7 Easy Ways to Start Saving for Retirement in Your 20s

Ashley Macey
Mar 18, 2017

Making a long-term financial plan is super difficult when you’re still trying to work out how your paycheck can cover rent, bills, and paying off your hefty student loan. That’s why it didn’t really surprise us to learn that more than half of millennials think a secure retirement is beyond reach, according to a new survey by Merrill Lynch. But because we millennials are motivated AF, we’re taking our future into our own hands by outlining tangible steps to grow our retirement funds. Financial experts shared seven super simple ways to start saving for retirement in your 20s. Yes, it’s totally possible.

1. Start by deciding your retirement number. Starting a retirement plan can be super intimidating. Sharing economy expert at The Casual Capitalist, Glenn Carter, suggests figuring out the age you’d like to retire before you start planning any specifics about how you’re going to save your moola. “Doing this also encourages you to find other means of generating income,” says Carter. “I usually recommend millennials try out the gig economy (AKA pursue those side hustles), because it’s easy to get started and the capital requirements are minimal.”

2. Pay yourself first. While a sizable credit card bill or looming rent payment might seem like the biggest priority in your budget, author of Climbing the Retirement MountainCalvin Goetz suggests putting savings first. “Millennials should get in the habit of putting at least 10 percent of their income into retirement savings, whether that includes contributions to their employer’s 401(k) plan or additional contributions to a Roth IRA if they’re eligible,” advises Goetz.

3. Automate your savings. “Let’s face it: Most millennials don’t have as much income as older generations, considering the student debt load most are carrying,” says Carter. Because of this, it’s ridiculously easy to forget to regularly put money toward retirement. That’s what makes automatic deductions so great. You can set it, forget it, and benefit from the long-term effects of compounding without ever having to walk into a bank.

4. Avoid the latte factor. As millennial financial planner at Lighthouse Financial Advisors Dennis McNamara puts it, “We are what we do every day.” If stopping at Starbucks for a grande vanilla latte is a regular occurrence, take a moment and think about how much you could save for retirement if you treated yourself once a week instead of every day.

5. Save for *more* than just retirement. “This will sound weird, but make sure you’re saving for not-retirement too,” advises personal finance expert at Half Banked, Desirae Odjick. “The best way to avoid plundering your retirement savings to join your friends on that impromptu trip to Spain is to make sure you have what I call spendable savings too.” Along with saving for your post-work life, set up a separate savings account for fun activities (and an emergency fund!).

6. Apply your raises directly to your retirement fund. When most people get a raise at work, the first thing they do is go out and buy that super cool item that’s been on their wish list for years. Consumer-saving expert Andrea Woroch says this is a no-no. “Instead of boosting your lifestyle every time you receive a raise, direct the increase to your retirement funds. If you’re already living comfortably on your current income, the extra funds are of better use to you in a retirement fund that benefits from compound interest,” she says.

7. Treat saving like an expense. While most people make a detailed financial plan for things like rent, car payments, and their cell phone bill, not many people treat retirement savings as an expense. “Saving is a line item in your budget, just like these other expenses,” says investing and retirement specialist for NerdWallet Arielle O’Shea. Treating retirement savings as a can’t-miss monthly expense will help you make a mental shift toward a non-negotiable monthly saving amount.

Have you started a retirement plan yet? Tweet us by mentioning @BritandCo.

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PlantYou’s Food Hacks Can Save You Over $1K On Groceries

It's no secret that groceries feel more expensive than ever right now, and compounded by the fact the average American home throws away 322 cups of food a year, I'm determined to use up every bit of the food, sauces, and other cooking basics I buy. That's how I found Carleigh Bodrug. Her PlantYou page, and her Scrappy Cooking series (plus her new cookbook!), makes creating delicious recipes easier, and more fun, than ever.

What is scrappy cooking?

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"Scrappy Cooking is the concept of transforming the world’s most commonly wasted foods into delicious recipes — and starting is as easy as chopping up a broccoli stem into a stir-fry," she tells me over email. "Seriously, it doesn’t have to be complicated. Look at the plants you have that you bring into your home every week, and see if there are ways to repurpose them."

With the help of Carleigh's Instagram page, I turned some broccoli stems into French fries and used up the last of my peanut butter for a noodle salad sauce. If you want to turn your groceries into a one-of-a-kind meal but aren't sure where to start, Carleigh recommends looking at every single aspect of the plant.

"Whenever I bring a plant into my home, I think about what part of the plant is discarded, and then I research whether or not it’s safe to consume (this part is important)!" she says. "Once I identify it’s edible, that’s where the fun begins. A great example of this is something like celery, which I buy often. I was discarding the celery leaves for years, only to find out they taste almost exactly like parsley and make a great base for a tabouleh style salad."

Is PlantYou vegan?

