Hey bestie,
Let’s be honest about what you really want:
The rich girl life. Not just the aesthetic – the actual MONEY. The financial security. The “I can afford that” freedom. The abundance mindset. The quality over quantity lifestyle.
You want to save for nice things without guilt. Invest in yourself. Travel. Build wealth. Live well. Look expensive.
But right now? You’re living paycheck to paycheck wondering how rich girls do it.
Here’s the truth: Rich girls aren’t just lucky. They make strategic money moves, have abundance mindset, and build wealth intentionally.
Most “financial advice” is either too vague (“save more!”) or too aggressive (“never buy coffee!”). Neither works.
That’s why I’m giving you 26 specific rich girl goals for 2026 – real financial strategy plus rich girl energy.
These aren’t “be richer” wishes. These are strategic, achievable actions that build actual wealth AND the rich girl lifestyle.
Pick 2-3 per month. By December 2026, you’ll have money in the bank, investments growing, and rich girl confidence while everyone else is still broke and stressed.
✨ Want the complete framework? Download my free Pinterest to Dream Life Starter Kit — it includes strategic planning for building the rich girl life you want.
Let’s make 2026 your rich girl year.
RICH GIRL GOALS FOR 2026 (1-26)
MONEY FOUNDATION GOALS (1-5)
Goal #1: Save $5,000 Emergency Fund
What success looks like: $5K in savings account, untouched
Why it matters: Rich girls have cushion, not stress
How to achieve: $420/month, automate transfers, sacrifice for 12 months
Goal #2: Track Every Dollar for 90 Days
What success looks like: Know exactly where money goes daily
Why it matters: Can’t build wealth without awareness
How to achieve: Use app (Mint, YNAB), log everything, analyze patterns
Goal #3: Eliminate One Debt Completely
What success looks like: One credit card, loan, or debt paid off fully
Why it matters: Rich girls don’t have debt draining their money
How to achieve: Smallest debt first, aggressive payments, avalanche method
Goal #4: Create Sustainable Budget (50/30/20)
What success looks like: 50% needs, 30% wants, 20% savings/debt consistently
Why it matters: Structure creates wealth
How to achieve: Calculate after-tax income, allocate strictly, adjust monthly
Goal #5: Never Overdraft Account
What success looks like: Zero overdraft fees entire year
Why it matters: Rich girls don’t pay poor taxes
How to achieve: Buffer in checking, track daily, turn off overdraft
INCOME INCREASE GOALS (6-10)
Goal #6: Negotiate 10%+ Raise
What success looks like: Salary increase at current job
Why it matters: Biggest wealth builder is earning more
How to achieve: Document wins, research market rate, ask confidently
Goal #7: Start Side Income Stream
What success looks like: $500+/month from side hustle
Why it matters: Rich girls have multiple income sources
How to achieve: Digital products, freelancing, or service based on your skills
Goal #8: Increase Rates or Prices 20%
What success looks like: If freelance/business, raise prices successfully
Why it matters: Your time is valuable, charge accordingly
How to achieve: Grandfather existing clients, new clients pay more
Goal #9: Apply to 12 Higher-Paying Jobs
What success looks like: One application monthly for better opportunities
Why it matters: Sometimes you need to leave to level up
How to achieve: Set calendar reminder, apply first of month, stay ready
Goal #10: Learn High-Income Skill
What success looks like: Skill that commands $50+/hour
Why it matters: Rich girls are valuable and know it
How to achieve: Choose one (copywriting, design, sales, coding), master it
INVESTMENT & WEALTH BUILDING GOALS (11-15)
Goal #11: Max Out Roth IRA ($7,000)
What success looks like: Full $7K contribution to Roth IRA
Why it matters: Rich girls build wealth, not just income
How to achieve: $584/month automated, start January 1st
Goal #12: Start Investing in Index Funds
What success looks like: Regular monthly investments in S&P 500 or total market
Why it matters: Compound interest builds generational wealth
How to achieve: Open brokerage (Vanguard, Fidelity), auto-invest monthly
Goal #13: Contribute to 401(k) for Full Match
What success looks like: Max employer match (free money)
Why it matters: Leaving match on table is leaving money
How to achieve: Adjust payroll contribution, get full match minimum
Goal #14: Open High-Yield Savings Account
What success looks like: Savings earning 4%+ instead of 0.01%
Why it matters: Rich girls make their money work for them
How to achieve: Research Marcus, Ally, or Wealthfront, transfer funds
Goal #15: Learn Investing Basics
What success looks like: Understand stocks, bonds, index funds, compound interest
Why it matters: Financial literacy = financial freedom
How to achieve: Read “Simple Path to Wealth,” follow r/personalfinance, educate yourself
SPENDING & LIFESTYLE GOALS (16-20)
Goal #16: Buy Quality Over Quantity
What success looks like: Fewer items, better quality, longer lasting
Why it matters: Rich girl aesthetic is expensive-looking, not expensive
How to achieve: One quality piece over three cheap ones, research before buying
Goal #17: Wait 48 Hours Before Non-Essential Purchase
What success looks like: Two-day rule for all wants
Why it matters: Impulse spending keeps you broke
How to achieve: Add to cart, wait 48 hours, still want it? Buy it.
