Soft Life, Smart Money

Why self-investment is the new self-care — and how financial literacy is your feminine superpower

Jul 06, 2025

Light a candle. Take a breath. Let’s drop in.

I am just going to come right out and say it, NOTHING feels sexier to me right now than seeing my savings account, investment portfolio and credit score rising.

This week’s theme is self-investment — the kind that doesn’t just look like bubble baths and skincare hauls (though we love those too), but the kind that shows up in spreadsheets, savings accounts, and unlearning the financial fear we were never taught to navigate.

Let’s be real:
The soft life isn’t just aesthetics.
It’s not just slow mornings, clean counters, and fancy candles.
It’s also having peace of mind because your bills are paid, your budget is solid, and your money is working for you — not disappearing in the chaos of survival mode.

Financial literacy is one of the most underrated spiritual tools a woman can have.
Because when you understand how to manage your money, invest your energy wisely, and make empowered decisions — your nervous system softens.
You stop moving from urgency. You start choosing from alignment.

I used to avoid finances like they were cursed.
But now I see them as part of my sacred self-care.
And this week, I’m inviting you to see them that way, too.

✨ Unfiltered & Aligned

It all started with losing my job — and taking a major pay cut that shook my sense of security.
Then came the failed business venture that wiped out a huge chunk of my savings.
Two hits. Back to back. And suddenly, I was in full-on survival mode.

That season forced me to confront a truth I had been avoiding:
I didn’t have the kind of financial foundation I thought I did.

And let me be clear — it wasn’t just about money.
It was about control. About safety. About peace.

For two years, I lived in that fog of financial uncertainty.
Trying to make it stretch.
Trying to “trust the process.”
Trying not to fall apart while holding everything together.

Eventually, I realized: If I wanted to live a soft life — one rooted in peace, flow, and grounded feminine energy — I needed to stop avoiding money and start learning it.

So I did.

I started budgeting differently.
I rebuilt my savings slowly.
I got curious about investing.
I studied. I asked questions. I listened.
I learned how to diversify my income — not from fear, but from freedom.

And now, I see money as part of my self-love practice.
Because when I manage my finances with confidence, I create space to be soft, creative, and intentional.

There’s a narrative that wanting money or talking about it openly is “masculine.”

But I disagree.

There is nothing more feminine than being so grounded in your worth that your life — including your money — flows from intention, not desperation.

💡 The Sacred Strategy

Financial Literacy Is Self-Love: How to Begin Investing in You

If the thought of “getting your finances together” overwhelms you, you’re not alone.
We weren’t taught this.
Many of us were taught to work hard, spend cautiously, and pray it all works out.
But wealth — in all forms — starts with knowledge and small, consistent action.

💸 Beginner-Friendly Financial Tips:

Track your money without judgment.
Awareness is the first step toward control. Use apps like Cleo or even a simple notes app.
Build your "Oh Sh*t" fund.
Start with $500. Emergency savings = nervous system peace.
Automate your savings.
Even $10/week builds over time. Set it and forget it. I have a portion of my paycheck directly deposited to my Sofi Savings Account and it yields 4% interest.
Audit your spending patterns.
Know your triggers (stress, boredom, etc.) so you can plan instead of panic. I am an impulse online shopper - my rule is to leave things in the cart for a few ays and check back to see if I REALLY want the items.
Start investing slowly.
You don't need thousands to start. Just curiosity and commitment.

📱 Apps & Tools to Learn About Finances:

Cleo – Budgeting app with sass. Like a money therapist with attitude.
You Need A Budget (YNAB) – Excellent for zero-based budgeting and debt paydown.
Ellevest – Created by women, for women. Personalized investment advice.
Investopedia – A massive, easy-to-navigate library of financial education.
Her First $100K – Content, challenges, and community for money mindset and empowerment.

📈 User-Friendly Investing Apps:

Acorns – Micro-invest your spare change. Great for beginners or parents investing for their kids.
Robinhood – Clean interface for trading stocks and ETFs. Good for learning the basics.
Public – Invest and learn through community commentary. Social + finance = empowering.
Fidelity – More robust but still beginner-friendly. Great for long-term investing.
SoFi – Offers investment, budgeting, and debt management in one clean platform. ( my personal savings account banking institution)

🔮 Tarot Tea

Card of the Week: Queen of Pentacles

The Queen of Pentacles is grounded. Glowing. Self-possessed.
She reminds us that soft doesn’t mean passive — it means secure.
Rooted. Intentional. In control of her world while still nurturing it.