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Yes, a lot of PlantYou's recipes are vegan, and they're all plant-based! Some of Carleigh's favorite recipes include mocha chocolate granola with spent coffee grounds, "chips" made out of beet greens, and pickle juice as a marinade (which is something I learned Chick-Fil-A does!). These recipes might sound intimidating or time-consuming, but that's exactly why Carleigh's PlantYou social media exists.

I can speak from experience that the videos are easy to both understand and put into practice. (Plus, the recipes are super versatile, because "when you’re cooking with just plants, if you screw something up, you can almost always fix it!"). But there are a few steps that always make these scrappy processes easier.

"The low hanging fruit to reducing food waste in your kitchen actually starts before you grocery shop," Carleigh says. "I always recommend people sit down for an hour one day a week, and make a really basic meal plan, outlining what they plan to eat for breakfast, lunch, and dinner. Then, before they head to the store, shop their fridge and pantry to avoid duplicate buying. Now it’s time to compile a shopping list, and only buy what you have a plan for! Done right, this will take care of 80 percent of your food waste."

What can I buy to save money on food?

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In addition to meal prepping (check out our favorite apps to reduce food waste, too!), the PlantYou chef + author recommends having a few recipes that use up a bunch of ingredients in one go. "It’s really important to lean on staple recipes that allow you to 'clean out the fridge,' which is really what my new Scrappy cookbook is about," Carleigh Bodrug says. "I wanted to arm people with great base recipes (like stews, curries and stir fries), where they can interchange the vegetables and produce items they have on hand every week to reduce waste and save money."

"By using up leftovers, repurposing ingredients, and being more mindful about the food you’re bringing into your home, you'll notice a decrease in your grocery bill," she continues. "The average American family of four wastes over $1700 worth of groceries per year — which is like a phone bill every month! Not only does being Scrappy benefit your wallet, but it also feels great knowing you're making healthier choices and contributing to a more sustainable planet."

Okay, so you know what you want to eat, and you've budgeted for groceries, what now? "I look for ingredients that are versatile and can be used in multiple recipes to minimize waste," Carleigh says. "Quality, longevity, and sustainability are key factors in my purchasing decisions."

What is the proper way to store food?

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After you've whipped up recipes like the Fiesta Fries below, it's important to store them properly to ensure they're fresh for as long as possible. "Use quality food storage and meal prep containers, and keep fruits and vegetables separate to prevent them from spoiling," Carleigh tells me. "Different types of food will require different conditions for optimum long-term storage. This applies to fresh produce, as well as dry and canned foods."

We all have days we don't want to cook (PlantYou's Carleigh Bodrug included), which is the perfect opportunity to support a local business. "On days when I don't feel like cooking, I usually rely on quick and easy options like smoothie bombs from my freezer, which are in my new cookbook," she says. "I also often have homemade soup ready to go that I’ve made in advance or have frozen in the freezer. Sometimes, my husband and I opt for ordering in from local restaurants in our small town in Ontario, especially on Friday nights after a long work week. It's a convenient way to support our favorite vegan small businesses while enjoying a hassle-free meal."

PlantYou's Fiesta Fries — Delicious Loaded Fries You Can Make Today!

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Ingredients:

  • 6 medium-size Yukon Gold potatoes, sliced to desired size, around 1/2 to 3/4 inch recommended
  • 1 tablespoon garlic powder
  • 1 tablespoon salt
  • 2 cups Vegan Ground Beef or your favorite vegan ground beef substitute
  • 1 (15-ounce) can black beans, pinto beans, or red kidney beans, drained and rinsed
  • 1 yellow or red onion, diced
  • 1 red bell pepper, seeded and diced 2 garlic cloves, minced
  • 1 teaspoon ground cumin
  • 1 tablespoon chili powder
  • 1 to 2 tablespoons water or extra-virgin olive oil

Suggested Toppings:

  • 1 tomato, diced
  • 1 jalapeño pepper, seeded and diced Handful of fresh cilantro (optional)
  • Juice of 1 lime
  • 1/2 cup Sunflower Cream Sauce

Instructions:

  1. Preheat the oven to 375°F, and line a baking sheet with a reusable baking mat or parchment paper.
  2. In a bowl, combine the sliced potatoes with the garlic powder and salt and toss until coated.
  3. Transfer to the prepared baking sheet and roast for 35 minutes, or until crispy, flipping halfway through.
  4. Meanwhile, in a large skillet, combine the ground “beef” with the black beans, onion, red bell pepper, garlic, cumin, chili powder, and the water. Sauté over medium heat for 5 minutes, or until the onion starts to turn translucent.
  5. Assemble on a serving platter with the fries on the bottom, topped with the ground beef mixture and your desired toppings.

Excerpted from PlantYou: Scrappy Cooking: 140+ Plant-Based Zero-Waste Recipes That Are Good for You, Your Wallet, and the Planet by Carleigh Bodrug. Copyright © 2024. Available from Hachette Go, an imprint of Hachette Book Group, Inc.

