Ashley and Priya get real about what it takes to feel in control of your money. They unpack why traditional budgeting rarely works, how to think about spending in terms of happiness instead of guilt, and what it means to be a true financial adult. Ashley shares insights from her 30-Day Money Cleanse and Financial Adulting, along with stories about navigating money in relationships, planning for kids, and redefining what financial readiness actually looks like.

The conversation blends practical advice with real-life honesty that’s the right kind of approachable.

Takeaways:

• How to rethink budgeting as a happiness allocation instead of a restriction
• Why understanding your (and your partner’s) money story matters more than splitting hairs over expenses
• The real costs of planning for kids—and how to know when you’re actually ready
• Simple ways to track and reflect on spending without turning it into a second job
• Participants save an average of $950 in the first month using the method outlined in Ashley’s first book, The 30-Day Money Cleanse

  
  

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Guest Bio:

Ashley Feinstein Gerstley, CFP®, is a personal finance expert, speaker, and the author of the award-winning books Financial Adulting and The 30-Day Money Cleanse. She founded The Fiscal Femme to get women wealthy and has helped thousands of people feel financially confident, achieve major financial goals, and destress their relationships with money.

Guest Links:

https://www.instagram.com/thefiscalfemme/

https://www.thefiscalfemme.com/money-club

https://www.instagram.com/howdoyouaffordthis/

30 Day Money Cleanse: https://a.co/d/dVzsbgC

Financial Adulting: https://a.co/d/bYsUqub

The Stuff Our Lawyers Want Us to Say:

Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

If you grew up trusting your parents’ financial advisor, you might assume you’re in good hands. But what if that loyalty is quietly costing you thousands?

In this episode, Priya Malani unpacks a real story of a “legacy” advisor who mismanaged a client’s trust fund for years, proof that what worked for your parents’ generation doesn’t work for today’s high earners. She breaks down how outdated investment frameworks can stall your progress, why blind trust isn’t a financial strategy, and what to look for in an advisor who actually understands your goals and lifestyle.

By the end, you’ll know exactly how to spot red flags, modernize your money strategy, and make sure your money’s growing with you, not stuck in the past.

Takeaways:

• Outdated “family” advice can quietly cost you six figures.
• Personalized planning isn’t a luxury, it’s the only way to grow wealth intentionally.
• The right advisor builds a plan around your life, not your parents’ playbook.Blind trust is not a strategy; understanding what your want your money to do is.

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The Stuff Our Lawyers Want Us to Say:

Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

If you’re making six figures but still feel like you’re spinning your wheels, you’re not alone. Too many high achievers obsess over the wrong financial details: tracking every coffee, juggling ten checking accounts, or chasing credit card points, while ignoring the big levers that actually move the needle.

In this episode, Priya Malani breaks down why ambitious 30-somethings get stuck in the weeds and how to shift your focus to the questions that truly change your financial trajectory. You’ll hear a real client story, insights from Ramit Sethi’s “$3 vs. $30,000 questions,” and Natalie Taylor’s framework for “impact-weighted work.” By the end, you’ll have a clear path to simplify your money, reduce stress, and start making progress that actually matters.

Tune Into This Episode to Hear:

• Why activity ≠ progress when it comes to your money
• The difference between $3 questions (skip Starbucks?) and $30,000 questions (negotiate your comp?)
• How “impact-weighted work” can help you stop overanalyzing and start moving forward
• A simple framework to consolidate accounts, automate, and focus on big levers like income, savings, investing, and protection

  
  

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THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that’s us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

Feeling guilty every time you spend, even when you make good money? Struggling to let yourself enjoy life now because you’re constantly worried about the future?

You might be stuck in a deprivation mindset.

In this episode, Priya unpacks the sneaky ways a deprivation mindset shows up (even in high earners), why it’s not the badge of honor you think it is, and how it’s keeping you from making progress with your money and your life.

Tune into this episode to hear:

• Why over-saving and over-restricting can backfire
• The link between deprivation and binge spending
• How to build a financial plan that actually lets you enjoy your money - guilt-free

The Bottom LineA healthy financial life isn’t about restriction, it’s about clarity. When you stop depriving yourself and start planning with intention, money becomes a tool to enjoy life, not a source of stress.

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THE STUFF OUR LAWYERS WANT US TO SAY:
Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

She’s one of the smartest (and sassiest) voices in personal finance and today she’s here to talk about money, mindset, and building a life with intention.

In this episode, Priya sits down with bestselling author and podcast host Katie Gatti Tassin, aka Money With Katie, to unpack what wealth really means, the mindset shifts that unlock financial clarity, and how we can balance ambition with self-compassion in a world that constantly tells us we’re behind.

