4 Money Rules Rich People Live By

I used to feel completely clueless when it came to managing my finances. But then, I started investing in myself and my financial education.  

And now? I’m here to share all the secrets behind financial success with you! 🤓💡

I’m not here to preach about pinching every little penny, cause that’s just not our style. 

At Priceless Tay, we’re all about helping you build a strong financial foundation in a practical and actionable way.

👉 If you’re tired of feeling lost every time that paycheck hits your bank account, not knowing what to do with it to start building wealth, then this is your lucky day!

This post is all about 4 money rules wealthy people live by and how to implement them into your life.

In today’s edition:

  • Discover the 4 money rules that transformed my finances 💰
  • Mastering the Art of Protecting Your Finances from Friends’ Influence 👀
  • We will reveal this hidden factor driving Gen Z’s to overspend 😳

🤫 Let’s fill you in on the secret

📩 Weekly serving of insider tips from the wealthy & healthy take a sip.

4 Money Rules To Live By: 

Being financially savvy doesn’t mean you can’t have fun! Quite the opposite, actually–keeping those finances in check can lead to even MORE fun times! 💰  

But let’s be real, balancing finances and a social life in your 20s is not a walk in the park. With student loans, rent, insurance, and more it’s easy to put off saving and investing because it seems overwhelming. 

But finding that balance doesn’t have to be impossible or a total snooze-fest. It just takes a little bit of smarts and some practical steps that will set you up for financial success AND fun adventures along the way! 💸

The first money rule in my book? 

#1 – Live below your means – Not within them 

For many of us, this lifestyle inflation can start from failing to control spending, which can snowball into a an even bigger mess. 

But how do you know if you are living below your means? 

The first is to 👉 take inventory of your money. 

This can be as simple as grabbing a pen and jot down the deets: how much you’re earning, your essential expenses (rent, utilities, car payment), how much you’re splurging on fun stuff like shopping and going out, and most importantly much you’re saving.

One way to look at it is the 50-30-20 rule: Spend 50% of your cash on those essential needs, 30% on your fun, exciting wants, and save a solid 20% for the future.

Take a look at your math and see if you’re hitting those targets. If not, then it’s time for a little adjustment. 

#2 – Automate Everything 

👏AUTOMATE👏 as much of your financial life as humanly possible! 🤖

This isn’t rocket science, my peeps–automating things like credit card payments, car payments, savings and your investments can save you SO much hassle and headache in the long run! Plus, it helps you visualize just how much you have leftover each month for those FUN things!  

Let’s be real, nobody wants to deal with late fees or unexpected expenses that leave us in a bind. But with some sweet automation, you can sit back, relax, and let your money do the heavy lifting! 

#3 – Talk About Money More Often

I know, I know, politics seem to be the go-to topic these days, but guess what? 

Money is STILL that one taboo subject nobody seems to want to touch. 

That’s why I’m here to tell you: LET’S TALK MONEY! 🗣️💰

First things first, take a deep breath and don’t be afraid to bring up finances with your significant other, BFF, or even your barista. 😅 

Talking about money can be AWKWARD, but it needs to happen.

Remember, the longer you let financial problems linger, the worse they can get. Don’t just sweep it under the rug and hope it goes away–face it head-on and take control of your money! 

After all, money impacts almost every aspect of your life in some way or another, so don’t ignore it.

#3 – Build Up Your “Oh Sh!t Fund’“

Having an emergency fund set up is a vital step in establishing a solid financial foundation. With credit card debt lurking around every corner and inflation on the rise, not having an emergency fund can seriously set you back.  

Having an emergency fund, aka your “oh shit” fund, can actually save you from using your credit card for those unexpected expenses that seem to pop up out of nowhere. 

 👉 Here’s the deal: when budgeting your monthly spending, keep in mind that there will always be infrequent yet predictable expenses that you’ll need to take care of from time to time. Whether it’s a sudden job loss, holidays, car repairs, or even health scares, these events never occur on a set schedule. Life loves throwing curveballs, am I right? 

Planning ahead and paying for those big events is easier than you think. How? By stashing away some cash each month. And I’m not talking about breaking the bank here—just start with small amounts like $50 to $100. 

