Female.In.Finance

Female.In.Finance 💵 Money is my sixth sense
😏 I’m DTF. Down to Finance
📈 Teaching you how to invest

08/18/2026

Part 8 is the one people side-eye me for. 😌

But here’s the thing....nobody blinks when parents put their kids in swim lessons before they can walk. 👀

Early exposure isn’t extra. It’s protection.

I spent years unlearning money beliefs I didn’t even know I’d picked up.

🎀 Little girl in finance gets a head start instead of a do-over.

The wildest part? None of this requires her to understand a single word yet.

It’s about the household she’s growing up in, not the lessons she’s sitting through.

Moms and dads and caretakers — what’s one money message from your childhood you had to unlearn as an adult?

Drop it below. 👇 (Mine involved a lot of selling my toys for money for food)

Want the full breakdown of accounts + moves I’m making for her?

💌 Comment PIGGYBANK and I’ll send you the link to get my investing guide for kids.

-Leandra

08/18/2026

A judge who has never met you, never met your family, and has no idea what you value, deciding who raises your baby?

Yeah, that was a hawwrrrd no for me.

So I had to get into the legal side of protecting her, and I won’t pretend it was a fun afternoon.

Thinking about your own death and putting it in writing is deeply uncomfortable.

I’m just not the kind of person who lets discomfort be the reason I leave my daughter unprotected.

If you have a child and no will, move it to the top of your to-do list.

Not because it’s morbid, but because it’s the most loving, clear-headed thing you can do for them. 🤍

If you want to know where I made my will, comment TRUST and I’ll DM you the link to where I made mine.

Share this with another parent you know, and follow along for Part 8!

Leandra .in.finance

08/18/2026

Nobody tells you this at the hospital. Your baby has 30 days of health insurance coverage — and then it’s on you.

Most new moms are running on no sleep, pure adrenaline, and a suspicious amount of snacks.

And nobody hands you a checklist that says “hey, by the way, add your kid to your insurance or she’s uninsured in a month.”

They just... don’t tell you.

So I made sure I knew, because I’ve had my fair share of hospital emergencies in my lifetime.

And I made sure I picked the right plan, one that would actually protect her if something serious happened.

NICU stays, emergency surgery, unexpected diagnoses in year one. These things happen to real families, and the bills without proper coverage are INSANE.

This isn’t doom and gloom.

This is just being the kind of parent who has her sh-t together before the chaos (hopefully never) hits.

Share this with every new or expecting mom you know.

That 30-day window does not wait for you to figure it out.

-Leandra

08/15/2026

💸 Comment PIGGYBANK and I’ll DM you the link to get my investing guide for kids.

What if you could invest $45k and have that money turn into multi millions? Would you be down?

Yeah, you’d be down.

If your parents helped with investing, it would make things much easier for you to get a good head start because of compound interest.

My mom didn’t invest for me, so naturally I’ve had to invest more on my own in order to have what I need in retirement.

So, I understand this doesn’t work for everyone, BUT, it doesn’t mean compound interest doesn’t work for you.

Investing $100 per month can turn into multi millions of dollars. Let me explain:

If from ages 0-18 you invest $100 per month for your child, you would have $21,600 of your own money invested in the stock market.

Assuming an 8% rate of return, your money could grow to $48k by the time your child turns 18.

Not bad. More than double your money.

Over the next 20 years, if your child then invested $100 per month on their own, they would contribute another $24k into the stock market.

Assuming an 8% rate of return, that money + your parents money from the first 18 years, could grow to $295k.

And if you stopped investing at 38, by 65 your money could grow to $2.5M.

That means with only $45,600 invested, your money could grow 54x the original invested amount all because of compound interest.

If I removed the original $21,600 from the equation, money could grow to $507k.

This is why investing as early as possible is so important. Those 18 years make 5x the difference.

What do you think of this? Is $100/month worth it for you to have $2.5M in retirement?

🔥 Comment PIGGYBANK for my investing guide for kids

-Leandra

08/13/2026

Follow me 👉🏼.in.finance for daily personal finance tips!

What if you could invest $45k and have that money turn into multi millions? Would you be down?

Yeah, you’d be down.

If your parents helped with investing, it would make things much easier for you to get a good head start because of compound interest.

My mom didn’t invest for me, so naturally I’ve had to invest more on my own in order to have what I need in retirement. So, I understand this doesn’t work for everyone, BUT, it doesn’t mean compound interest doesn’t work for you.

Investing $100 per month can turn into multi millions of dollars. Let me explain:

If from ages 0-18 you invest $100 per month for your child, you would have $21,600 of your own money invested in the stock market. Assuming an 8% rate of return, your money could grow to $48k by the time your child turns 18. Not bad. More than double your money.

