“HEY, DOES THAT FIT
IN THE BUDGET?!”
You gotta get real here, dude. Why do you keep
spending money on things you KNOW you can’t
afford? STICK TO A BUDGET!!!
1
NEVER SURPASS 50%
Housing? Insurance? Car
payments? Those are
considered NEEDS. Those
should never surpass 50% of
your monthly spending.
SHOPAHOLIC?
If you’re a shopaholic or
loveeeee eating panda
express, the money you
spend on these should
never exceed 30% of your
monthly spending.
EMERGENCY FUND!
The most important part is
making sure you get money
to an emergency fund,
retirement, taking care of any
debt payments of DEATH.
That should account for 20%
of where your monthly
income goes.
YOU NEED AN
EMERGENCY FUND!
A wise, handsome, panda express loving man
once said... “Not having an emergency fund IS
AN EMERGENCY!” Stop relying on your credit
cards when unexpected expenses arise. You end up
paying this little thing called INTEREST!!!! Grow up.
Part of being an adult is being prepared.
EMERGENCY FUND
You need to save enough money
where if ALL income stopped
TODAY, you could survive for the
next 6 months just from your
emergency fund. It’s that simple
ladies and gentlemen.
DON’T HOLD A
CREDIT CARD BALANCE
I have a little test for you... Ready? Have you
ever held a credit card balance and paid interest
on it? If you answered yes, Ta-da,
you’re NOT A CREDIT CARD PERSON!
CREDIT CARD PERSON?
It is OKAY to not be a credit card
person. Knowing that about
yourself is more valuable than
what any credit card could do
for you, being that you’re not a
credit card person.
CHOP IT!
Go ahead and take your favorite
pair of scissors and
CHOP THEM UP!!!
STOP BUYING CARS
YOU CAN’T AFFORD!
Listen, if it’s safe and has 4 wheels IT’ll HAVE TO
DO!!! Stop trying to justify why you need a brand
new car, or making up some silly story about why
you deserve it.
SELL IT NOW!
If you’re tied into a crazy lease
that you can’t afford,
SELL THE CAR!
STOP DROWNING!
One of the best things you can
do for your financial future is
stop DROWNING yourself in
unnecessary car payments.
JUST SAYING...
Warren Buffett, one of the richest
men in the world drives a car
from 2001... Just saying.
DOES IT FIT?!
Stop with the financing brand
new car nonsense IF IT DOESN’T
FIT IN THE BUDGET!!!
LIVE SOMEPLACE YOU
CAN ACTUALLY AFFORD!
Why on EARTH would you live somewhere for $1,500
a month when you only make $2,000?! That is
ridiculous, but unfortunately not very uncommon.
IT AIN’T COOL
Stop living somewhere you can’t
afford just to look “cool!” You
actually look STUPID!
30%
NO MORE THAN 30%
The cost of your rent or mortgage
should be NO MORE than 30% of
your monthly income.
GROW TF UP!
Downgrade your home or
apartment, live with friends,
live with family. Your impending
financial doom DEPENDS ON IT!
Grow TF up!
STOP F*CKING
AROUND WITH WORK!!!
Is your job treating you like sh*t?
Are you barely making enough money to live?
You need to take this part of your life SERIOUSLY!
6
APPLY NEW JOB
Start applying to new jobs that
will pay you and treat you fairly,
ASAP.
POSITIVE PEOPLE
Stop hanging around BUMS and
start to surround yourself with
people that are in the spot YOU
wish to be in!!
INTERNET IS FREE
With the internet you can learn
almost ANYTHING for free. Use
this all powerful resource to get
your money up. Get to it, biatch!!!!
SCHOOL CAN BE
COOL!!!
Some people may think they’re too old to go back
and get an education after having some gap
years. WRONG WRONG WRONG. Would you
rather be unhappy in a job that you hate /
underpays you for the REST OF YOUR LIFE? Or
would you rather,go back to school for 2-4 years, get
edu-mi-cated, and start making some PAPERRRR
and be happy and financially comfortable for the
rest of your life?
GO BACK TO SCHOOL
If you feel you would benefit from
going back to school to change
the trajectory of your career or
financial life, DO IT!
8 TO 9 MONTHS
Trade schools are also a great
option to get a good paying job
in less time. Depending on the
path you could be in school for
only 8-9 months and land a great
job after that!
CONGRATS, U A BUSINESS
QUEEN AND YOU’RE
SELF EMPLOYED!
That is awesome! Congrats. Do you want to
know what is not awesome?!
Owing money to the IRS!!
THEY AIN’T PLAYING
Do not mess around when it comes
to the IRS. They ain’t playing boo!
30%
SETTING 30%
Make sure you are setting 30% of
what you make to pay those taxes,
gurrrll!
WANT TO KNOW HOW TO
DIE ON THE WALMART
FLOOR?
Pssst. Want to know how to die on the walmart
floor? Come closer... A little closer...
I can tell you how.
9
FIND A QUICK WAY
Be sure to find every quick way
to get rich. Spend money on
every new thing you hear about
that could make you rich, FAST!
CRYPTO
All of those crypto coins and new
NFT projects? Bet all of your
money on those.
THEY KNOW IT
For bonus points, make sure you
buy the crypto coins that the
16 year olds on instagram are
telling you to buy. They know
the best ones that will get you
that ferrari by NEXT WEEK!
TRADING COURSE
Buy every day trading course
you can find! It’s so easy and
VERY quick money!
*BUM BUM* THAT’S THE
NETFLIX SOUND...
Let me ask you something... Do you really need
all 9 streaming services? Now look in the mirror
and ask yourself the same question. No, no you
don’t. How about your subscription to Adult
Coloring Monthly? HUH?
10
MONEY STEALERS
Forgot about subscriptions are
one of the most common money
stealers!
CANCEL THEM!
Open up that bank or credit card
statement and get to digging. Find
those unused subscriptions and
CANCEL THEM!!!