They also get personal about what it's like to date, partner up, and build a life when you’re the one in the relationship who has your financial sht together. Whether you’re early in your wealth-building journey or already making six figures but still feeling unsure what “on track” really looks like—this conversation will leave you inspired and equipped.

Tune Into This Episode to Hear:

• Why having a plan is the turning point for most high achievers
• The emotional shift that happens when you finally start investing (spoiler: it’s not about being perfect)
• Why money and self-respect are more connected than we think
• What Katie wishes more couples understood about shared finances—and why “separate” accounts don’t always mean separate money
• The balance between acknowledging systemic barriers and reclaiming your financial agency
  

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THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

Wall Street wants you to believe that performance is everything. That the only way to “win” with your money is to beat the market, pick the next hot stock, or time things just right. But here's the truth: chasing returns is gambling. And it’s keeping you distracted from what actually builds wealth: goals-based investing.

In this episode, Priya Malani debunks the myth that return is the most important metric in investing and explains why it’s time to stop treating your portfolio like a casino. Whether you’re a spreadsheet-obsessed performance chaser or someone who feels totally confused about how to invest, this episode will show you the smarter (and less stressful) way to grow your wealth.

Tune Into This Episode to Hear:

• Why even the pros can’t consistently beat the marketand why you shouldn’t try
• The emotional and financial cost of chasing performance
• What goals-based investing is and why it actually works
• A real client story that proves you don’t need to take big risks to build big wealth
  

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THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that’s us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

We spend so much time trying to avoid fear. But what if fear was actually the fastest route to clarity and confidence with your money?

In this episode, Priya sits down with best-selling author and So Money host Farnoosh Torabi to challenge the idea that fear holds us back. Instead, they explore how fear can be a powerful guide in your financial life—especially when you're facing a big decision, having hard conversations with your partner, or questioning whether you're doing "enough."

Farnoosh shares stories from her own career and personal life, offers a reframe on fear that actually feels empowering, and gives tactical advice for using fear to make better, more aligned money decisions. If you’ve ever felt stuck or scared to take the next step, this one’s for you.

Tune into this episode to hear:

• How fear can be a financial superpower when you stop running from it
• What to do when you're scared to make a big money move
• The hidden link between fear of rejection and your relationship with money
• Farnoosh’s favorite strategy for making peace with uncertainty
  

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THE STUFF OUR LAWYERS WANT US TO SAY:Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There… we said it.

We don’t talk enough about how your partner’s income impacts your future. Not because you’re shallow, but because you’re ambitious.

In this episode, Priya Malani unpacks the emotional and financial weight that income differences can bring into a relationship, especially for high-achieving 30-somethings. From carrying the financial momentum to feeling unsupported or unable to take risks, she makes the case that talking about money with your partner isn’t transactional. It’s essential.

Whether you’re dating, engaged, or deep into a long-term partnership, this conversation will help you reframe the way you think about compatibility, ambition, and financial alignment.

Tune into this episode to hear:

• Why “I make enough for both of us” isn’t a long-term strategy
• The subtle resentment that builds when one person carries the financial load
• Key questions to ask yourself (and your partner) to avoid future friction
• Why financial intentionality, not income equality, is the goal
  

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THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There… we said it.

What if your six-figure income, Roth IRA, and decent savings still aren’t giving you the clarity you want with your money?

In this episode, Priya speaks directly to the high earners who are “winging it well” (doing fine on paper, but feeling low-key uncertain under the surface). She explains why traditional financial advice (like risk tolerance questionnaires and chasing market returns) misses the mark, and how goals-based financial planning changes everything.

You’ll hear why having a financial plan isn’t about restrictions. It’s about freedom: like knowing you can drop $20K on a Maldives trip and still retire early. Or confidently skipping a concert, knowing your money’s already doing what it’s supposed to.

If you’ve ever thought, “I make good money, I just don’t know if I’m doing the right things with it,” this episode will feel like a wake-up call and a relief all at once.

Tune into this episode to hear:

• Why traditional advisors still ask the wrong first question
• What to do after you've been “winging it” successfully
• How goals-based planning changes your relationship with money
• The emotional freedom that comes from knowing what “on track” looks like
  

Follow Priya Malani: LinkedIn | Instagram | YouTube | Stash Wealth

THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

If you've ever looked at a startup job offer and thought, “This sounds exciting… but what does any of this actually mean?”, this episode is for you. 

Priya sits down with fintech veteran and former VC partner Liran Amrany to demystify startup equity. Together, they break down what you're being offered (ISOs, NSOs, RSUs, and more), how to evaluate the value of equity compensation, and the lifestyle tradeoffs that come with betting on a startup.

