Walking into our twenties feels like we're stepping into our artificial glow of the "I'm grown, and no one can tell me nothing" phase; however, it's the decade we're prone to making the most money mistakes. What we do with our money in our twenties could also roll over into what we're doing in our 30s. And if you're not careful, your poor spending and saving habits can cost you in the long run.
Next thing you know, when you're ready to buy a home or car and they run your credit, and it looks horrible – you have no one to blame but yourself. Stepping into adulthood, we have to own our spending habits and pave the way to build financial wealth. It's never too late to change your money mistakes, but you have to be committed to following that plan instead of enabling those bad habits. Here's a list of things you may be doing now that you NEED to change ASAP.
Not having emergency funds
Over It Reaction GIFGiphyI know when we're young, we tend to think we're untouchable. Life won't shatter in our faces, but that's a false narrative; emergencies happen to all of us – despite our age. Though we may be committed to the jobs we work at, they aren't always committed to us when they have their personal quotas to meet.
So it's possible in some part of your life you can lose your job, and what happens next when you don't have the financial backing to depend on while you're job hunting? You should aim to have at least three months of living expenses saved in an emergency fund just in case that storm ever hits where you have no income and need some grace period money to get you off your feet. Start small and begin by saving $1,000 and then keep adding to it month to month until you have three months. Dave Ramsey has a great resource on how to quickly build your emergency fund. You can find that here.
Spending more than you make
nicki minaj money GIFGiphyLearning to live below your means is the top tier secret to building wealth. I know the media plays a significant role in our spending habits as we see everyone do everything, and then we sit back and question why we aren't doing that too. Don't let comparison steal your joy and mislead you into financial ruin by living above your means.
No, you don't need every cute shoes you see or to say "yes" to every vacation your friends invite you to. You have to create a financial structure that will help you thrive in the long run, not just in the present. If you want that business, house, or car, it's not going to invest in itself; it needs your disciplined spending to build it.
Living off credit cards
Season 4 Episode 6 GIF by The OfficeGiphyListen, y'all, credit cards can be life-saving when you're in a bind, and they can also ruin your life if you don't know how to manage them. According to WalletHub, Americans started the new decade last year by owing a collective $1 trillion in credit card debt. For those who have credit card debt, the weight of the financial burden can feel quite debilitating and it can sometimes be a hole that is hard for debtors to climb out of.
In fact, the more you owe on your credit cards, the harder it is to bring up your credit score, and oftentimes credit card companies do not raise your credit limit when you owe a balance. So in order to get ahead of credit card debt, pay more than the minimum payments, factoring in the interest cost to reduce the amount of credit card debt you will have and increase your credit score.
Not saving for retirement
Oprah Retirement GIF by swerkGiphyThe sooner you start investing in your 401k or other retirement accounts, the longer that money can accumulate interest and the more funds you'll have when you are ready to retire. Saving for your retirement doesn't have to start out big; you could start out at 22 years old with your first job, investing two percent of your income to retirement and increase that rate every year or every other year. So when you step into your thirties, you'll be at the healthy ratio of investing 10 to 15 percent of your income into your retirement funds.
Not diversifying your income
work working GIFGiphyMonogamy is meant for relationships, not our careers. Don't over-commit to one job because when they need to cut their budgets or just feel like you don't fit their role anymore – they'll just let you go without warning. It's always great to have a side gig or several side gigs you can jump back into if things ever go south with your main job.
Don't burn the bridges of your side gig braiding hair, flipping homes, babysitting, dog sittings, etc. If you're a great chef, still cater events when you can; if you're a jewelry designer, work on designing your own pieces and selling them in your spare time instead of only focusing on your corporate jobs design line. Bringing in more income opens doors to invest more and build generation wealth, so those little side jobs can be investing in your child's tuition or buying that condo you have your eyes on.
