Finance Girly
@PinkProfit
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hot girls have a Roth IRA - I pay for CFP advice so my girlies don’t have to | mental health advocate | not financial advice |
Michigan, USA
Joined December 2023
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The face behind the account:
Hello everyone 🫶🏻
Vanessa | 23 | Finance Enthusiast 📈 | Michigan 📍 | First-gen Latina 💃 | Spanish is my first language 🇲🇽 |
Unveiling the world of finance, one tweet at a time! 💰✨
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From no english, education, or connections to a multi millionaire, my father is the definition of the American dream.
He immigrated from Mexico at 16, working tirelessly at a Denny's in California. In his early 20s, he moved to Michigan with a visa granted by the Cesar Chavez…
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When married I’d like to have one joint account for bills/groceries one joint emergency savings account and then our SEPARATE spending account.
He doesn’t need to see what I spent at Sephora. And idc about his golf league.
Any married folks out there have a different take ?
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Unpopular opinion:
Weddings are a waste of both time and money
I know it’s tradition and every girls dream, but 30k ? Feels like a sin to spend that much on a few hours.
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@MrBudgetBill
Three accounts. Joint for shared expenses, proportional split based on income goes in to cover all bills, savings for vacations etc. after all investing and savings covered, remaining goes into individual checking accounts to spend how you want
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The average cost to raise a child in the U.S. is $20,813 annually.
Do you want kids ?
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I just don’t see the point in fully combining all my finances when married
Financial autonomy is very important to me.
Bills & house stuff? Sure
My spending is my business and equally I’ll respect him and how he spends his money, I trust he knows how to spend his money I’m…
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Would you borrow $6,000 from your Roth IRA contributions to pay off a $6,000 credit card balance ?
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If a stock pays a 4% dividend, and is down 10% YTD….come on people wake up
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Am I crazy or I thought there was a vote to end daylight savings clock changes, did that happen or was it just a dream?
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@GuyTalksFinance
When you get married you are using a prenup, it’s the government’s version. The question is do you want to use the government version, or make your own
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Biggest skill you can learn? Going to Costco and keeping it under $100.
I’ve yet to master it, but wow it would be powerful
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I did the math and I am currently auto investing 57% of my income every week !!! Considering I invested $0 last year, I’m pretty proud of myself 🥹
note: I live at with my lovely ma and pops and have virtually no expenses (very grateful!)
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This is not about trust; it's about respecting each other's financial autonomy and not micromanaging our finances
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Shocking fact: I've always paid cash for my cars.
Why? No interest payments, total ownership from day one, and lower total cost in the long run. Plus, it shows financial discipline and independence from credit scores.
Do you finance your car?
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I’m scheduled to put in 65 hrs at my dads restaurant next week! Being on your feet all day isn’t easy but saving for my first rental isn’t gonna get easier without working ! Putting in the work now to chill later.
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@Budgetdog_
Did the Northwestern Mutual rep ask for 10 family and friends information after recommending the Whole Life Policy?
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Seeing my male audience grow has caused me to take a detour from the finance talk to share something close to my heart: male mental health.
The stats may not be about stocks, but they're worth investing attention in.
77% of men polled have suffered with common mental health…
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Married, nice house, grand Cherokee, retirement binder (assuming he’s saving and focused on that), dogggggg, able to go out for lunch. I would say the vast majority have it worse
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I still can’t believe I bought AMC and Blackberry stock… not my finest moment.
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Is it just me that doesn’t want to retire early? 🙃
genuinely think you start dying quicker when you don’t work. Your brain starts shutting down and you become a shell of yourself.
I’ll either volunteer when I retire or still be working on something.
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Would you ever hire a financial advisor/CFP?
In a study conducted by Vanguard, it was found that investors who had financial advisors saw an average annual return that was 3% higher than those who did not seek professional advice.
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As a catholic, respectfully, the church should pay taxes.