Carleigh Bodrug is the CEO and Founder of PlantYou, a New York Times Bestselling cookbook author and self-taught plant-based chef, famous for her simple take on low-waste and vegan recipes. Boasting over ten million followers between her social channels, Carleigh has gripped social media with her simple and delicious low-waste recipes that make plants the star of the show.

Her latest book, PlantYou: Scrappy Cooking: 140+ Plant-Based Zero-Waste Recipes That Are Good for You, Your Wallet, and the Planet, is out NOW!

Check out our Weekend Scroll for more delicious recipes!

Brit + Co. may at times use affiliate links to promote products sold by others, but always offers genuine editorial recommendations.

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Ryan Gosling Supports Eva Mendes "In All The Ways," And It Makes Us Love Him Even More

There are two things I know for sure: Ken loves Barbie, and Ryan Gosling loves Eva Mendes. The couple met on the movie set for The Place Beyond the Pines in 2011, and have created such a beautiful life together! Eva's just as excited for the Christmas remix of "I'm Just Ken" as we are, and Ryan Gosling and Eva Mendes' constant support of one another is making us think back on all their cutest moments.

A Full Timeline Of Ryan Gosling And Eva Mendes' Relationship

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August 2011 — Ryan Gosling And Eva Mendes Meet During The Place Beyond The Pines

Ryan Gosling and Eva Mendes took a chance at romance after they played a couple in 2011's The Place Beyond The Pines. Once they were linked, they were seen walking around Disneyland "like a dating couple, [walking] very closely, holding hands and their arms touching side-by-side," according to a PEOPLE eyewitness.

Image via Matt Winkelmeyer/Getty Images for SXSW

November + December 2011 — Ryan Gosling And Eva Mendes Spend The Holidays Together

During Thanksgiving in 2011, Eva Mendes was filming Holly Motors in Paris, so Ryan Gosling took a trip to the City of Lights so they could spend the holiday together. They also ended up going on Funny or Die's Drunk History Christmas the next month to reenact a 21+ version of The Night Before Christmas *and* spent New Year's together!

Image via Sonia Recchia/Getty Images

September 7, 2012 — Ryan Gosling And Eva Mendes Attend The Toronto International Film Festival Together

To promote The Place Beyond the Pines, Ryan Gosling and Eva Mendes spent a lot of time together on the TIFF red carpet. Years later in 2019, when Kelly Clarkson pulled up the picture, Eva couldn't help but gush over Ryan — especially since they hadn't announced they were dating at the time. “Oh my God, that’s so old," she says of the photo. "That’s literally me going, ‘I’m not in love with him. What? I’m not in love.’ ‘Cause we were trying to be very professional."

Image via Warner Bros. Pictures

May 2014 — Ryan Gosling And Eva Mendes Work Together On Lost River

Ryan and Eva reunited on a film set again for Lost River, which was both Ryan's directorial debut and served as a semi-autobiographical story for him. "For me, it was crucial to work in this intimate, low-budget, small way, with people I had worked with before, because I feel like in my experience that’s where everyone was at their best," Ryan tells Sunday Style (via Mangalorean). "They know what is at stake for you personally, and all the work that’s gone into getting there."

Eva also told her Instagram followers in a since-deleted postthat Lost River is the project she's most proud of. "There was one film I'm extra proud to be a part of," she said. "A dark fairy tale. A magical fantasy. To all the struggling single mothers, to all of us in cities that feel like they're burning down or flooding around us, to everyone fighting for the ones they love, this was a good one."

Image via Pascal Le Segretain/Getty Images

September 12, 2014 — Eva Mendes Gives Birth To Their First Child

Ryan Gosling and Eva Mendes welcomed Esmerelda Amada Gosling into the world in September of 2014. Eva later said that she didn't even want kids until she got together with Ryan. "I was lucky enough to work my bum off for 20 years," she tells Nova 96.9's Fitzy & Wippa (via PEOPLE). "I never wanted babies before until I fell in love with Ryan, and it kind of worked out to where I was 40 and having my first baby. I think I was 42 for the second one, so it worked out in that way that I had a career and then I change my focus to my family."

Ryan also went on to tell GQ in 2023 that he was in a similar place before meeting Eva. "I wasn’t thinking about kids before I met her, but after I met Eva, I realized that I just didn’t want to have kids without her," he says. "And there were moments on The Place Beyond the Pines where we were pretending to be a family, and I didn’t really want it to be pretend anymore." I could cry!!

Image via Gareth Cattermole/Getty Images

December 7, 2015 — Ryan Gosling Gives A Rare Interview About His Relationship

While Ryan and Eva have kept their relationship very private, he told Hello! that "I know that I'm with the person I'm supposed to be with" and that literally the only quality he looks for in a woman is "That she's Eva Mendes. There's nothing else I'm looking for." Swoon!

Image via Brad Barket/Getty Images

April 29, 2016 — Ryan Gosling And Eva Mendes Have Their Second Child

Eva Mendes gave birth to her and Ryan's second baby, a daughter named Amada Lee Gosling, in April 2016 — after keeping the pregnancy a secret until it was almost time to deliver! Amada is named after Eva's grandma.

