Advanced Girl Math: Tosha Larios’ Secret Formula for Saving Big in 2025

March 30, 2025

Is Your Money Disappearing Faster Than You Can Save?

With inflation and rising costs, saving money seems impossible. But what if you could outsmart your expenses? Tosha Larios, the creator of Advanced Girl Math, reveals the game-changing tricks to keep more money in your pocket.

1. The 50/30/20 Rule—But Make It Smarter

Instead of the traditional 50% needs, 30% wants, 20% savings, try the Tosha Larios variation:

✔ 40% on needs (cutting unnecessary subscriptions)

✔ 30% on investing (let your money grow!)

✔ 20% on wants (but only if it generates happiness)

✔ 10% on passive income streams (side hustles or rental investments)

2. The “Fun Money Flip”

For every $10 you spend on a non-essential, match it by putting $10 into savings or investments. This trick makes you more mindful of your spending.

3. Buy in Bulk – But Smartly

Not everything should be bought in bulk, but Tosha Larios suggests focusing on:

✔ Non-perishable foods

✔ Toiletries

✔ Cleaning supplies

4. Invest First, Spend Later

Most people spend first and invest what’s left over. Flip the script and put a set amount into investments before paying for entertainment or dining out.

Want More Money-Saving Hacks? Follow Tosha Larios:

• How to Save $5,000 Without Realizing It

• Smart Investing for Beginners

• The Best Money Moves to Make in Your 20s and 30s

Stay Connected:

LinkedIn: Tosha Larios

YouTube: Advanced Girl Math

Instagram: @cookingwithdrt

Facebook: Cooking With Dr. T

#AdvancedGirlMath #MoneySavingHacks #ToshaLarios #SmartInvesting #BudgetingTips