Enjoy your peace of mind knowing that your gifts will be delivered ahead of time, and the only problem you’ll have is deciding where to hide the gifts. But for everyone else, here’s USPS cutoff dates if you’d like to receive your gifts by Christmas day.

4. Early Prep Can Reduce Financial Strain

According to the American Psychological Association, financial concerns were most often cited as a cause of stress during the holidays, with 58% of U.S. adults saying that spending too much or not having enough money to spend causes them stress.

Being proactive will relieve stress and anxiety as you prepare for the holidays. Another realistic approach is understanding that you have to live within your means and stick to your budget. Go into the holidays with a positive mindset and coping mechanisms that will aid in managing the demands for the months. Remember, the holidays are temporary and you can get through this.

5. Last-minute Chaos Won’t Exist

News Nation reports that tariffs could make holiday shopping more expensive this year, pushing up prices on imported goods from clothing to electronics. With the likes of more money spent, last minute shopping shouldn’t be on anyone’s list.

However, if you’re budgeting and need a little assistance, pay-here providers like Klarna, Affirm, Paypal Later are available to lessen the load.

Happy early shopping!

This article 5 Ways Early Holiday Shopping Can Eliminate Anxiety Later was originally published on HerAgenda.com

Too many of us aren’t thinking about retirement as much as we should. We put it off as a “future” problem, but planning about your future should happen now.

AARP and The Ad Council are working to change this narrative and collaborated with Her Agenda to bring this message forward. Their efforts culminated into a panel conversation on Oct. 23 in New York City titled Stacked: Saving, Planning, & Playing With Intention. The event set out to empower women about intentional long term planning for their futures. 

“We wanted to put together this event so that your audience could hear from experts about the importance of planning and saving for retirement as early as possible in life,” Hilary Landa, senior campaign director at Ad Council shared. 

She said the goal of the This Is Pretirement campaign is to encourage people to take attainable steps now that can better set them up for the long-term. 

“We aim to fill that gap through the free information and tips that we provide on ThisIsPretirement.org,” she said. “So that people can get started as soon as possible and take simple, easy steps today, tomorrow, that will make a big difference for their long-term financial future.”

The Panelists Who Are Leading Finance Conversations 

The panel was hosted by Her Agenda founder Rhonesha Byng, author and founder of “The Broke Black Girl” Dasha Kennedy, senior director of finance and employment at AARP  Lori Trawinski, and author and podcast host Jamila Souffrant.

Rhonesha said they put the event together as a part of a wholistic approach of supporting ambitious women, especially as the target audience of millennials is getting older and needs to start thinking about retirement. 

“Our audience is growing and evolving,” she said. “We’re millennials, we’re getting into our 40s, and we need to start to think about these things. [Some of us may] be the first person in our family to have a six-figure career, or to go to college, and so there’s no one we can look to for guidance [within our immediate family]. So we have to find guidance amongst ourselves and our community.” 

So…What Should You Actually Be Doing To Save For Retirement? 

All of the panelists agreed on one thing, that you should start early with whatever you have. 

“I had to stop looking at small money as no money,” Dasha said. “In the beginning, large amounts of money…say $500, [or] invest $1000, in the beginning, that would’ve sent me into a frenzy. I wasn’t trying to hear that. I needed the $10 days, the $20 days, and that ended up being my saving grace.”

Lori said an accessible and  tangible way to start saving today is by simply bringing your lunch to work.  

“The lunch calculator takes in a data estimate for what it costs you to make lunch versus what it costs you to buy it every day,” she said. “It assumes a 2% return on that money, and in a 30-year period, which, for many people, is like your career, it could add up to $30,000 more money, and then with the interest, it goes up to like $50,000.” 

During the panel Rhonesha acknowledged that there are tons of layoffs at the moment that are disproportionately impacting Black women – including nearly 300,000 Black women leaving the workforce in just three months in 2025 largely due to sweeping job cuts across public-sector agencies –  and asked the panelists what are some practical steps that can be taken within the first 30 days of a layoff. 