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Reminder, do NOT invest the emergency fund. Thats all, have a great weekend 💋
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Got a case of FOMO - I’m personally re-reading my favorite finance and overall psychology book. Amazing book for mindset on finances
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After my investments, putting spending money aside and paying off the credit card I have $280 left over. What would you put it in? I’m thinking $VOO
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@iAmKam04
Roth only earns like 8% your credit card interest rate is like 25% my brain goes to pay off the debt first then focus on your Roth
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You should consider your financial situation prior to having kids
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Means so much how inspired you guys are by my pops, I can’t wait to share with him.
I hope this gives you that extra push to start your week off right 🫶🏻
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How much do you invest?
I am currently auto investing 57% of my income every week
note: I’m able to do this because I live with my lovely ma and pops and have virtually no expenses (very grateful!)
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To show my gratitude for the growth I’ve had on here the past week.
I wanted to treat you to $SBUX on me🫶🏻
Pls don’t be an asshole- only get one thing.
Just scan the code - I will let you know once it runs out in the comments.
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Would you ever invest in foreign land?
My family is from Jalisco, Mexico where all the tequila is produced!
My father bought a few acres of land where he currently grows agave to then be turned into tequila.
It’s a process of 7-10 years and the returns after paying workers…
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Unpopular opinion: we have over-normalized smoking weed and it’s killing ambition and hunger in those who are in their prime age to be hungry.
It's strange how waking up and drinking alcohol isn't considered normal, yet wake and bake is widely accepted by most people without…
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My dad wants me to manage his restaurant.
It’s a fast food restaurant I worked in from 14-21 safe to say I know it inside and out.
The manager is quitting and my dad is leaning on me to take it over and expand locations.
If this isn’t a passion of yours, would you still do…
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Stop thinking about what your money can buy, start thinking about what your money can earn.
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Any real estate experts or flippers have advice on rentals? Or any accounts I can follow for insight?
My goal is to buy and flip a home, eventually turning it into a rental property.
While I understand getting the construction trades is a big headache and money pit, but my…
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Thanks to my Twitter followers, I can now make money from ads.
It's been almost three months since I started on Twitter, and the mix of both love and criticism from you all has really boosted my engagement in a short time.
I appreciate the support ❤️
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Ever feel like your money disappears? Here’s a reality check:
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Guys I made the decision to take it over
My goals for right now is
-decreasing payroll, sometimes we’re over staffed
-re train staff, a lot of phone usage issues
- expand locations
Any books or tips that will guide me would be appreciated 🌸
My dad wants me to manage his restaurant.
It’s a fast food restaurant I worked in from 14-21 safe to say I know it inside and out.
The manager is quitting and my dad is leaning on me to take it over and expand locations.
If this isn’t a passion of yours, would you still do…
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To my ride-or-die best friend:
Big thanks for guiding me into the finance realm and setting up my Roth IRA at 19!
Happy birthday! 🎉🎂
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Share your love story! It’s almost vday❤️
I’ll go first, we met when I was 12 he was 16 with a girlfriend! We had zero interest in each other.
Years went by and his cousin, my god mother, tried getting us together but I insisted we were just friends.
When I was 19 he bought…
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Twitter is a prime example of how much we can learn from each other if we wanted to.
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So many repeated tweets. I’m guilty of it too. Finance is pretty simple if you’re okay with delayed gratification. Only so much you can tweet about it 🤷🏻♀️
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Unpopular opinion: I actually find financial advisors and CFPs incredibly helpful, especially as a young person trying to navigate the complexities of finance.
I'm curious why some people dislike/ lack trust in them so much.
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Without insurance a month I would be spending $2,000 on life saving medications that I need daily.
Currently with insurance, I pay approx. $5 a bottle so $35 total.
Free healthcare is a human right.
After 25 I won’t have health insurance like many others.
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@SkyyTheeGuy
I see what you’re saying, in my brain I trust him with his money and I trust he trusts me with mine. And then a % of each income for bills to keep it even. But I understand the benefits of both.