Ideally, you wanna save up 3 to 6 months’ worth of living expenses. That way, you’ll have a solid financial safety net in place. So when life inevitably throws those unexpected curveballs your way, you’ll be cool, calm, and collected. 

#4 – Invest In Your Financial Education

This stuff should be taught in schools, like, yesterday. 🤔🎓 But it’s not, and that means you gotta take the initiative, my friends. No one’s gonna care more about your money decisions than you. 

Investing in your financial education is a game-changer, and there are various avenues to explore, such as books, courses, and podcasts. Here are some of my favorite books that can serve as valuable companions on your financial education journey.


📰 In the News:

Getting rich isn’t the American Dream anymore….

It seems like spending habits are causing some friction among us young adults. 

According to a Credit Karma study, a whopping 36% of Gen Z and millennials reported having a friend who pushes them to overspend. 

The consequences? Well, it’s not pretty. These overspending friends are leading their buddies straight into the arms of debt. 

In fact, 88% of millennials and 80% of Gen Z who have these spendy pals ended up taking on debt as a result of their shenanigans. 😱 Millennials seem to be worse off, with a whopping 15% admitting to racking up $500 or more in debt because of their friends.

But why are we falling into this trap in the first place? 

Turns out, the top reasons for overspending with these friends include not wanting to feel left out (I feel you, FOMO is real), wanting to keep up with their friend’s fancy lifestyle (hello, keeping up with the Joneses), and the classic desire to please their friend. 

28% of millennials straight up admit they just don’t know how to say “no” to these persuasive spenders. 😅💸

But fear not, because we’ve got the power to take control of our financial futures and still spend time with our friends. It’s all about setting boundaries, saying “no” when it’s necessary, and finding that sweet spot between having fun and staying on track with our money goals.

🧋Taylor’s Toolkit:

How to say NO to plans that don’t align with your money goals

Let’s talk about that temptation we all know too well: FOMO

Money can be a bit awkward to talk about, but it’s SO important to talk about. Trust me on this one! 🙏 That’s why it’s crucial to set some boundaries with yourself and your friends. 

Now, if you still wanna hang out and have a blast without breaking the bank, I’ve got a few suggestions for you. Here are some low-cost hangouts to suggest. 

1️⃣ Manicure Monday? Pamper yourselves with a DIY mani sesh.

2️⃣ Boba date? Sip on some bubble tea goodness and catch up without splurging. Boba is the key to friendship! 🧋💕

3️⃣ Channel your inner Chef – Try out a new recipe from TikTok, have a good laugh, and show off your culinary skills—all while keepin’ that bank account happy. 

And remember, hanging out doesn’t have to mean spending money! 

There are plenty of ways to have a blast without emptying your pockets. Get creative, think outside the money box, and find those super cool activities that won’t drain your hard-earned dough. Your wallet will thank you! 👏

Keep the good times rollin’ without breaking the bank. You’ve got this! 💰


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Priceless Tay is where ambition meets financial finesse, and where go-getters like you come to thrive. It’s the ultimate resource inspiring the savvy go-getter to achieve their goals with confidence.

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The Best Gifts For All Types Of Girlfriends

The Best Gifts For All Types Of Girlfriends The Best Gifts For All Types Of Girlfriends Are you looking to get your girlfriend the perfect gift but are having some

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gift guide for Girlfriends / Holiday Gifts For Girlfriends

The Best Gifts For All Types Of Girlfriends

gift guide for Girlfriends / Holiday Gifts For Girlfriends
The Best Gifts For All Types Of Girlfriends

Are you looking to get your girlfriend the perfect gift but are having some trouble coming up with ideas?

Well, don’t worryᅳI’ve got you covered! We’re going to be exploring the world of girlfriend gifts today, and I have a ton of suggestions to share with you.

The best gifts for all types of girlfriends are listed here, regardless of her interests, be they tech-savvy, bookish, fitness-obsessed, or anything in between.

In this post, you will find the best gifts for all types of girlfriends.