Over the next 20 years, if your child then invested $100 per month on their own, they would contribute another $24k into the stock market. Assuming an 8% rate of return, that money + your parents money from the first 18 years, could grow to $295k.

And if you stopped investing at 38, by 65 your money could grow to $2.5M.

That means with only $45,600 invested, your money could grow 54x the original invested amount all because of compound interest.

If I removed the original $21,600 from the equation, money could grow to $507k.

This is why investing as early as possible is so important. Those 18 years make 5x the difference.

OkAy LeAnDrA, sO hOw dO I iNvEsT. Well, I’ll be offering a free investing webinar soon, so if you want to get on the waitlist, comment below WAITLIST and I’ll DM you!

What do you think of this? Is $100/month worth it for you to have $2.5M in retirement? Let me know in the comment lobby below 👇🏼

Talk money to me 👉🏼.in.finance

08/13/2026

The financial advice industrial complex loves selling you simple rules for complex problems 🤪

Here’s the stuff I’m tired of hearing:

💅🏼 “Your spending is more important than income” Income is literally the foundation. You can optimize spending all you want, but if you’re making $30k, you’re not budgeting your way to wealth.

💅🏼 “Never finance a car, cash only” - Cool story. By the time some people save up tens of thousands of dollars for a car, car prices can go up. If you can get decent financing terms, why drain your entire savings account?

💅🏼 “401(k)s are a scam” - Yeah, that free company match is such a ripoff. I hate when employers literally give me money for saving for retirement. Whole life insurance is a scam, not 401(k)s.

💅🏼 “Renting is a waste of money” - Tell that to anyone who’s dealt with a broken AC unit at 2am or moved cities for a better job. Renting buys flexibility and a roof over your head. Homeownership buys responsibility and property taxes (and yes, equity).

💅🏼 “That $5 latte is why you’re broke” - No, it’s not.

💅🏼 “Real estate = passive income” - Ah yes, nothing says “passive” like 3 am calls about burst pipes, dealing with problem tenants, and managing maintenance. Real estate can be great, but it’s not passive.

Context matters. Your situation matters. One-size-fits-all financial advice usually fits no one perfectly.

Sincerely,
Leandra

08/06/2026

$100 a month is how I’m paying for college before she can even hold her own bottle. 🍼🎓

A 529 plan is a tax-advantaged investment account specifically for education, and starting early is literally the whole game.

Not a college fan myself (college was whatever), but I am a fan of my daughter having options.

And the rules just got way better for these plans. If she gets a scholarship or skips college entirely, I can now roll up to $35k of unused 529 funds into a Roth IRA.

The money becomes her retirement head start instead.

Want to learn more about investment accounts for kids?

💸 Comment PIGGYBANK and I’ll DM you the link to my investing guide for kids. 💸

Save this and follow along for Part 4!

08/06/2026

A list of things that are, in fact, kinda chic 💅🏼

Saved the best for last on purpose. This is a test of your commitment.

-Leandra

08/06/2026

Autopay is my love language. Until it costs me $864 a year. 💸

Here’s the thing nobody tells you about automating your bills: it works TOO well.

You set it, you forget it, and then you just... keep paying whatever companies decide to charge you.

Your streaming subscriptions? Fine. Let them ride.

Your car insurance? Absolutely not.

Your rate isn’t fixed.

It changes based on your credit score, your driving record, and how badly other companies want your business.

Mine changed and I had no idea, because autopay was doing its job while I overpaid.

I compared my rate against 120+ insurance companies with Insurify.

Took about 5 minutes, completely free.

That’s how I found insurance for $864/yr less than what I was paying.

New rule: check your car insurance every 6 months.

🚗 Comment AUTO and I’ll DM you the exact link I used.

Worst case, peace of mind. Best case, you just found money.

-Leandra
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howtosavemoney

08/02/2026

🏠 Comment “SECRET” and I’ll DM you exactly how to get started.

Saving for a down payment felt like a finish line that kept moving.

By the time I’d have enough, years would’ve passed, and I still wouldn’t have started.

So I stopped waiting and found a different way in.

I’ve been investing in real estate through Roots () — a fund that spreads your money across hundreds of properties without you ever having to own, manage, or even think about one.

They’ve hit or exceeded their 12-15% target annual return every year since 2021, and I’m just sitting back while it works.

The part that got me? You can start with $100. Not $10,000. Not $50,000. One hundred dollars.

Real estate wealth used to feel like it was only for people who already had money. This made it feel actually accessible.

👇🏼 Comment “SECRET” below and I’ll DM you the link to start your first investment. 👇🏼

-Leandra
Investing involves risk. Returns not guaranteed.

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