Tosha Larios Advanced Girl Math: How to Hack Your Finances in a World of Inflation

Let’s face it: inflation is a beast. Prices seem to climb every time you blink. Gas, groceries, rent—everything's rising except for our paychecks. So, how can we survive (and thrive) in this unpredictable financial landscape? Enter *Advanced Girl Math*, where we take control of our wallets with sharp strategies and simple hacks to stay ahead of inflation, no matter what.

What Is Advanced Girl Math?

You might be wondering what "Advanced Girl Math" even means. It's not about complicated algorithms or boring spreadsheets. It’s about making smart, intentional decisions with your money using hacks that work in the real world. It’s about spending consciously, investing wisely, and maximizing every dollar like a pro. We’re flipping the narrative on finances and redefining how women handle money, one equation at a time.

Hack #1: The 50/30/20 Rule Reboot

The traditional 50/30/20 rule is a great starting point: 50% of your income goes to needs, 30% to wants, and 20% to savings. But in a world where a carton of eggs can feel like a luxury, this rule needs a glow-up. Instead, try the *Advanced Girl Math* version: 

- 45% to needs: Prioritize essentials like housing, utilities, and food.

- 25% to wants: Yes, fun money is still important, but focus on experiences or purchases that bring long-term joy.

- 30% to savings and investments: Inflation-proof your future by putting more into savings and, more importantly, investments that outpace inflation like stocks or real estate.

Hack #2: Master the Side Hustle Game

In an era of soaring living costs, one income stream isn’t enough anymore. Embrace the gig economy and pick up a side hustle that plays to your strengths. Whether it’s tutoring, freelance writing, or selling crafts on Etsy, find what works for you. The extra cash isn’t just for spending—it’s your secret weapon for saving, investing, or paying off debt.

Hack #3: Invest in Experiences that Save You Money

Not all investments are in stocks or real estate. Sometimes, investing in a skill saves you tons in the long run. Learning how to cook instead of ordering takeout, mastering DIY home repairs, or even planting a garden can save you a ridiculous amount over time. Plus, these experiences make you feel more empowered and in control.

Hack #4: Buy Bulk Like a Boss

Buying in bulk isn’t just for soccer moms with three kids. It’s a smart inflation-busting strategy. Stocking up on non-perishables, toiletries, and household items during sales can help you avoid price hikes. Pro tip: Compare prices per unit to make sure you're getting the best deal, and focus on things you know you’ll use, like cleaning supplies or pantry staples.

Hack #5: Become a Coupon Queen 👑

Digital couponing is the ultimate money-saving trick that most of us don’t take full advantage of. Apps like Rakuten, Ibotta, and Honey make it easy to save on everyday purchases. These savings might feel small at first, but they add up over time. Use that extra cash to invest or save!

Hack #6: Think Like an Investor, Not a Saver

Saving money is essential, but saving alone won’t protect you from inflation. Instead, think like an investor. Put your money in assets that grow, like stocks, bonds, or real estate. Look for opportunities in industries that tend to rise with inflation, such as energy or commodities. If investing seems intimidating, try starting small with apps like Acorns or Stash, which allow you to invest spare change.

Hack #7: Get Real with Needs vs. Wants

We all love a little retail therapy, but during times of high inflation, it’s crucial to know the difference between needs and wants. Here’s a pro tip: Every time you want to buy something, wait 24 hours. This cooling-off period helps you figure out if you *really* need that new outfit, or if you can hold off. When you save on impulse purchases, that money can go straight into your savings or investment accounts.

Hack #8: Barter & Trade—Old School Style

Sometimes, going back to basics is the smartest thing you can do. Bartering and trading with friends or family can help you save big. Whether it’s swapping childcare, clothes, or services like yard work or home repairs, you can cut down on expenses without spending a dime.

Hack #9: Stay Educated & Ahead of the Curve

Inflation is tricky, and the financial landscape is always changing. Stay ahead by constantly educating yourself. Read blogs (like this one!), listen to financial podcasts, and follow experts who share tips on investing and saving. Knowledge is power, and the more you know, the better decisions you’ll make for your financial future.

Final Thoughts: Own Your Financial Power 💪

Inflation doesn’t have to be a financial death sentence. With a little creativity, discipline, and the right mindset, you can thrive even in tough economic times. Advanced Girl Math is about taking back control—using every trick, hack, and equation at your disposal to come out on top.

Now it’s time to take action. What’s your next money move?

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Share Your Success: Have you tried any of these Advanced Girl Math hacks? Let me know in the comments or tag me on social media with your favorite ways to save and invest. #AdvancedGirlMath #InflationHacks #GirlBossMoney