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@FracSlap
No better eye opening moment then realizing you pay taxes on your income, then pay taxes on all goods you buy, taxes on the house you buy, and when it’s all said and done, more taxes on your retirement income
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Is a country club a waste of money or a valuable networking opportunity?
My boyfriend belongs to a country club (he loves golfing, I suck) and I’ve found it helpful in expanding my social and professional circle.
I, personally, struggle to justify the cost since golf is not…
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@realfrugalmogul
My intention isn’t to hide my shopping it’s to spend my own money how I please without being concerned with it being mixed with someone else’s
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Getting attacked might be worth it. Thanks haters 🫶🏻 going towards my cats everyone says I own. Also my notifications are only on for followers so I legit can’t see it anymore.
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I like the idea of a rental and cash flow better than doing a flip. But I’m open to real estate Twitter, I mean X’s, take. Lets hear it
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Confession time: I didn't contribute to my Roth IRA last year.
Unfortunately, my mental health wasn't great then (doing much better now!) had a hospitalization (10 days) & had a rough patch with budgeting & credit card use. (completely under control now)
Stuff happens! It's…
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Would you spend the big bucks on a diamond engagement ring or take the lab made route ?
1 carat diamond engagement ring will start around $10,000.
1 carat lab made diamond engagement ring will start at about $743
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Okay hear me out, in the end of world scenario we all like to play out in our heads, is the shiny metal rock really going to be what gets you your next meal and shelter?
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With such growth in such a short time and to celebrate my ad revenue eligibility- I’d like to treat you to Starbucks!
The last time I posted the gift card someone purchased three drinks which took up nearly all I had loaded on to it.
This time id like to dm a few of you a…
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After completing a rigorous 7-hour shift on my feet, I'm gearing up for another demanding day tomorrow with a 9-hour shift! While it sounds exhausting, the fact that it's at my dad's restaurant is incredibly motivating for me.
It's hard to find people who really care about the…
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My ad revenue hit my bank account today🥳🎉🥂 what should I invest it in ?
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At what interest rate do you get tempted to look at alternatives for your HYSA?
I have no issue stashing away money near 5%, but if we get down to the 3’s I’ll look for alternatives
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Mortgage rates ticked higher again. Question for the real estate crowd or those trying to get into a house.
Do you wait for rates to come back or plan on them staying at this level? 🏡💭
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Social media seems like a great way to network and to learn but I feel we overlook the effects it has on our mental health in the process.
I’m 95% convinced I should delete all social media and only use Twitter on limited occasions as I feel it’s all frying my brain.
Is…
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Start early, do whatever it takes, just start saving and investing early
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On a recent tweet I made I received a lot of parents saying that their child is what gives them purpose in life. That’s weird in my opinion.
‘Relying solely on children for purpose can lead to high expectations and pressure on both parents and children’ as highlighted in a…
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Exciting news—I've hit the 3K follower milestone! 🎉 To celebrate, I'm donating to support financial literacy and empowerment through a Charitable Donor Advised Fund (DAF).
It's like a financial tool that lets me give flexibly to various financial education programs,…
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Wow, just discovered you can adjust notifications to only see them from followers.
No more negativity flooding my feed, here’s to not seeing hate comments anymore and having them fall on deaf ears 🥰. God bless this feature!
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Beyond finance, my true passion lies in new construction.
Growing up with my dad's construction company fueled my love for it.
Check out his current project: 24 condominiums, that I’m managing and leasing! This one is in the framed stage versus the finished look. 🏗️🏠
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Payday for many. Automate those savings, pay YOURSELF first. Don’t feel guilty spending what’s leftover once it’s all done 🤷🏻♀️
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I asked a prominent finance account about this, and it's truly disheartening to think that newcomers to the finance Twitter space might be discouraged by the negativity.
This platform is incredibly valuable, so why not maximize its potential instead of spreading unconstructive…
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I’m not sure why there is even a debate about this.
