mckenzie | money • life

underconsumption as a six figure earner 💸 ✨inspired by the underconsumption queen HERSELF @alex on a budget 🫶🏻 #underconsumption #underconsumptioncore #savingmoney #buynow #Sustainability #shopping #spendingmoney #financialfreedom #financialindependence

how long should it take to save for an emergency fund?? #personalfinance #emergencyfund #financialeducation #financialgoals #savingmoneytips #hysa #highyieldsavingsaccount

are you saving too much money?? 💸 #personalfinance #savingmoney #savings #hysa #highyieldsavingsaccount #financialliteracy #financialeducation #investingforbeginners #budgeting #moneytips

I have $63k of debt, but I still…. 💻🤍 My Annual Budget Planner where I create my debt payoff plan and budget in all of my financial goals for the year is available in my Stan Store 🫶🏻 #personalfinance #debt #debtpayoff #debtfreejourney #budget #budgeting

reminder that HYSA’s are the bare minimum 🫡 #personalfinance #hysa #highyieldsavings #highyieldsavingsaccount

you have a HYSA and a Roth IRA… what now? 🫨💸 highly recommend The Money Guys to dive deeper into the Financial Order of Operations 💸 #personalfinance #financialfreedom #financialliteracy #invest #retirementplanning #rothira #hysa #highyieldsavingsaccount #401k #money#fire #financialindependence

why im choosing to invest instead of save for a down payment 📈🏠 #personalfinance #investing #rentvsbuy #retirement #downpayment #coastfire #fire #financialindependence #rothira

Replying to @mckenzie | money • life my investment journey through the years! 📈 coast fire: @mckenzie | money • life #investingforbeginners #investment #retirement #retirementplanning #fire #coastfire #financialfreedom #financialliteracy #financialindependence #rothira #401k

no buy 2025 🛍️ this is basically a forced no buy because i won’t have much money left in my budget except for essential spending. This means: • no makeup • no restaurants • no coffee shops • no clothes • no fun money (im keeping a little extra in my budget to hold me over for things already planned, but i wont add to it) • no skincare (i already have enough essentials to last me this quarter) #nobuy #personalfinance #nobuychallenge #lowbuy #spendingmoney #financialgoals #moneygoals #401k #retirement

what I spent in November 💸 💻 Annual Budget Planner available in my Stan Store 🤍 #personalfinance #whatispend #monthlybudgeting #budget #budgeting #financialindependence #financialfreedom

no buy rules 2025 🛍️ this is basically a forced no buy so i can frontload my 401k contributions 💸📈 I do have a few exceptions: • i will be paying for 2 volleyball leagues in January • i will keep Spotify because i use it every day and see the value (as opposed to Netflix and HBO) #nobuy #personalfinance #nobuychallenge #lowbuy #spendingmoney #financialgoals #moneygoals #401k #retirement

let’s get rich 💸 It’s so important for us, especially women, to be financially independent. The earlier you start, the easier it is 🤍 #personalfinance #investing #richlife #rich #retirement #financialfreedom #financialindependence #fire

my sinking funds for 2025 💸 💻 Annual Budget Planner + a discount code to celebrate the new year in my Stan Store 🪩✨🫶🏻 #personalfinance #savingmoney #sinkingfunds #budget #moneygoals

my money rules for 2025 🙂 #greenscreen #moneyrules #financialindependence #personalfinance #moneytok #nobuyyear #nobuychallenge #nobuy #lowbuy

I almost bought a house 🫣 ✨ me and my partner are not married so the plan was that I would purchase the house alone in my name only and he would help cover the mortgage as “rent.” I would only purchase a home I could reasonably afford by myself so splitting would just be nice to have. Also he wouldn’t have any responsibilities to pay for repairs or home maintenance since he wouldn’t get equity. Just paying a fair rent price. This is something we agreed on either way (if he purchased on his own or if I did) so it would be fair!! ✨ the home we found was a bit over my budget but we were willing to make it work. But ig life said that’s not the right one for you!!! ✨ this is something I’ve been a bit embarrassed about since I saved this money up starting in 2022 through the beginning of 2024 and then ended up not even using it for its intended purpose. And it’s honestly just been sitting there for so long bc I felt frozen with what to do with it (having it also felt like a security blanket but I KNOW LOGICALLY it’s way too much money to keep in cash. Plus it could have made sooooo much more in the stock market, but life happens!!! I’m glad I can use part of it to fully fund my 12 month emergency fund and getting the rest into the stock market FINALLY is better late than never 🙃

all of my investment accounts + exactly what im invested in 📈💸 In the accounts that I don’t have direct control over my investments (like 401k and HSA) I try to choose index funds that most closely track the S&P500. #personalfinance #invest #investingforbeginners #retirementplanning #rothira #401k #fire #financialfreedom #financialliteracy #investments #indexfunds

emergency fund audit 🫡💸 #personalfinance #emergencyfund #hysa #highyieldsavings #savingsaccount #financialaudit #budgeting #budget

you have to start caring about your finances in your 20s❤️‍🩹 #personalfinance #financialfreedom #financialeducation #financialliteracy #20something #retirement #overspending #hauls #buynow

things I don’t care about…. 💸 #personalfinance #money #hysa #highyieldsavings #creditcard #creditcardpoints #coffee #shopping #creditscore #debtfree #debtpayoff

underconsumption 🛍️🛒💸 things I LOVE spending money on: • my cats (toys, food, anything really) • my skincare staples • high quality work out clothes - I will only replace items that have been worn out, but when I do I love to splurge on higher quality items • my mattress!! I have a tempur pedic and it’s been one of the best things I’ve spent money on • my Dyson vacuum - totally unnecessary but it makes vacuuming fun LOL where I embrace underconsumption: • home decor (I have almost none and don’t feel like I need any) • clothes - I probably buy 5 items a year and it’s mostly to replace things I have worn out. I only buy shoes once I have ran them ragged (only exception is for running shoes, I replace them after their 400-500 mile limit so I can avoid getting injured) • razors - at home wax only for me! • water bottles - the only water bottles we own are ones we got for free from events or work #underconsumption #underconsumptioncore #personalfinance #spendingmoney