Not getting renter’s insurance
stressed out stress GIF by SZAGiphyIn our 20s and 30s, we're mainly focused on moving out of our parents' place and living independently in our new apartments. I didn't even know of renter's insurance until a year of living on my own. Some people may think it's pointless because what are the odds water damage or a lousy tornado will occur and ruin your place? Or the odds that someone breaks into your apartment and steals your laptop and TV? But it happens and if you stay ready, you don't have to get ready.
So now that you have the picture painted on the potential loss, that small monthly expense doesn't seem unnecessary; it becomes a no-brainer to have some sort of renter's insurance while living in your apartment. It's better to be covered just in case versus having to cover the expense of your things if they are destroyed or stolen.
Not having a financial plan when you move in with a partner
Couple Chillin GIF by Ryan TreyGiphyTesting out the waters before marriage by living together is cute and all but you and your partner need to have the heavy conversations regarding finances. Deciding who pays what bill and how much of the rent you'll contribute, and more than anything, what you both are saving towards. Openly discussing your budget and spending habits helps to hold each other accountable to work on your credit scores, pay down debts, and entertain conversations like buying a house together and investing in vacations, babies, businesses, etc.
It may be an awkward conversation initially, but it's a conversation worth having to make sure you both grow together financially. If you find that you are not on the same pages financially, it might be worth holding off on cohabitating. Additionally, it might be useful to get something down in writing that covers the both of you if the relationship ends and you want to skip the potential mess of figuring out who lives where and if the lease will be broken.
Ladies, money mistakes are going to happen one way or another. But we have to start making big money moves by adjusting how we spend our money and what we invest in. It's never too late to stop those bad habits and create new ones to open the doors to financial freedom.
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It's easy for couples to fall into a routine, going through the motions and letting their connection sit on autopilot. While comfort is natural in a long-term relationship, it’s important to remember: that what you don’t nurture, eventually fades. So, why not make 2025 the year you reset your relationship? Here’s how to start the year with a renewed bond, reigniting the spark that brought you together.
Step 1: Schedule Your Reset Meeting
The first step to hitting the reset button is a State of the Union meeting with your partner. This is your chance to take a pulse on the relationship, discuss what's working, and identify areas that need attention. It’s all about creating space to reflect, without distractions.
Grab a pen and paper (or open a shared note on your phone) and come prepared to share your top 2-3 desires for your relationship.
What do you both want to feel more of in 2025? Maybe it’s feeling more appreciated, or perhaps you want to reignite the passion you had when you first started dating. Whatever it is, get clear about it, and make sure both of you are on the same page.
This isn’t just about listing your own wants, it’s also about discussing ways to nurture each other’s needs. Relationship goals should be focused on fostering deeper intimacy, trust, and mutual respect. Use this time to check in, not only with each other but with your individual feelings and expectations. Set the foundation for a fulfilling year ahead.
Alistair Berg/Getty ImagesStep 2: Set A Date (Or Multiple!)
Having the meeting is only the first step. Now, it’s time to take action. One of the simplest ways to breathe new life into a relationship is by reintroducing consistent, intentional time spent together. For many couples, life gets busy, and date nights fall by the wayside. But dating doesn’t stop when you say "I do"—in fact, it’s even more essential.
During your reset meeting, lock in a regular date night that works for both of your schedules. This could be a weekly dinner date or an every-other-week adventure—whatever keeps things fresh. The goal is consistency. It’s easy to push date nights aside when life gets hectic, but if you set a specific date each week or month, you’re making your relationship a priority.
If you’re unsure what to do for your date nights, don’t worry! The key is creating new experiences together. This is what sparks excitement and brings you closer as a couple. Whether it’s cooking a new recipe together, trying a dance class, or exploring a nearby town, it’s about creating shared memories that build your connection.
Getty ImagesStep 3: Find an Accountability Partner
Just like you might have a personal trainer to help you crush your fitness goals, an accountability partner for your relationship can do wonders for keeping both of you on track. Consider hiring a marriage coach or therapist—someone who can meet you where you are and guide you in strengthening your relationship.