Whether you're negotiating an offer or just want to understand how startup equity works, this episode gives you the tools and questions to confidently navigate it all.
Takeaways

• What all those acronyms in your offer letter mean (ISOs, NSOs, RSUs, etc.)
• How to ask smart questions about valuation, cap tables, and strike prices
• The tradeoffs between cash comp and equity—and how to make that decision
• Why “You have 90 days to exercise” is a big deal
• How to make startup equity enhance your financial plan; not be your only plan
  

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THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There… we said it.

You’ve probably wondered if AI can handle your finances. After all, it’s fast, smart, and knows how to crunch the numbers.

But here’s the problem: money is personal, and algorithms don’t do personal.

In this episode of The F. Word, Priya explains why your financial plan needs more than a robo-advisor and a risk slider. From navigating money baggage to prioritizing complex goals like home buying, IVF, or a sabbatical, AI might be able to generate answers - but it doesn’t ask the right questions.

You’ll hear real examples from clients who used AI tools but still felt lost and how human advice helped them get clarity and actually move forward. Plus, a breakdown of where AI can be helpful and where it fails, especially if you’re earning six figures and want your money to feel as good as it looks on paper. If you’ve ever felt like you’re doing everything “right” but still not making progress, this one’s for you.

Tune Into This Episode to Hear:

• Why AI can build a smart plan, but not YOUR plan
• What robo-advisors consistently get wrong for high earners
• How human advice helps you change your habits and follow through
• What financial planning should actually feel like when it’s working
  

Follow Priya Malani: LinkedIn | Instagram | YouTube | Stash Wealth

THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that’s us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

Your 30s aren't just another chapter, they're the turning point. This decade is when the most important financial decisions of your life are made, from who you choose as a partner to how you handle big expenses like kids, career pivots, or real estate. It’s also when your money habits either set you up for long-term wealth… or quietly sabotage it.

In this episode, Priya breaks down why your 30s matter so much and how to take control now before lifestyle creep, outdated budgeting strategies, or relationship mismatches get in your way.

She also shares how couples can avoid building resentment over money (hint: you’ve got to stop making trade-offs based on vibes), why oversaving can be just as problematic as overspending, and the one mindset shift that will make your plan stick.

Tune Into This Episode to Hear:

• The massive impact your partner has on your financial future—and how to get aligned now
• Why your 30s are your financial fork in the road (and how to avoid costly detours)
• The hidden risks of oversaving in retirement accounts and emergency funds
• How to stop “winging it” and start using your money to build the life you actually want

Follow Priya Malani: LinkedIn | Instagram | YouTube | Stash Wealth

THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There… we said it.

If your summer was full of unforgettable memories, but your credit card statement is now giving you anxiety, you’re not alone. In this episode, Priya walks you through how to recover from the summer-spending hangover without guilt, restriction, or financial punishment. She breaks down how to reset using your magic number, why most people don’t actually plan for seasonal spending, and how to bounce back with clarity, not shame. Plus, how your goals can help you say no with purpose and yes with intention.

Tune Into This Episode to Hear:

• Why even high earners can feel broke in the summer (hint: weddings, group trips, and rooftop dinners)
• The difference between a reset and a punishment—and how to know the difference
• What your magic number is and how it can save you from lifestyle creep
• Easy, guilt-free ways to pause or adjust savings without derailing your plan
• A reminder that FOMO disappears when you're crystal clear on your goals

Follow Priya Malani: LinkedIn | Instagram | YouTube | Stash Wealth

THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that’s us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

Think you’re bad with money? You’re not. You’ve just never had a system that works. In this episode of The F Word, Priya Malani breaks down why traditional budgeting is broken—and introduces reverse budgeting, a system that actually helps high earners get ahead. If you’re making six figures and still wondering where your money goes, this episode is your wake-up call. Whether you're tired of second-guessing your spending or just want to feel like you finally have something to show for your paycheck, this episode will help you ditch the budget and take control. For real.

Tune Into This Episode to Hear:

• Why traditional budgets are designed to fail
• How reverse budgeting helps you prioritize what you care about
• What your “magic number” is (and how to find yours)
• How to spend guilt-free without sacrificing your bigger goals
• Why feeling “behind” isn’t a reflection of your success—it’s a lack of a plan

Follow Priya Malani: LinkedIn | Instagram | YouTube | Stash Wealth

THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

Think financial planning is just about retirement accounts and cutting back? Think again. In this episode, Priya pulls back the curtain on what today’s high earners are really planning for and, spoiler alert, it’s not just a down payment and 401(k).

From a post-breakup glow-up fund to a Dutch hot tub to sending your parents on a cruise, this is financial planning that actually reflects your real life and real values. Priya explains how to align your money with your priorities so you can stop winging it and start living a little (or a lot).

