The “Wait—What?” Glossary of Money Terms Every Smart Woman Needs to Know
Let’s be real — most personal finance advice is written by men for men or people who already have money.
You’re not dumb. You’re not behind. You’re just navigating a system that was never built for you babe.
So when someone says “you should max out your Roth IRA before compounding interest kicks in,” and you’re sitting there thinking,
“Um, what language is that??”
…I see you.
You’re ambitious. You’re capable. You’ve got dreams of saving, investing, paying off debt, and finally feeling free with money.
But every time you try to Google how to start, you end up 6 tabs deep, still confused, and somehow subscribed to a crypto newsletter.
The real problem?
It’s not that you’re bad with money.
It’s that the language of money was never explained in your language.
Introducing…
💖THE RICH & SMART MINI GLOSSARY💖
Think of this as the money translator your school forgot to give you.
Not boring. Not bro-y. Just clear, girl language and empowering.
💡 COMPOUND INTEREST
What it is: Money that earns more money. Interest grows on the interest.
Why it matters: It’s how your savings can snowball while you’re living your life.
Hot Girl Translation: The more you wait, the more you miss. Start small, but start now.
💳 APR (Annual Percentage Rate)
What it is: The real cost of borrowing money on a credit card or loan.
Why it matters: This is why your $50 dress ends up costing $83 if you only make the minimum payment.
Smart Shift: If you know this number, you can make choices from power, not panic.
🧾 BUDGET
What it is: A plan for where your money goes.
Why it matters: Because if you don’t tell your money where to go, it disappears.
Hot Money Twist: It’s not about restriction. It’s about intention.
That’s why I created the Hot Money Spending Tracker — it’s not a spreadsheet. It’s a strategy.
💼 NET WORTH
What it is: What you own minus what you owe.
Why it matters: It’s your financial baseline. It shows progress, even when income doesn’t change.
Your Power Move: Track this monthly. Watch it grow. Get addicted.
📈 DIVERSIFICATION
What it is: Not putting all your money eggs in one basket.
Why it matters: It’s how you protect yourself from risk and grow wealth safely.
Rich Energy Tip: This is what wealthy women do — and what we’re claiming, too.
Want to Put This Into Action?
Knowing the words is one thing.
getting in control of your money like a wealthy woman is another.
That’s where the free 7-Day Money Deep Clean comes in.
It helps you:
Actually see where your money goes
Catch your patterns without judgment
Shift into conscious, aligned spending
Start building the habits that make you rich
✨ YOUR NEXT STEP:
Download the free 7-Day Money Deep Clean and stop letting jargon (or avoidance) run your finances.
Because you’re not bad with money my love. You’re just ready to be in control of it. There’s a huge difference.
You got this.
Xo Kiki