When selecting a professional, it’s important to choose someone who truly wants the best for your marriage and can provide actionable advice.
Don’t be afraid to set high standards for your relationship, and seek guidance on how to keep it thriving for the long haul. In your reset meeting, discuss your commitment to growth, and be honest about areas where you may need support.
Marriage isn’t a set-it-and-forget-it endeavor—it’s an ongoing process. Regular check-ins with a professional can help keep your relationship in tip-top shape and “divorce-proof” by addressing issues before they become insurmountable.
DMP/ Getty ImagesStep 4: Try Something New Together
Stale routines can easily make a relationship feel monotonous. Spice things up by trying something new! Couples that explore new activities and create new memories together have stronger, more fulfilling bonds.
My husband and I host one of the top luxury marriage retreats, A Weekend For Love, designed to help couples experience new things together. From couples' workshops to outdoor adventures, the retreat provides a platform to rediscover each other and reconnect on a deeper level.
The element of surprise can reignite your connection. It’s exciting, fresh, and shows your partner that you’re committed to growing together. This doesn’t have to be a huge commitment—it could be as simple as trying a new hobby or planning an impromptu weekend getaway.
Your Relationship Should Be A Priority
As you start the year with personal goals in mind, don’t forget the importance of nurturing your relationship. It’s easy to get caught up in work, fitness, and family obligations, but your bond with your partner deserves to be at the top of your list. Resetting your relationship offers an opportunity to reignite that spark and remind each other why you fell in love in the first place.
In 2025, make a commitment to prioritize your partnership, to nurture it daily, and to invest in its growth. Take time to celebrate each other’s victories, support one another’s dreams, and build a foundation of love and respect. When you start the year with a clear focus on your relationship, you’re setting it up for success.
So, before you start mapping out your new workout plan or work goals, do yourself a favor: put your relationship at the top of that list. Your love story deserves a fresh start, too.
Happy New Year, and here’s to a love-filled 2025!
Couples, if you are ready to do the work and invest in your relationship register for A Weekend For Love: Heart Retreat Feb 21-23, 2025.
Featured image by zamrznutitonovi/Getty Images
However, to my surprise, I received an email that read: “It’s with great excitement that we announce your film, Super High: A Period Piece, has been selected for the 24th Anchorage International Film Festival.” After looking at the flight distance from Atlanta to Anchorage—a solid 10 hours one way— I’d decided this would be one I wouldn’t attend.
That was until there was a follow-up email that shared that the festival was sponsoring two excursions for filmmakers: A Northern Lights Tour and A Glacier Hike.
With that, I knew I had to make the trip to the 49th state! I flew Delta, which offered the shortest layovers—just 50 minutes each way. For a more comfortable flight on the longer legs that were about six hours between my layover city and Anchorage, I upgraded to first class with an in-app discount for $256 (the regular price of a first-class ticket runs about $2,100), which was so worth it for additional space and service for the six-hour trek.
Courtesy of Bianca Lambert
"So What’s Alaska Like? Did You Have To Wear a Snowsuit? What’s the Food Like?"
These are among the major questions I’ve gotten. Anchorage reminds me less of a bustling major city and more of a small town with an easygoing feel. When I arrived, they’d just had snow a few days before, so it was cold, and the streets were slick. So, I was so happy I’d invested in a pair of snow boots. For my first few days, the locals said it was warm. Warm to them being 20s at night and mid-30s during the day.
However, by the time I left, fresh snow was on the ground, and temps were well into the single digits—and it felt like it. Oh, the sun doesn’t rise until 10:30 a.m., and it sets around 4 p.m. That was among the most challenging things to experience because I felt like I never really woke up. So, between the lack of sun and the four-hour time difference, I felt tired the whole time I was there.
As for food, I didn’t explore a ton because I was so cold. But I found two gems! First was Whiskey and Ramen. If you enjoy ramen and exceptional service, this is a must-visit. I’d make a trip back just for their Wagyu ramen and their special take on an old fashion!