Image via Paul Drinkwater/NBCUniversal via Getty Images

January 8, 2017 — Ryan Gosling Dedicates His La La Land Golden Globe To Eva Mendes' Brother

While accepting his Golden Globe for Best Performance in a Motion Picture – Musical or Comedy, Ryan Gosling made sure to let the world know just how much of a role Eva had played in the process. “I would like to try and thank one person properly, and say that while I was singing and dancing and playing piano,” he says in his speech, “my lady was raising our daughter, pregnant with our second and trying to help her brother with his battle with cancer.”

Eva's brother, Juan Carlos Mendes, had passed away the previous April and Ryan took the opportunity to dedicate the award to him.

Image via Dominique Charriau/Getty Images

February 12, 2020 — Eva Mendes Reveals Ryan Gosling Is A Great Cook

When an Instagram account asked what Eva and Ryan liked to cook, Eva revealed just how amazing Ryan is with food. "Ryan is an amazing chef AND baker," she says in her reply. "For reals. Incredible. No joke. I'm not sure that what I do is cooking. It's more like steaming veggies and juicing and making rice. He really cooks. I survive." Can I get Ryan Gosling to make me a meal sometime?

Image via Frazer Harrison/Getty Images

January 1, 2022 — Ryan Gosling Shares About Their Quarantine Life

“Time, in general, is something I think about a lot now. My kids are growing up so fast I need to keep an eye on the clock in a way I never used to,” Ryan Gosling tells GQ. “I feel like I need more time to process [how much the pandemic played into that]. But [Eva and I] have two kids, so we spend a lot of our time trying to keep them entertained.”

While they enjoyed their time together, Ryan's also candid about the effect of lockdown on their children: “Our kids were at a difficult age not to be able to see other kids and interact with people, even though Eva and I did our best.”

Image via Jaap Buitendijk/Warner Bros. Pictures.

June 2022 — Eva Mendes Embraces The Kenergy

When the world went crazy for every bit of Barbie news, so did Eva Mendes. "So. F. Funny," she says in an Instagram caption sharing the first look at Ryan Gosling's Ken. "So. F. Good. So F excited for you to see this…#Thatsmyken."

"It's a funny photo and he's trying to be funny, so it worked on all levels," she goes on to say on The Talk. "But when I saw it, when he sent it to me from work, I was like, 'Can I please have that underwear? Please, I never ask for anything'...So, anyway, I do have it. I'm wearing it right now."

Via Eva Mendes/Instagram

November 2022 — Eva Mendes Begins Dropping Hints She Married Ryan Gosling

When Eva showed off a new tattoo on her wrist in November of 2022 on Instagram, fans immediately began dissecting its meaning. The tattoo, which reads "de Gosling" (which is similar to Mrs. Gosling) could mean that Ryan Gosling and Eva Mendes are actually married! She went on to tell Today in Australia (via DailyMail) that "Everyone is so welcoming here and my husband Ryan is here, and we are having the best time." 👀

Image via Emma McIntyre/Getty Images for SiriusXM

August 9, 2023 — Ryan Gosling And Eva Mendes Love Family Time

In the midst of crazy release schedules and commitments (not to mention the actors' strike), Ryan Gosling and Eva Mendes always prioritize their family life. "When they are not working, they are all about their girls," a source tells People. "Ryan is such a fun dad. He is goofy and his girls love it." The source continues by saying the family loves to go to the beach or the desert (same TBH).

Image via Warner Bros Pictures.

December 18, 2023 — Eva Mendes Can't Wait For The "I'm Just Ken" Christmas Remix

If the original version of "I'm Just Ken" wasn't good enough, Ryan Gosling is blessing us with a Christmas remix — and Eva Mendes is just as excited as we are. "Ken not wait for this," she says in an Instagram caption.

Image via Jeff Spicer/Getty Images for Warner Bros.

January 13, 2024 — Ryan Gosling Mentions His Family During His Acceptance Speech

At the 2024 Santa Barbra International Film Festival, Ryan Gosling won the Kirk Douglas Award for Excellence in Film — and he totally deserves it! With a career that includes iconic films like La La Land and Barbie, as well as The Notebook, Blade Runner 2049, and Crazy Stupid Love, all kinds of film lovers have gotten to see Ryan's work onscreen. During his acceptance speech, Ryan got choked up talking about how acting allowed him to meet "the girl of [his] dreams."

"I dreamed of one day making movies and now movies have made my life a dream," he says in his speech. "So the way I see it, there's no way I have contributed half as much to cinema as cinema's contributed to me."