She’s the embodiment of wealth with warmth.

This card invites you to manage your money with grace — not guilt.

Affirmation:

“I am the steward of my energy and my abundance. I invest in myself, my future, and my peace.”

The Coven’s Corner

Financial Freedom Ritual + Prosperity Oil Recipe

Financial Freedom Ritual: Call In Abundance + Control

You’ll Need:

Green or gold candle
Coin or dollar bill
Cinnamon, basil
Pen + journal

Steps:

Light the candle. Breathe.
Hold the coin and say:

“Money is not my enemy. It is a tool I use with wisdom, softness, and strength.”

Journal:
- What does financial freedom feel like to me?
- What story am I rewriting around money?
Sprinkle herbs, visualize wealth flowing in.
Close with:

“My abundance is inevitable.”

Prosperity Oil Recipe

Carrier oil (jojoba, almond, or olive)
Cinnamon, bay leaf, orange peel, basil
Optional: drop of patchouli or clove oil

Combine ingredients in a jar, shake with intention.
Anoint your wallet, journal, pulse points, or altar.

The Sacred Slaylist

Smart is Sexy: Finance Finds for the Soft + Savvy

Finance Podcasts (That Won’t Bore You to Death):

Her First $100K – Tori Dunlap
A bold, no-BS financial podcast helping women fight the patriarchy through financial literacy.
Brown Ambition – Mandi Woodruff + Tiffany Aliche
Real talk on personal finance, career glow-ups, side hustles, and how to secure the bag without selling your soul.
The Clever Girls Know Podcast – Bola Sokunbi
Practical and relatable advice for women ready to take control of their money, from budgeting basics to long-term investing.
Journey to Launch – Jamila Souffrant
Personal finance tips and financial independence strategies from a woman of color who’s on a mission to help you design your dream life.
So Money – Farnoosh Torabi
Award-winning interviews with financial experts, entrepreneurs, and creatives on money mindset, abundance, and how to create wealth on your own terms.

Finance Books for Beginners (That Actually Make Sense):

We Should All Be Millionaires – Rachel Rodgers
A revolutionary guide to claiming wealth and power, especially for women of color.
Broke Millennial – Erin Lowry
An approachable guide to mastering money basics without guilt or confusion.
Get Good with Money – Tiffany Aliche
A 10-step plan to financial wholeness from budgeting to legacy building.
I Will Teach You to Be Rich – Ramit Sethi
Smart, slightly savage advice for building wealth without shame.
The Psychology of Money – Morgan Housel
A deep dive into the emotions and behaviors that shape how we think about money.

Finance Content Creators to Follow:

@herfirst100k – Tori Dunlap
Empowering women to take control of their financial lives through education and activism.
@thebudgetnista – Tiffany Aliche
Accessible tips for saving, building credit, and getting debt-free — with love and clarity.
@sharonloder
Calm, informative content on investing and building wealth as a form of self-trust.
@delyannethemoneycoach
Teaching women of color how to invest and retire early through financial independence.
@investwithqueenie
Beginner-friendly investing content from an Aussie perspective — inclusive, honest, and empowering.

🧿 Closing Note

Here’s the truth:
Financial freedom isn’t just about more money — it’s about more choices.
More peace.
More softness.
More power.

For too long, women have been conditioned to fear money, avoid money, or wait for someone else to manage it.
But that ends with us.

Because budgeting is self-respect.
Saving is self-trust.
And learning to invest in yourself — your knowledge, your future, your rest — is a radical act of self-love.

You don’t have to have it all figured out today.
But you do get to start.
You do get to rewrite the narrative.
You do get to choose clarity over chaos, wealth over worry, and ease over survival.

So here’s your invitation:
Start where you are.
Ask questions.
Open the app.
Read the article.
Move the $5 to a high yielding savings account.
Say the affirmation.
Call your power back.

And remember — wealth looks different for everyone.
But yours will always begin with believing you’re worthy of more.

Until next time, stay aligned, stay unfiltered, and stay sacred.
With love,
Nati

The Divine Download

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