Medical costs will be one of if not your largest expense down the road.
HSA triple tax advantage, don’t use it for your co-pays right now, save and invest it.
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What sparked your interest in finance?"
As a first-generation Mexican American, like many, my parents had no clue about the stock market. Finance was a foreign language to me.
My senior year, I took a 'money management' class—so grateful for it (should be mandatory). Got my…
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Today, on this fine Tuesday, all my withdrawals hit simultaneously, every week. Currently, I manage three distinct buckets:
1. My Roth IRA
2. A high-yield account used for special occasions like birthdays and Christmas.
3. Funds designated for my future rental property, invested…
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Other than saving earlier, one lesson you wish you could tell yourself in your early 20’s?
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To show my gratitude for reaching 4k followers
I wanted to treat you to $SBUX on me🫶🏻
Pls don’t be an asshole- only get one thing 🥺
Just scan the code - I will let you know once it runs out in the comments!
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Say hi to my besties 🌸
1. 
@momtalksstock
2. 
@Theo_OOTRR
3. 
@skylarromines
4. 
@staywinningpod
5. 
@katiegetsfired
6. 
@itsehisarah
7. 
@ethanfinandfit
8. 
@LifeByteBlog
9. 
@mcuban
10. 
@MrBudgetBill
11. 
@AdultingIsEasy
12. 
@AnthonyGriz
13. 
@CJ94437647
14.…
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Not everyone wants kids, they have boogers all over their face and cost big bucks to put them in day care. But on a serious note, some people can’t have children. Be mindful when ripping on me for assuming I don’t WANT kids due to a simple question I tweeted 🫶🏻
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Hosting boyfriends parents for a dinner…what could go wrong. Salmon and a pesto pasta on the menu
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Cheer me up because I’ve been bawling my eyes out. Got into a little accident on the freeway this morning.
She’s my baby and I’m heartbroken.
Any good body shops in the metro Detroit area? Or should I go to the junk yard for parts?
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BUY LAND
it’ll likely appreciate over time
My dad has land that he rents out to a farmer - now getting an offer by a company to install solar panels.
Also, depending on location you can use it for tax benefits
You can always build more houses, you can’t build more land.…
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Monday is here. Are you putting in your weekly/monthly contributions to ensure you’re a future multi millionaire?
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Passive income. Trade options to earn a compounded ROI of 150% annually. And buy meme coins that will go up guaranteed. And remaining dump into a risk free 10% return. Generational wealth
Did I do this right?
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This is the unfair pressure I see being put on men.
Women are just as capable and should take the reins of their own finances as well and not wait to be rescued.
Men, it’s not your assigned moral duty and responsibility to take care of everyone financially. It’s also very…
Men, it’s not only your job to take care of your wife and children.
You must also take care of your mother, your grandmother, your sister, your brother. Not enable, but take care of when needed.
How the hell are you going to do that when you’re only invested in the stock…
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If you had one question for my dad what would it be?
From no english, education, or connections to a multi millionaire, my father is the definition of the American dream.
He immigrated from Mexico at 16, working tirelessly at a Denny's in California. In his early 20s, he moved to Michigan with a visa granted by the Cesar Chavez…
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Considering how to manage finances as a couple? 🤔
Why not try the hybrid approach?
Combine joint accounts for shared expenses while keeping separate accounts for personal spending.
It's the perfect balance of teamwork and financial autonomy.
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Are you surprised by this ?
Why do you think more women don’t invest?
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To all my keyboard warriors spreading negativity like confetti here’s a reminder:
Happiness is an inside job. While you're busy spreading negativity, we're out here building empires.
Keep hating from the sidelines while we enjoy in our success.
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Taxes are done! Small refund this year what should the money be put into?
Bitcoin huge run up, or stick with market at all time highs? HYSA?
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Do you auto reinvest your dividends ? Or let it build up and buy something else ?
I go the auto invest route!
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