Image via Jaap Buitendijk/Warner Bros. Entertainment

January 24, 2024 — Eva Mendes Celebrates Ryan Gosling's Oscar Nomination

After the Oscar nominations were announced January 23, Eva Mendes took to Instagram to celebrate Ryan Gosling's nomination for Best Supporting Actor. "So proud of my man. So much hate when he took on this role," she says alongside screenshots of the first (very negative) reviews of his casting. "So many people trying to shame him for doing it. Despite all the #Notmyken ridicule and articles written about him, he created this completely original, hilarious, heartbreaking, now iconic character and took it all the way to Oscars. So beyond proud to be this Ken’s Barbie."

Image via Caroline McCredie/Getty Image

February 22, 2014 - Eva Mendes Announces Upcoming Children's Book

Yesterday Eva Mendes shared with People that she's penned a children's book named Desi, Mami, and the Never-Ending Worries that'll debut September 17. It's all about a little girl who's always worried that her scary brain is the real monster she's afraid of at night. Through gentle reminders, Desi's mom helps her understand that being afraid is normal and teaches her how not to let scary thoughts control her.

Eva Mendes told People the books is like "a love letter to my kids and yours" because "...Learning how to train our brain to work for us and not against us is easier said than done!" Since we know racing thoughts doesn't just affect adults, we love that Eva is finding a way to share some of her parenting tips with other parents.

Pre-Order Eva Mendes' Children's Book:

Desi, Mami, and the Never-Ending Worriesby Eva Mendes

Image via Eva Mendes/Instagram

March 10, 2024 — Eva Mendes Celebrates Ryan Gosling's Oscars Performance

Eva Mendes celebrated the Oscars on March 10 with a post highlighting Ryan Gosling's performance, and his entire run as Ken! "You took Ken all the way to the Oscar’s, RG," she says on Instagram. "Now come home, we need to put the kids to bed."

We love the way this couple can have fun with each other — and highlight how much teamwork parenthood requires!

Image via Kevin Winter/Getty Images

March 13, 2024 — Ryan Gosling Details How Eva Mendes And Their Daughters Helped Him Prepare For His Oscars Performance

Leave it to Ryan Gosling not to take credit for his amazing Oscars performance. He gushed to People about how Eva Mendes and their daughters helped him make sure his Kenergy truly shined bright. "They are such a huge part of this for me...it was my girl's interest in Barbie and disinterest in Ken that got me into this in the first place. It was beautiful to have them there at the end," he said.

As we all saw, the unmistakable Kenergy was in full force and effect during the Oscars.

Image via Eva Mendes/Instagram

March 26, 2024 — Eva Mendes Says It Was A "No Brainer" To Stay Home With Her Kids

Deciding how to maintain a work-home balance when you have kids is something every parent thinks about, and it turns out that extends to celebs, too! After starring with Ryan Gosling in The Place Beyond The Pines, Eva Mendes decided it was a "no brainer" to stay home with their family since acting can take you all over the world, which the actress revealed in a recent episode of The Today Show. “It was almost just like a non-verbal agreement that it was like, ‘Ok, he’s going to work and I’m going to work, I’m just going to work here,'” she says. She also says she's “so lucky” to “have this time with [their] children.”

“I have never experienced anything like [working with Ryan Gosling]. The way he works, his commitment to his craft, how he wants to make everything as best as it can be, and that means making his co-stars as best as they can be,” she continues. “But unfortunately — or fortunately — there is only one Ryan!"

Image via Eva Mendes/Instagram

April 1, 2024 — Eva Mendes Says Her Daughters Make Everything Better

After losing her brother in 2016, Eva Mendes says she has a "complicated relationship" with the month of April — but that her daughters make it infinitely more bearable. "[April 2] would have been my brother’s birthday," she says on Instagram. "In a couple of weeks from now is the day we lost him…but then, the end of April we got the biggest blessing of all, my little girl was born 8 years ago. I hate you April. But I love you more."

Image via Will Heath/NBC

April 13, 2024 — Ryan Gosling Hosts SNL

During his latest stint hosting SNL, Ryan Gosling did a hilarious sketch about a man who picks up a Cuban accent after getting married to a Cuban woman. Eva Mendes was all over it! "Coño! My Cuban Papi made this Cuban Mami so happy with this!!" Eva wrote on Instagram. "Years of hanging out with my Dad paid off."

Image via Jon Kopaloff/Getty Images

May 1, 2024 — Ryan Gosling Is The Ultimate Support System For Eva Mendes

Eva Mendes is not here for the mom-shamers. She told People (in honor of its 2024 Beautiful Issue) that staying home to focus on Ryan Gosling and her kids was the "easiest decision I've ever made" because she wanted to be there for their formative childhood years.

"When I was 40, it was a big deal for people when I was pregnant, and it wasn't for me," she says. "And then I was 42 and I was pregnant with my second one and people were like, 'Oh my God, you're going to be so tired. That's why people have kids in their 20s.' I was like, that's the most sorry, asinine thing I've ever heard."

"[Ryan supports me] in all the ways I need to be supported," she continues. "He's got me in all the ways."

Check back here for the latest news on Ryan Gosling and Eva Mendes, and don't forget to read up on Taylor Swift And Travis Kelce's Relationship and Tom Holland and Zendaya. :)

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This post has been updated.