Tune Into This Episode to Hear:

• Why even people making $500K/year feel like they don’t have enough
• The most common short- and mid-term goals clients are planning for (besides retirement)
• Why financial planning isn’t about restriction, it’s about freedom
• Why putting a plan in place actually gives you permission to want more

Follow Priya Malani: LinkedIn | Instagram | YouTube | Stash Wealth

THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that’s us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

You’ve got the job. The income. The apartment. Maybe even the mortgage. So why do you still feel behind?

In this episode of The F Word, Priya unpacks one of the most common—and confusing—feelings shared by high earners: the nagging sense that no matter how much you make, it's still not enough. If you’ve ever caught yourself thinking, “I make too much money to feel this out of control,” you are not alone.

Spoiler: You’re not bad with money. You’ve just never been taught how to manage it with intention. But that changes now.

Tune Into This Episode to Hear:

• Why your six-figure income won’t solve your financial anxiety without a strategy
• Common signs you're winging it financially (and how to take back control)
• The surprising difference between “feeling behind” and actually being behind
• How to build a financial system that supports your version of success
  

Follow Priya Malani: LinkedIn | Instagram | YouTube | Stash Wealth

THE STUFF OUR LAWYERS WANT US TO SAY:Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

Getting laid off can feel like the rug’s been pulled out from under you. Whether you’re in it now or just want to be prepared; this episode is here to help you navigate the financial side of a layoff with clarity, calm, and confidence.

Priya Malani shares the steps to take right away, how to assess your runway, and ways to make this moment a powerful reset instead of a setback. If you've been hearing phrases like “restructure” or “budget realignment” at work, or you're already navigating a job transition, this is the episode to press play on.

Tune Into This Episode to Hear:

• What to do before you officially part ways with your employer
• How to get clear on your runway and take stock of your financial options
• Why using your emergency fund is not a failure—it’s the plan
• Ways this unexpected pause could become an opportunity to realign your career and goals
  

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THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that’s us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

Think budgeting is the answer to your financial stress? Think again. If you're crushing it in your career but still whispering “I don’t know what the f*ck I’m doing” when it comes to money—you’re not alone. And you’re not behind.

In this episode, Priya Malani walks you through what actually moves the needle when you're starting from scratch with your finances. No budgeting apps, no shame—just a real conversation about where to begin, what to avoid, and how to start building wealth without feeling like you’re giving up your lifestyle.

Whether you’re sitting on savings but carrying credit card debt, or feeling stuck watching your friends buy homes while you scroll Zillow in sweatpants, this episode gives you the reset you need.

Tune Into This Episode to Hear:

• Why awareness, not budgeting, is the real first step to building wealth
• The debt mistake that could be costing you thousands (and how to fix it)
• How to use reverse budgeting to save for the life you want, not the life you’re told to want
• What to do if you’ve got a great income but feel like you’re treading water financially

Follow Priya Malani: LinkedIn | Instagram | YouTube | Stash Wealth

THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that’s us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

If the stock market makes you break into hives, or worse, makes you feel like you should understand candlestick charts or pick the “right” stock—you’re not alone. But investing isn’t gambling. And it doesn’t have to be overwhelming.

In this episode, Priya breaks down the only three things you actually need to know to start investing with confidence. No CNBC. No stock tips. Just a clear, simple framework to help your money grow for the goals that matter most.

Whether you're stashing for retirement, a dream home, or your mid-life sabbatical, this episode will leave you thinking, “Wait…that’s it?! I can do this.”

Tune Into This Episode to Hear:

• Why picking the right stock is not the goal—and why that’s great news
• The Fidelity study that proves doing less with your portfolio often earns you more
• How to match your investment strategy to your timeline (and avoid rookie mistakes with your down payment)
• The real risk most people are taking without realizing it

Follow Priya Malani: LinkedIn | Instagram | YouTube | Stash Wealth

THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that’s us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

Forget budgeting apps and color-coded spreadsheets—there’s a better way to manage your money. In this episode of The F. Word, Priya Malani breaks down the one financial strategy that actually helps high earners spend guilt-free: the magic number. Learn how this simple but powerful system puts your savings on autopilot, eliminates decision fatigue, and finally gives your money a purpose. If you've ever felt like you're doing “girl math” just to justify your Uber Eats order, this episode is for you.

Tune Into This Episode to Hear:

• Why traditional budgeting doesn’t work for high earners (and never did)
• How to calculate your “magic number” (the amount you can spend guilt-free each month)
• Why automating your savings first is the key to avoiding lifestyle creep
• How to stop over-saving, over-thinking, and finally enjoy your money

  
  

Follow Priya Malani:

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THE STUFF OUR LAWYERS WANT US TO SAY: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.