And, for coffee, I thoroughly enjoyed That Feeling Co. The coffee was great, and being surrounded by plants helped to perk up my spirits.
The Northern Lights
Iceland is one of the most popular places to see the Northern Lights, so I was very excited to know that Alaska also gets to see the Aurora Borealis light show. Typically, many people visit Fairbanks to see them, but there are tours offered in Anchorage too! When prepping for the late-night tour, we’d heard that the night we were heading out to see the lights, the cloud coverage likely meant we wouldn’t be able to see them. Bummer. I know. So, we could sit the tour out or still try. But, in my mind, I was like, why would I come all the way to Alaska not to try?
So, at about 9:30 p.m., we piled into vans and headed out to chase the Northern Lights. We traveled about an hour and a half from Anchorage, and when we stepped out of the van, it was cold and pitch black. And unfortunately, after a couple of hours in the cold, those clouds in the sky never parted for us. I know that when we see the posts of people who do get to see Mother Nature do her thing, we don’t have all of the context of the science, which is Aurora Borealis.
Sometimes, the weather just doesn’t do what we earthlings would like, which can lead to disappointment. However, our guide did give a recommendation. When you book a trip to see the lights, give yourself four to five days to see them. Don’t bank on one day because, at the end of the day, this is science.
Courtesy of Bianca Lambert
Now, On to the Glacier!
Just six hours after returning from the Northern Lights tour, we were up for the glacier tour because they were back-to-back! I was exhausted and so excited. If someone had told me I’d hike on a glacier, I would have given them a mean side-eye. I mean, where on earth does one climb a glacier? Let me share a few destinations with you, just in case you want to plan an icy adventure: Switzerland, Norway, Iceland, Chile, Argentina, and Alaska.
Aside from the fact the Matanuska Glacier is 22,000 years old, it’s the largest glacier accessible by car in the United States—27 miles long and four miles wide, making it one of the easier ones to see IRL. As a girlie with generalized anxiety disorder, I get anxious about doing this kind of thing because I know that to see these world wonders is usually a mountainous trek.
This one was two hours long, one-way, up snow-capped, windy, mountainous terrain. However, my therapist always reminds me to push myself to do what scares me (as long as it’s for a reason, of course). I held my breath for the journey there and back! And white-knuckled it from time to time, too.
Courtesy of Bianca Lambert
Once we got there, we were surrounded by fresh, fluffy snow, and it was COLD! In the negative cold. I was thankful, I’d over-prepared. If you even go on a glacier tour, I recommend a few things: Balaclava, heavy-weight gloves, cashmere socks, snow boots, and lots of layers.
Here’s what I wore. My first layer was Ann Taylor leggings and a Wolford Turtleneck. Then, I layered a cashmere turtleneck and cashmere joggers. A COACH down vest, which I’d recommend anyone own just for winter, in general, because it’s SO warm! For my feet, I wore Ann Taylor cashmere socks (I love these because they’re affordable and so warm) and Adidas Adifom Superstar Winter Boot and topped all of that with a Brandon Blackwood ankle-length parka. I know BB is known for his accessories, but the brand’s outwear is truly amazing and worth the investment. After two hours on the ice, I felt great!
If you’re open to adventure travel, I highly recommend putting a glacier tour on your list of things to do. There are a few reasons. First, standing on an ice age-old massive piece of glacier was my 2024 version of touching some grass. I was reminded that I’m a speck on this spinning rock and need to spend more time grounded in that fact as I move through the world. I looked to the sky and thought of how proud my ancestors would be, even though I know they’d be telling me to get my butt home and off a dog on a glacier!
Secondly, I gained an ever-large appreciation for Mother Nature as I learned that glaciers are the world's largest reservoir of freshwater, containing around 69% of the world's freshwater. Again, another fact that helped me gain perspective. Lastly, it’s just fun and stunningly beautiful!
After this, I’m looking forward to my next cold-weather adventure! Iceland and Argentina are at the top of the list!
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Featured image courtesy of Bianca Lambert