Anytime I tell people I’m a personal finance blogger, they get this look of shock on their face. Not because they don’t know what blogging is (which as many of you know is probably a good 75% of people out there), but because I don’t dress all financial-like. In fact, as my mother likes to say, I “dress like a bum.” (she just doesn’t get style these days, my jeans are supposed to have holes! haha…).
But regardless of how you label it, most people can agree that I don’t look rich. And if the clothes weren’t enough to give it away, my ‘hawk sure does. But how do they know how much I have in the bank? What if I were a super-billionaire disguised like some punk kid? Do you think those millionaires next door flaunt fancy clothes all over the place? Noooooooope. Some do of course, but there are many more fakers out there than the real deal. Some people find it important to LOOK rich over actually BEING rich.
Have you ever read The Millionaire Next Door? Great great book that goes over a lot of the lifestyles that true millionaires actually live. It’s probably one of my favorite financial books I’ve read (next to The Richest Man in Babylon and I Will Teach You To Be Rich) and it’s actually pretty eye-opening. Most millionaires are pretty boring! Haha… I seriously recommend reading it if you haven’t already – you can see my review of it here.
So the point to take home today is this: Don’t judge a book by its cover. Pretty damn obvious, but pretty damn true. Just because your neighbor is rockin’ the gator boots and that Laguna Blue M3, doesn’t mean he’s all that. Odds are the “bum” down the street is actually worth more.
Killer resources and apps:
- Best Budget Templates & Spreadsheets (FREE)— The best free budget templates from around the community! Including the ones I use :)
- Personal Capital* (FREE) — A great app to track your investments and net worth. You can see an in-depth review we did here from a millionaire who checks it daily 😂
- You Need a Budget (YNAB)* (FREE TRIAL, then $14.99/mo or $98.99/year) — One of the BEST budgeting methods in the space, with new users saving $600 on avg their first two months, and more than $6,000 over their first year! Check out my friend Vic’s review of YNAB here that went on to completely change his finances 💪
- Digit (FREE 6 mo. Trial, then $5/mo) — This is one of my favorite apps for automatically saving money, and I even came on board as an advisor I believed in them so much! You can see my full review on Digit here.
- Acorns* ($3-$5/mo) – Similar to Digit, this app helps you automatically INVEST money by rounding up all your transactions to the nearest dollar and then investing it right away for you. My full review of Acorns can be found here.
- Honey (FREE) — By far my favorite coupon service out there! Click the Honey button any time you're about to buy something online, and BOOM - any discounts it finds will be automatically applied at checkout. You can see my write up on them here.
- Credit Karma* (FREE) — An easy way to check and monitor your credit score AND report! See my full review of these guys here.
- My Favorite Blogs + Books < -- Click here to see all my other recommendations!