Dasha said that the first 30 days is a great time to create some stability. 

“It’s time to start reviewing everything. What’s coming in, what’s going out, what can I pause, who can I call?,” she says. “I know that in a situation like that it’s so easy for us to clam up and panic and  [not] do anything. But right there, that’s the best time for us to start stabilizing, getting up, and taking action.”

The panelists also discussed how to save while being in debt. Lori said that you can try to make your debt smaller. 

“One of the things that you can try to do is to consolidate the debt,” she says. “I would go to the credit union, get a consolidation loan. It would cap the amount of debt and the balance would go down every month.”

Jamila encouraged people to shift their attitude when it comes to talking about money. 

“Mindset is a big part of this journey,” she said. “So in order to change your mindset or to improve your mindset, surround yourself with inspiration, whether that is getting a book or reading a book online or looking at a blog or following people who actually inspire you to do better with your money is really key.”

What Attendees Had To Say

Brianne Clark-White said she was encouraged to attend the event by a friend and was hoping to gain some knowledge about how to best plan for her and her one year old son’s future. 

“Obviously, I’m getting by,” she said. “I feel like I have a good job. I have a career in corporate America. But sometimes I do feel like I’m just getting by, you know? Like I’m just surviving. I want to do more with the income that I have, and with me being a first-time mom, obviously, I have a shift in my financial goal.” 

She added that while she did get some valuable tips about how to save for her son directly, her main takeaway is actually how planning better for herself will help her son as well. 

“I have to make sure that I’m set first, she said. “Setting myself up for success is helping my child more in the long run [so] that he doesn’t have to take care of me when I get older.”

Shaina McGregor, who attended to support her sister, panelist Jamila, said she’s taking away that even the little things add up.

“When you sometimes think about the big picture, you’re like all of these other things are a priority,” she said. “But when you remember that the small things add up, it’s really important to be like, okay, even if I can only contribute XYZ to my Roth IRA, it’s so worthwhile.”

Watch the full panel in the video above. View and download photos here.

[Editor’s note: This article was created in collaboration with The Ad Council and AARP.] 

This article The Real Talk About Retirement That Every Woman Needs To Hear was originally published on HerAgenda.com

In these times of creating your own lane, it appears that millennials have taken that notion and ran with it. Many things like the economy, job security, and cultural beliefs are uncertain. According to Forbes, the same survey that found that 60% of Millennials left their company in less than three years discovered that the primary indicator of whether Millennials stay at a company is if there is a “good cultural fit.”

Here’s how millennial women are redefining what career success looks like, how they are navigating on their own terms, and why they prefer to set their own expectations and career forwardness.

Why Aren’t Millennials For 9-To-5 Jobs?

“As a generation, we have been taught to question the status quo and I think it is right to look at alternative ways of structuring work that are more conducive to work-life balance and prioritizing things that fulfill you,” said Rebecca Lyons, Founder & CEO at Her Say

“We watched our Boomer parents work their lives away and save ‘living’ for retirement, only to get sick and die as soon as they retired,” said Jessica Bross, Ghostwriter, editor, and book coach at Cider Spoon Stories, LLC.

When Did You Know 9-To-5 Work Wasn’t For You?

“I knew the traditional 9–5 wasn’t for me when my daughter started school and the math of childcare plus rigid hours stopped making sense,” said  Francheska Stone, Podcast Host & Creator of 9 to 5 Mom With A Pod. “Working West Coast hours from New Jersey meant missing family time, and I realized I wanted control over my day and work that aligned with my values, teaching other mom creators.”

Ultimately, jobs only work when they correlate to the person. While a 9-to-5 job may feel more stable for some, a more flexible job may be more accommodating to others. The main key is finding a job that offers a decent work-life balance, so you don’t risk the chance of getting burned out.

Is Entrepreneurship For Everybody?