Silk Pillowcase


If your girlfriend doesn’t have one of these silk pillowcases yet… She needs one! These pillowcases are good for your hair, skin, and sleep routine.

Jimmy Choo Perfume


If your girlfriend doesn’t like to splurge on nice things for herself – this is the perfect gift you could give her. This could be her new fav signature scent!

Half Gallon Water Bottle


If your girlfriend loves hitting the gym, these water bottles are a life changer! This water bottle even comes with unique time stamps to stay motivated and make sure she’s hitting her daily H20 intake.

Nylon Workout Set


This workout set is perfect for your girlfriend if she enjoys yoga or pilates! These sets are almost identical to the SKIMS set and come in various colors! Look no further; she will adore this set!

Exercise Band Set

I have a pair of these bands and the come in so handy at the gym or even for a home workout! They can be a great addition to any workout routine

Cute Gym Bag

Adorable Gym Bag: Nothing satisfies women more than having a unique bag for every occasion. There is a separate toiletries bag included with this cute workout bag!

DIY Casting Kit for Couples

As a token of your love, give your girlfriend this truly beautiful gift. This could be a really cute thing to do on a date night! 

Fondue Pot Set

This is a perfect addition to a movie night! Go out to the store, pick up some cheese chocolate and your girlfriend’s favorite dippers, and watch her face light up! You can also use this set tons of times!

Tile Mate

If your girlfriend is always on the go this is a perfect gift for her to keep track of all of her stuff! These things come in super handly when trying to find your key or purse! 

Toaster Lamp

This is one of the cutest little lamps ever! It can be a perfect addition to her bookshelf, home office, or nightstand. It is also battery-operated so it’s super portable to move anywhere! 

Natural Bath Bomb Set

Create a relaxing vibe for your girlfriend with these bath bombs! These are perfect for a little spa moment and they have aromatherapy benefits.

Engraved Cutting Board

An engraved cutting board would be a lovely addition to your girlfriend’s kitchen if she enjoys cooking at home. Personalize this cutting board by adding your initials or an Anniversary! These are ideal for charcuterie boards!! 

Smiley Spatula

I mean, do I need to explain this one? This Spatula could be the cutest new addition to your girlfriend’s kitchen. 

Cute Makeup Bag

If your girlfriend needs an upgrade to her makeup bag, this is the perfect one. It’s perfect for size to take on the go.

Crystal Photo

This is such a priceless gift to give to someone you love! Pick your favorite photo and get it delivered inside a unique crystal heart. 

Personalized Canvas

An incredibly original present for your girlfriend! Get your most cherished photo made and place it somewhere meaningful to preserve your best memories.

Vanity Makeup Mirror

Level up your girlfriend’s makeup routine with this nifty mirror! Perfect for doing makeup while in places where there is poor lighting!

Organic Lip Balm Package

I purchased this set for myself and strongly suggest it to anyone who is always looking for hydrated lips. There are six in the package, so it’s perfect for keeping one in your work bag, car, or beauty bag!

Natural Lip Scrub

This is the perfect gift to pair with the lip balm! It’s vegan and suitable for all skin types!

Movie Night Kit

If you and your girlfriend are movie people, she will love this movie night kit! It comes with a variety of popcorn packs and seasonings! Your next movie night would be epic! 

Fuzzy House Slippers

The cold season is approaching and if your girlfriend doesnt already have a pair of house slippers she definitely needs a pair! I wear mind every day around the house and they are so comfy!

Portable Vehicle Jump Starter with Air Compressor

Everyone needs one of these in their car! This thing has come in handly so many times for me! you can never be too prepared when on the road

Essential Oil Set

No one can have to many essential oils and thats why this set is perfect! IT comes with 20 different sects and is perfect for a at home spa day! They also work great with a diffuser!

Essential Oil Car Diffuser

These are the cutest lil car air fresheners ever! This could pair as a perfect gift with the essential oil pack above!

Personalized Puzzle

This can be such a cute date-night idea! Pick a picture you love and get it put on a puzzle for you and your girlfriend to complete together!

This post was all about the best gifts for your girlfriend.

If you liked this post, check out our other gift guides!

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