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How A Money Date Can Help Unlock Financial Wellness For You & Your Partner

Talking money doesn't have to feel monstrous — especially if you make it fun by setting a money date. No matter your current relationship to money, this should be a time that you set aside to demystify the basics, build a healthy relationship with money, and learn ways to grow your wealth. This intentional time together allows you to give your full attention to how you relate to money and how to create the habits and lay down a healthy foundation to create financial wellness. Hopefully, you'll walk away from your money date with a confident, stress-free relationship to money.

What is a money date?

Photo by Tima Miroshnichenko / PEXELS

A money date can take on many forms, but it should always align with where you are in life. If you're single — or choose to keep money separate in your relationship — then a money date can be carving out time for yourself to create a comfortable space and review your priorities, values, and overall financial goals and hopefully actually set a plan in motion to achieve those. If you're in a relationship with combined finances, a money date can also be a way for you and your significant other to come together to talk about money and what matters most to each of you in a way that makes you comfortable and makes finances more approachable. TBH, even a group of friends can also get together with the purpose of focusing on money and topics that can help each of you gain better insights and strategies into reducing financial stress and building financial wellness and wealth.

How do you plan a money date?

Photo by KATRIN BOLOVTSOVA / PEXELS

A good starting point is to simply just...begin. One step leads into the next and before you know it, you've built life-long healthy money habits. But what does "beginning" actually look like? If you have a S.O., it's important to quickly chat with each other and establish the importance of money dates. Let them know that you want to work together to build healthy conversations around your goals and values with an emphasis on money and how that plays into your financial success. If you want to create a group of friends to have more structured conversations together, then think of 5-7 people that you think would be interested in the topic, add value to the conversation, and benefit from the discussion. And yes, even if you decide you want to focus on your money individually, you still need to structure it just like you structure time for your workouts!

No matter who you have your money date with, my best advice is to keep it consistent and have some guidelines. Being consistent means that you plan accordingly and you do the work if you want to enjoy the benefits. Set a time for individual or couple conversations — once a week for an hour is reasonable. For a group, once a month is more realistic. It will be more productive if you have the conversation in a place where you don't get distracted and where you have privacy as money can be a sensitive topic. Over a cup of coffee on the deck or a glass of wine on the couch, whatever works best for you.

What should you talk about on a money date?

Photo by Karolina Grabowska / PEXELS

There are a number of topics you should cover during a money date, which is why I suggest scheduling yours for one hour a week, same day, same time, and same place. You're establishing a habit and this is the best way for you to be consistent and reach your goal of financial health and wellness. The topics will be broad and then there should be opportunities for you to dig further down. My favorite break the ice question to get things started? Ask someone what's important to them about money.

Starting with this question will bring down some barriers and take the focus off how much money you have (quantitative) to what is important to you (qualitative). There will be plenty of time to go over numbers, but the first money date should be focused on dreams, goals, and values.

It's also critical to avoid money shaming during your conversation. Think about your relationship with money. How did you grow up learning about money? Did your parents fight about it? Was it a taboo subject that nobody spoke about? Or was there a scarcity of money? Think about it — these memories we have about money and our first introduction to money can have a negative affect on us that we don't even realize until we start to ask these questions. By starting conversations with qualitative questions first, you will quickly find out what your differences are and what the pain points are and help you identify the areas that you will need to discuss and work through more carefully.

After that, the first step in any of the following topics is to gather the information. Bring all the details with you to the date. There will be time to dig in deeper, have discussions around it, and make a decision or two — although don't worry about solving it all in one date. The point here is to make process based on the information you have at hand. The areas that you should address include the following:

  • Cash Flow: What's coming in (salary, income) and what's going out (expenses). There's no way around it — your expenses must be less than your income to be financially successful. Budgeting is usually the first place to start, but can also be the most difficult. It's okay to skip this one for now and come back to it if needed. Think of this as taking charge of your money one step at a time!
  • Debt: Credit cards, car loans, mortgages, student loans... no matter what type you have, debt can be challenging and ultimately set you back years financially if you don't address it the right way. There's definitely a difference between good debt and bad debt, and knowing which one is which is important to help you understand the best way to tackle this.
  • Retirement: It can be hard to think about retirement when you're in your earning or accumulation years. The key is to set up an automatic process where the money goes into your retirement accounts before it ever hits your bank account. You won't miss it if you don't see it.
  • Insurance/Protection: There are many reasons to transfer risk away from you onto an insurance company. Start with the basics — life, auto, home, and consider your company's benefits here as well.
  • Investing: The time value of money and compound interest are your best friends. Automating monthly deposits into your investment account is a great way to build wealth over time.
  • Estate Planning: Nobody likes to think of this one, but it's important to address. Retirement accounts and insurance falls outside of the will so be sure to update your beneficiaries annually(who you want to get your money if something were to happen to you). You will need at least the three basic documents as well - will, (who gets your money, assets and personal items) power of attorney (who can make financial decisions for you if you are unable to do so) and health care proxy (who can make medical decisions on your behalf)
  • Education: If you have kids and want to plan for the growing costs of college, 529s custodial accounts and other investments are available to help do so.
  • Philanthropy: Are you charitably inclined? Do you have causes that are important to you? Did you know that there are other ways to donate other than writing a check? You can also donate stock (Most who donate stock will donate appreciated stock, or stock that has gone up in value).

