MY KIND OF RICH 

Being rich is a state of mind for average people. The term rich can refer to a variety of things, including money, material possessions, and property. My appearance is that of a rich socialite who pretends to be rich. You have to fake it until you make it real. There's nothing wrong with being delusional. Getting rich and breaking the cycle is not for everyone, but becoming your kind of rich is. It's amazing to be rich, but it's even better to be at peace of mind and able to let go. Your wealth is unique to you. Privilege will always play a factor in your path to success. Decide what you want and take the hard decisions to get there. Building wealth in your 20's is not easy. My experience as an average millennial with no rich family or connections has taught me that hard work is the only way to become successful, and pretending to be rich means always having money to spend. Dedicate time to yourself, enjoy the journey and live your state of being rich. The strategy is to be intentional with your money and saving account. 

You're wealthy stars with your mindset shifts, financial strategy, and personal development. 

1. Mindset Shift
   - Believe in Abundance: Focus on the possibilities, not limitations. Think long-term and embrace opportunities for growth.
   - Positive Money Attitude: Stop seeing money as a stressor and view it as a tool for freedom and opportunity.

2. Budget Wisely
   - Track Spending: Know where your money goes each month by creating a detailed budget.
   - Cut Unnecessary Expenses: Eliminate or reduce non-essentials (e.g., subscriptions, impulse purchases).
   -  Live Below Your Means: Keep expenses lower than your income to save more.

3. Build Savings
   - Emergency Fund: Set aside at least 3-6 months' worth of living expenses.
   - Automate Savings: Schedule automatic transfers to your savings account to stay consistent.

4. Increase Income
   - Side Hustles: Freelance, start an online store, or provide services based on your skills (e.g., writing, graphic design).
   - Ask for Raises: Regularly evaluate your worth at your job and don’t hesitate to negotiate for more.
   - Upgrade Skills: Invest in skills that are in demand, making you more marketable and allowing you to charge more.

5. Invest Early
   - Start Small: Use apps that let you invest with small amounts, like $5.
   - Diversify Investments: Look into stocks, index funds, or real estate.
   - Retirement Funds: Contribute to 401(k)s or IRAs to grow your money over time.

6. Avoid Debt Traps
   - Limit Credit Card Usage: Only use it for what you can afford to pay off each month.
   - Pay off High-Interest Debt: Focus on eliminating debts with high-interest rates as soon as possible.

 7. Network and Learn
   - Surround Yourself with Like-Minded Women: Connect with women who are focused on building wealth for support and knowledge sharing.
   - Educate Yourself: Read books on finance, attend workshops, or follow financial experts online.

 8. Mindful Consumption
   - Quality Over Quantity: Invest in things that last, even if they cost more upfront.
   - Practice Gratitude: Appreciate what you have and avoid the constant need for more to reduce impulse spending.

Final notes
Take what you need and create a plan that works for you.