“I don’t think entrepreneurship is for everybody, and do believe that many people would be better off working a 9-5. A healthy labor market enables people to have options,” said Carli Fink, Workforce and Learning Consultant at Challenge Factory.

“No, it’s not for everyone,” said Iti Malken, Founder of LUMA Rituals. “Entrepreneurship demands resilience, self-motivation and comfort with uncertainty. Some people thrive in structure, and that’s fine. Stability can come from a 9-to-5 job or from owning a business. What matters is alignment with your personality and values.”

How To Ensure Stability As An Entrepreneur

“To ensure stability, I still align myself with 9-5 systems, but as a contractor, so that I can maintain my autonomy,” said Jamie-Lee Denton, founder at The SelfRep Lawyer. “Additionally, I’m always learning, I have an accountant to help me manage my finances, and I regularly assess my progress for weak spots and fix them.” 

“I also accept that stability is a myth. Life is going to life, so I have to create as many rafts and jackets to ensure I stay afloat,” Jamie-Lee said.

“The best piece of advice I have is to start building your business while you still have a job,” said Alexa Starks, founder at Executive Moms. Alexa suggests working on it on the weekends, in the mornings before work or after work, but while you still have income. She believes that starting out as an entrepreneur isn’t guaranteed stability or income, so building savings and a safety net as much as you can will be beneficial.

If you’re a millennial trying to find your way, know that there are options. Whether you decide to work a 9-to-5 job or go the entrepreneurial route, the opportunities are there for the taking.

Remember to make smart and intentional decisions; and consult with a mentor or someone you trust before making major moves.

This article Why Most Millennials Aren’t 9-To-5 Workers was originally published on HerAgenda.com

As the calendar inches toward November, many professionals shift into year-end mode: tying up loose ends, closing projects, and preparing for holiday slowdowns or next-year planning, instinctively slowing their pace and shifting into wrap-up mode.

But for ambitious women, the final quarter can be reframed as a moment to launch a seasonal side project that adds income now and strengthens your portfolio for the year ahead. With measured effort and smart design, Q4 becomes less about closing the year and more about planting seeds for new growth. 

The rationale is strong. Consumer demand traditionally peaks in Q4, thanks to major gift-giving seasons, Black Friday and Cyber Monday promotions, holiday shopping behavior, and year-end planning trends. According to Intuit’s 2025 Holiday Shopping report, U.S. consumers intend to spend $263 billion during the holiday season, with roughly $109 billion of that amount representing a direct opportunity for small businesses. Similarly, Deloitte’s 2025 Holiday Retail survey highlights that despite economic uncertainty, shoppers continue to lean into valuable, traditional, and experience-driven spending.

These signals suggest that Q4 remains a high-leverage moment for creators and small-scale entrepreneurs.

​​At the same time, the idea of a “portfolio career” has gained momentum among business thinkers. In her widely cited Harvard Business Review article, author April Rinne argues that professionals benefit from building diversified income streams rather than following a single linear path.

“Those who make an effort to build a career portfolio now will be more prepared to pitch themselves for (and even create) new opportunities, as they will be well-practiced at making creative connections between their various skills and the skills required of the jobs they most wish to pursue,” April wrote.

Harvard Business School professor Christina Wallace, in The Portfolio Life, frames this as: “An anti-hustle, pro-rest approach to work-life balance.” 

Together, these perspectives imply that launching a seasonal side project is about making progress on a broader professional vision. Below are four “how-to” strategies you can fit into your Q4 planning to design a side project that is executable and meaningful.

1: Test Demand

Begin with a lean experiment rather than a full-scale launch. For example, create a short downloadable holiday-themed worksheet or mini “12-day content challenge” and promote it to your network at a low price or even free in exchange for feedback.

Observe metrics like email open rate, click-through rate, and conversion rate. If 5 to 10% of those who express interest convert, you have a signal worth scaling. If not, you can pivot quickly (perhaps toward a winter wellness guide or a New Year’s planning bundle instead!).