Goal #18: Invest in Capsule Wardrobe
What success looks like: 30-50 quality neutral pieces
Why it matters: Rich girls look expensive without overspending
How to achieve: Declutter first, buy intentionally, quality fabrics
Goal #19: Upgrade One Thing to Luxury
What success looks like: Save for ONE quality luxury item (bag, coat, jewelry)
Why it matters: Rich girls have signature investment pieces
How to achieve: Save monthly, research, buy timeless classic
Goal #20: Eliminate One Subscription Monthly
What success looks like: Cut $10-50/month in unused subscriptions
Why it matters: Death by a thousand subscriptions keeps you poor
How to achieve: Audit bank statement, cancel unused, redirect to savings
MINDSET & ENERGY GOALS (21-23)
Goal #21: Practice Abundance Affirmations Daily
What success looks like: Daily affirmations about wealth and abundance
Why it matters: Rich girl mindset attracts rich girl life
How to achieve: Morning affirmations, vision board, reprogram scarcity mindset
Goal #22: Stop Saying “I Can’t Afford It”
What success looks like: Replace with “How can I afford it?” or “Not a priority”
Why it matters: Language shapes reality
How to achieve: Catch yourself, reframe, shift from scarcity to strategy
Goal #23: Surround Yourself with Financially Ambitious People
What success looks like: Friends who talk about investing, building, growing
Why it matters: You become who you surround yourself with
How to achieve: Join communities, follow finance creators, distance from broke mindset
CAREER & PROFESSIONAL GOALS (24-26)
Goal #24: Build Professional Network
What success looks like: 50+ quality LinkedIn connections, attend networking events
Why it matters: Rich girls know opportunities come through people
How to achieve: Comment on posts, reach out, coffee chats, add value
Goal #25: Document Your Professional Wins
What success looks like: Running list of accomplishments for reviews/interviews
Why it matters: Rich girls know their worth and prove it
How to achieve: Weekly wins journal, quantify impact, build case for raises
Goal #26: Live Like Money Loves You
What success looks like: Handle money with respect, gratitude, and strategy
Why it matters: This IS the goal – rich girl energy with rich girl actions
How to achieve: Organize finances, track growth, celebrate wins, stay disciplined
HOW TO ACTUALLY ACHIEVE THESE (Not Stay Broke)
Don’t try to do all 26 in January. Financial transformation requires strategy.
The Strategic Rich Girl Approach:
January (Goals 1-2): Financial foundation (start emergency fund, track spending)
February (Goals 3-4): Debt and budget (eliminate debt, create budget)
March (Goal 5): Master banking basics (no overdrafts)
April (Goals 6-7): Increase income (negotiate raise, start side hustle)
May (Goals 8-9): Income expansion (raise rates, apply to jobs)
June (Goal 10): Skill building (learn high-income skill)
July (Goals 11-12): Start investing (Roth IRA, index funds)
August (Goals 13-14): Investment expansion (401k, HYSA)
September (Goal 15): Financial education
October (Goals 16-18): Spending strategy (quality over quantity, waiting period, capsule)
November (Goals 19-20): Luxury + cuts (one luxury item, eliminate subscriptions)
December (Goals 21-26): Mindset, network, and identity mastery
Or focus on Income + Saving + Investing simultaneously.
The key: Earn more, spend intentionally, invest consistently.