What happens after your money date?

Photo by Thirdman / PEXELS

Having an easy way to approach your money and having a system to manage your money will help you reduce stress around money and build confidence to move forward successfully. With the above plan, you can address both the quantitative side of your life as well as your qualitative side of your life to build wealth well. It's critical to explore the emotional side of money and what it means to you so you can better understand the best way for you to approach the dollars and sense of it.

If you're single and are thinking about when to start a money date — the best time to start is now. You're not too young and you're not too old. If you start today, you're one step closer to reaching financial peace of mind. Step one is set up time for your first date.

If you're in a relationship, the best time to start a money date is when you're beginning to discuss building a future together. When you have an SO, it takes the complications of money one step further as you each have a history with money that you bring to the table and to the relationship. Unchecked, it can cause challenges when it may be too late. Building habits early on and normalizing conversations about money will help you to implement the steps and actions that are needed to realize your goals together.

Having money dates on a regular basis will keep you consistent, disciplined, and focused financially. The benefits to a money date (and a lifelong process of money dates) is financial confidence — knowing where you stand, having the choice to do what you want with your time and money, and building a healthier, wealthier you. Money touches every aspect of your life, but money dates help you feel less stress, more in control, communicate better, and make better decisions in all of those aspects. By addressing this now, you're navigating complicated but important differences that you will want to work through together and start setting up healthy money habits now for your future.

Looking for more tools to help you jump start your road to financial freedom? Look for courses, classes, podcasts, books, spreadsheets, websites, instagram accounts that focus on to help address all things money. Check out my blogs on http://www.themoneydatebox.com where I share strategies and tools to help you get smarter about your money.

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A "Verity" Movie Is Officially On Its Way

Thanks to Challengers and The Watchers, I can already tell 2024 is going to be a year of shocking movies (and shockingly good movies), and that trend is going to continue thanks to Verity & Colleen Hoover. While It Ends With Us might be the most popular Colleen Hoover book, Verity is arguably the craziest, and The Hollywood Reporter just confirmed that a movie is officially in development! While we wait for more news, browse the Colleen Hoover merch you can wear to opening night ;).

Is there a movie about the book Verity?

Image via Amazon

Yes, a movie based on Colleen Hoover's Verity is officially on the way! The movie's in development at Amazon MGM Studios (the studio behind Florence Pugh's A Good Person and Zendaya's Challengers). Hillary Seitz is currently writing the script for the film, and Eat the Cat's Nick Antosca and Alex Hedlund are producing.

What is Verity about?

Image via Vlada Karpovich/Pexels

In Verity by Colleen Hoover, Lowen Ashleigh is a writer struggling to make ends meet. That is, until she's offered the job of a lifetime by Jeremy, husband to the ultimate it-girl author, Verity Crawford. The thriller writer is no longer able to finish the remaining books in her series, and Jeremy wants Lowen to pick up where she left off. While Lowen is over the moon to step in (both into the job and their huge family estate), a secret manuscript and family secrets lead Lowen to realize Verity's hiding a lot more than she's letting on. B+C editor Haley Sprankle says this is one of the craziest books she's ever read, and I know this is definitely going to be one of the craziest movies we've seen!

Who's in the Verity cast?

Image via Mike Coppola/Jon Kopaloff/Dia Dipasupil/Getty Images

Since the movie is just now in development, we don't have an official Verity cast list yet. But considering It Ends With Us is starring beloved actors like Blake Lively, Justin Baldoni, and Jenny Slate, I'm confident the cast of Verity will feature some incredible names.

Popular fancasts for Verity include You's Victoria Pedretti or The White Lotus' Alexandra Diddario as Lowen, Rosamund Pike or Margot Robbie as Verity, and Shia LaBeouf or Theo James as Jeremy. Without a doubt, the cast of Verity needs to be warm and welcoming at first glance, but also have an unexpected edge that reveals itself as we move through the story.

One Reddit user points out that the characters need to offer "just toxicity but also feigned innocence," and each of these actors do exactly that, which makes them incredible picks for the movie. If Blake wasn't already in It Ends With Us, I know she'd do a great job because she proved her thriller acting chops in A Simple Favor!

When did Verity come out?

Image via Dimitrios Kambouris/Getty Images for TIME

Colleen Hoover self-published Verity in 2018, and in 2021, the book was acquired by Grand Central Publishing. It sold more than one million copies in 2023, and has more than 340 thousand Amazon ratings and over two million Goodreads ratings. Talk about a hit!