2: Align With Consumer Mindsets

Your offering should reflect what people are already thinking about in Q4: gifting, year-end wrap-ups, cozy living, self-improvement, reflection, and planning. A copywriter might publish “Holiday Messaging Templates” framed around gift-giving or year-end gratitude.

A designer might create limited-edition winter art prints, or a social media pro might package a “New-Year Content Kickoff” bundle ready for January. Service providers could offer year-end audit sessions, planning workshops, or content assessments to ready clients for Q1 launches. Because your timing synchronizes with consumer intent, your project has natural resonance.

3: Build Efficiency

Since you likely have a full-time job or other obligations, efficiency is essential. Create modular assets like templates, frameworks, and visual kits that you can reuse and rework.

Batch content production (for example, spend a weekend creating all your social media posts and emails) and automate delivery using scheduling tools. This strategy lets you work smarter, not harder, and keeps the side project from becoming a drain.

4: Establish Boundaries

Because Q4 is time-limited and already demanding, set clear boundaries. Decide up front how many hours per week you’ll commit (for example, six hours). Agree on a pause threshold, such as if project revenue falls below $100 or if your primary job performance starts to suffer, you put the project on hold. Use fixed sprint cycles rather than an open timeline. At the end of the sprint, review performance: do you double down, iterate, or sunset this experiment? Over time, the seasonal projects that succeed can evolve into recurring pillars of your portfolio.

Q4 can become your creative runway into what follows. By combining demand awareness with lean validation, operational discipline, and strategic boundaries, you can launch a seasonal side project that delivers both income and new momentum. 

This article How To Build Seasonal Side Projects To Boost Q4 Income And Portfolio Growth was originally published on HerAgenda.com

The conversation about women’s empowerment is evolving, and so are women’s thoughts about their economic independence. For women, building enduring and meaningful futures is important as ever. It’s critical to embrace the opportunity to plan ahead  and turn the conversation around  saving for retirement  from one of anxiety to one of long-term economic empowerment.

A New Age Of Women Taking Charge Of Their Future

At Her Agenda, it has always been about enabling women to bridge the ambition-realization gap by addressing the real issues we face: career development, wealth building, and sustained security. Today, with economic uncertainty and the rising cost of living  reshaping the financial landscape, taking advantage of your Pretirement years to set yourself up for long term financial security is more important than ever. 

What Is Pretirement And Why Does It Matter? 

Pretirement refers to the period in people’s lives – typically during their 40s and 50s – when they are closer to retirement than they are to the start of their career and beginning to plan for the next phase of their life. During these years, it’s important to make strategic financial decisions today to ensure tomorrow’s stability and security. To help you understand your financial situation and make those strategic decisions, the Ad Council and AARP have created ‘This Is Pretirement’ a national campaign that empowers women with the free tools and resources to help them prepare for retirement. 

For women, the imperative is clear. According to a recent AARP survey, more than 1 in 5 (22%) adults have no retirement savings.  For Black women, the statistics are even more sobering — just 49% have retirement savings, compared to 61% of U.S. adults overall. Additionally, 52% of Black working adults lack access to a workplace retirement plan, creating an even steeper uphill climb toward financial security.

That’s why Her Agenda’s collaboration with AARP and the Ad Council’s for the “Stacked: Saving, Planning, and Playing with Intention” event is a game-changer. In collaboration with the “This Is Pretirement” campaign, the event reinforces Pretirement as an intentional, empowering chapter in women’s lives.

Jamila Souffrant, founder of Journey to Launch, author of Your Journey to Financial Freedom and panelist at the “Stacked” event, set a goal to reach financial independence and retire early at the age of 40. After two years of aiming for that goal, she decided to pivot and launch her personal finance-focused business. 

“Savings are meant to save you in times of emergency and to do the things you want in life, and so in order to do that, you do have to build that savings muscle,” Jamila told ABC 7 News. “And it doesn’t happen overnight, but it is something you can build, it is a learnable skill.”