THE BROKE GIRL VS. THE RICH GIRL
Broke Girl:
- Lives paycheck to paycheck
- No emergency fund
- Impulse buys cheap items
- Scared to talk about money
- “I can’t afford it” mindset
- Still broke in December
2026 Rich Girl (You):
- Has 3-6 months expenses saved
- Investing monthly
- Buys quality intentionally
- Discusses money confidently
- “How can I afford it?” mindset
- Building wealth by December
The difference? Strategy, not salary.
WHY “SAVE MORE” FAILS (And How These Won’t)
Vague money goals fail because: ❌ “Save more” – but how much? by when?
❌ No income strategy (can’t save what you don’t earn)
❌ All restriction, no abundance
❌ No tracking or accountability
❌ Shame-based, not strategy-based
These rich girl goals work because: ✅ Specific amounts and deadlines
✅ Increase income AND decrease waste
✅ Abundance mindset + practical action
✅ Built-in tracking
✅ Strategy-based wealth building
You can’t budget your way to wealth. You need to earn more, invest smarter, and spend intentionally.
THE RICH GIRL MONEY RULES
Rule 1: Pay Yourself First
Savings and investing come out first, not last.
Rule 2: Automate Everything
Rich girls don’t rely on willpower for money moves.
Rule 3: Track Obsessively
Can’t manage what you don’t measure.
Rule 4: Invest in Appreciating Assets
Education, skills, index funds – things that grow in value.
Rule 5: Quality Over Quantity Always
One $100 item that lasts > five $20 items that don’t.
Rule 6: Make Money Decisions from Abundance
Ask “Does this align with rich girl me?” not “Can I technically afford this?”
Rule 7: Your Network is Your Net Worth
Surround yourself with people who elevate your financial game.
TRACKING YOUR RICH GIRL TRANSFORMATION
Monthly Money Meetings with Yourself:
What to Track:
- Net worth (assets – liabilities)
- Savings account balance
- Investment account balance
- Income (salary + side hustle)
- Spending by category
- Progress on each goal
Quarterly Reviews:
- Which goals achieved?
- What’s working financially?
- What needs adjustment?
- Net worth growth?
Year-End Assessment:
- Compare December 2026 to January 2026
- How much wealth did you build?
- What changed about your money relationship?
The difference between December you and January you should be shocking.
THE RICH GIRL STARTER PACK
Free Upgrades:
- Track every dollar (awareness is free)
- Negotiate bills (call and ask for discounts)
- Stop buying cheap crap (use what you have)
- Learn about investing (YouTube, books, podcasts)
- Abundance affirmations (mindset shifts cost nothing)
Worth Investing In:
- High-yield savings account (better interest)
- Index fund investments (start with $100)
- One quality piece over multiple cheap ones
- Financial education (books, courses)
- Professional headshots (for career growth)
Rich Girl Mindset (Priceless):
- Money is a tool, not identity
- Wealth is built, not found
- Abundance is available to you
- Financial freedom is the goal
- You’re capable of building wealth
THE REALITY CHECK
Building wealth takes time.
Month 1-3: Feels like nothing is changing
Month 4-6: Small progress visible
Month 7-9: Momentum building
Month 10-12: Transformation undeniable
The rich girls you see? They built it over years, not months.
But the compound effect is real:
- Save $400/month = $4,800/year
- Invest $500/month at 10% = $6,000+ first year
- Side hustle $500/month = $6,000/year
- Negotiate $5K raise = $5,000/year
That’s $21,800+ difference in one year.
In 5 years? Over $100K.
That’s how rich girls are made.
START WITH GOAL #1 THIS WEEK
Don’t wait until January 1st. Start this week.
Pick Goal #1: Start your $5K emergency fund.
Open high-yield savings account today.
Transfer $50 this week.
Set up automatic $420 monthly transfer.
By January 1st when everyone’s making money resolutions, you’ll already have savings.
By December when they’ve quit, you’ll have $5K in the bank.
The rich girl life isn’t built on New Year’s Day. It’s built through strategic money moves all year long.
Your 2026 rich girl transformation starts now.
👉 Download your free Pinterest to Dream Life Starter Kit — Get the strategic framework for planning your rich girl life with financial goals, income strategy, and abundance mindset.
👉 Get the Glow Up SOS Kit ($7) — Reprogram your money mindset with rich girl affirmations for abundance, wealth, and financial confidence as you work toward these goals.
26 goals. 365 days. Wealth transformation.
Make 2026 your rich girl year.
Xo,
Chelsea Elise