What movie is similar to the book Verity?

Image via Lionsgate

If you love thriller books like Verity, then I'd recommend checking out other relationship-centric thrillers like Gone Girl, Rebecca, and A Simple Favor. For period drama fans, I cannot recommend Will Poulter and Lucy Boynton's Why Didn't They Ask Evans enough!

Follow us on TikTok and YouTube for the latest entertainment updates, and check back here for new info on Verity & Colleen Hoover's other books!

Lead image via Amazon.

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Your Perfect Pair Of New Balance Sneakers, Based On Your Vibes

Personal style is personal for a reason. Whatever you wear is a complete reflection of who you are, and this is especially true for what shoes you slip into every day. Everyone’s got their go-to sandals, but sneakers are an entirely different game, I tell ya.

If your fave footwear brand is New Balance and you just so happen to be in the market for some squeaky-clean sneaks, I’ve basically done all the research for you to help you find your perfect pair. This list of the most popular New Balance sneakers details not only each style’s practicality, but their personality, too.

Ahead, find your perfect New Balance sneakers – based on your vibes!

New Balance 9060: The ‘Fit Flexer

If you just can’t resist dressing to the nines every single day, the New Balance 9060s will fit right into your fashionista flair.

These “proudly futuristic” New Balance sneakers deliver on Y2K aesthetics beyond compare. The wider base is reminiscent of Nike Shox – very tech-y and otherworldly. The upper part is made from mesh and suede, supplying a super elevated vibe.

The white and cream white coloration is so easy to pair with most every ‘fit. They’ll match with cargo pants, vintage jeans, or even mini skirts and denim shorts.

Reviewers of the New Balance 9060 are glad they invested in this $150 shoe because it's so versatile.

One reviewer toted the 9060’s for fitting into “all aspects” of their lifestyle. Another said that the arch supports “unreal,” so though they’re more fashion-forward than other New Balance kicks, they’re still uber-comfortable for a range of activities.

New Balance 990: The Thrift Shopper

The New Balance 990s are straight-up dad sneakers to the core, so if you gravitate towards the thrift store (or all things vintage-y), you’ll find that they go swimmingly with most outfits and will stand up to long thrift trips.

While they were originally manufactured for running (and they still are), the 990s scream streetwear to me. They appear more elevated than your average athletic running shoe, thanks to the smooth pigskin and fine mesh.

The inside is fitted with a bouncy FuelCell midsole cushioning, and the shoe is available in 4 different widths. The range!

The New Balance 990s are very similar to the New Balance 993s, which is less performance-based.

New Balance 574 Core: The Weekend Warrior

Whether you're hitting the club or the farmer’s market on the weekends, you want to be comfortable (I mean, who doesn't?). The New Balance 574 Cores are made for the weekend warriors.

New Balance describes this signature shoe as “uncomplicated, rugged, durable, and comfortable.”

Though the 574s are pretty basic, they’re earned themselves icon status. You’re sure to see at least one pair when you go out.

The outer layer is made from suede and mesh materials dotted with 100% recycled polyester details.

New Balance 550: The Sneakerhead

These New Balance sneakers aren’t just black and white. They’re “sea salt” with “gray matter” and “magnet.” So yeah, if you consider yourself overly particular about your sneakers, the New Balance 550s are the shoe for you.

These were revived from the late 80’s and early 90’s then re-released full-time in 2021, and they’ve been a modern fan-favorite ever since.

The flatter soles on these sneaks mean they’re not as practical for running or walking long distances, but since they have a history with basketball, you might be able to rock ‘em on the court. More than anything, they definitely give basketball vibes, which is perfect for any streetwear ensemble.

The mixed materials and chunky approach to the classic New Balance logo give these an unmistakable air.

According to New Balance, these best fit people with an average arch height. The thick sole and cushy ankle padding work the hardest to support your feet, rather than an arched insole.

New Balance 530: The Gym-Goer

The New Balance 530s are giving Erewhon baddie. They’re giving I drink smoothies for breakfast. They’re giving I live and breathe pilates.

The stark white colorway of these sneakers reminds me of the clean girl aesthetic, and they’re so pretty, you may have a hard time getting them dirty.

Though very stylish on the outside, it’s what’s on the inside that counts with the New Balance 530s. They’re fitted with an ample midsole section that cushions and compresses your step.

New Balance Fresh Foam: The 10K Steps A Day-er

For the more athletic among us (hello, hot girl walks!), the New Balance Fresh Foam sneakers are the way to go. They’re designed especially for walking and running, so you can count on them to be comfy.

They have an extra-soft cushioning for a cozy step, and every aspect of the footbed is intended to stabilize the foot.

This shoe especially supports walkers or runners with the tendency to step heel first, a bonus co-signed by the American Podiatric Medical Association – this pair received their Seal of Acceptance.

The upper part of the shoe is made of mesh, so it’s highly breathable, even on hot days. They’re great for high arches, too!

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Images via New Balance.
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