Bridging The Gap Between Ambition And Achievement

Her Agenda’s founder, Rhonesha Byng, built the site on the belief that no one ever slows her agenda, which includes financial empowerment. Through editorial content, online presence, and community, Her Agenda unites motivated women with resources and stories that take action. It’s not just about knowing your goals, it’s about having a plan and support system to achieve it.

Lori Trawinski, senior director of finance and employment at AARP and panelist at the “Stacked” event, is an expert on financial management, foreclosures, reverse mortgages, and consumer debt issues. Lori told KBTX people over the age of 50 are carrying credit card debt more than any other type of debt at this moment.

“As a society, we look at credit card debt and think people are making bad decisions and they are impulse purchases. What our research found was a lot different,” she said. “Everyday expenses. We’re talking about medicine, things you need to live each day – and those are major contributors to the credit card debt. So, it’s not about fancy vacations, it’s about trying to live.”

Practical steps women can take to embrace Pretirement:

• Start with clarity. Define what financial independence will look like for your lifestyle and values.

• Move forward with intention. Budget, save, and invest with a long-term view. Find personalized resources to help you get started on these goals and more at ThisIsPretirement.org. 

• Lean on the community. Join networks like Her Agenda that provide mentorship, workshops, and peer inspiration.

• Continuously learn. Keep abreast of shifting economic trends that directly affect women.

From Career To Confidence: Redefining Success

With more women becoming entrepreneurs, business leaders and media leaders, financial literacy is becoming a bedrock of empowerment. Taking advantage of their Pretirement years gives women the scaffolding to live confidently today and create financial freedom for tomorrow. It’s all about moving from survival mode to deliberate living.

Dasha Kennedy, financial activist, advocate, and creator of the Broke Black Girl is also a panelist for the “Stacked” event. Dasha has first hand experience living in financial hardship, and has walked the path to financial empowerment, learning along the way how important it is to be aware of the steps you can take to set yourself up for success.

“Avoidance costs money,” Dasha told GoBankingRates.com. “Awareness saves it.”

If you’re a founder of a company or are self-employed and lack the traditional retirement savings resources often provided by larger companies, saving for the future has to be a priority. ThisIsPretirement.org has resources to help you create your own personalized retirement savings action plan, no matter your career path.  Some of the tips on the site include:

• Create Your Retirement Budget: The AARP Retirement Calculator shows you the long-term benefits of your retirement savings plan contributions, and helps you determine the amount of money you’ll need to retire. It helps you answer questions like, “am I saving enough?” and “when can I afford to stop working?”
• Take The 2% Challenge: If you’re just starting out with your saving, or you got off track, try saving 1-2% of your salary to make progress toward your retirement goals. As you get more confident and establish a routine of saving small amounts, try raising your contributions another 1-2% each year. 
• Calculate Your Solo 401(k) And SEP 401(k) Contributions: Sole proprietors have several tools to choose from when it comes to building financial security for retirement, from pooled and solo 401(k)s to a variety of individual retirement account (IRA) options. 

And if you have a more traditional career with a salary, we share tips including automating your savings, and maxing out your employer’s 401K match in our Pretirement Playbook For Busy Women. 

The Power Of Planning With Purpose

Financial independence is not a place to arrive; it’s a path. 

As Rhonesha Byng reiterates, Pretirement is the time to plan ahead so that you can navigate  whatever comes next with confidence. With education, visibility, and connection, Her Agenda is not only helping women plan for the future, it’s helping them take it.

Take control of your financial future and join the Her Agenda community to connect with ambitious women who are redefining success on their own terms. 

Visit ThisIsPretirement.org to create your own free personalized retirement savings action plan backed by AARP’s financial insights and expertise. Take control of your financial future, today.

This article How Women Are Redefining Financial Empowerment was originally published on HerAgenda.com