Resources for left-leaning millennial/ gen-z women to become financially literate and confident?

Seeking Advice

My (32ftm) girlfriend (32f) both come from middle class families, and are finally reaching middle class incomes ourselves 😩.

We have been together for 4 years, when we got together I was in a financially bad place. I had finished graduate school in 2020 with no job prospects and had a terrible relationship with money. I ran up some credit card debt, finally got a stable job in fall of 2021 that started as a 1099 and I didn't put aside my taxes and got into some debt with the IRS. Also in the fall of 2021 she started graduate school, she had to take out loans for tuition but her parents helped her with living expenses. We moved in at the same time she started school, she was avoidant about talking about finances and told me to wait until she finished school and was financially separated from her parents.

I was staring into a dark hole of my own doing, and I managed to pull myself up by changing my mindset with money. I raised my income from a job with no benefits paying $50k to a job paying great benefits and $69k (although I would love to make more, she also makes the same amount.) We make slightly above AMI in a HCOL area, luckily our rent is miraculously cheap, as in we pay less than 1/3 of our take home pay. My IRS debt is cleared, I refinanced my CC debt into a personal loan and it is almost paid off. In the last 7 months I payed off around 6k in debt and just bought her engagement ring although I was very anxious about it. She wanted a ring that was much above what I was planning to spend, we talked but I agreed to purchase it, for a lifetime it is a worthwhile thing to spend money. It was slightly below my monthly salary. I have been very clear with her that I won't propose until we can get our finances in order and in sync and I can trust her with money. I don't want to be controlling at all with her and tell her she can't buy things she wants. I just want her to be able to set a budget, save and have control and ease over her finances.

I still have this student loan debt I have so much guilt and grief that is looming over my head, I am currently in SAVE forbearance and used this opportunity to get in line with my other debts. I am very controlled and disciplined with my money, which sometimes she gives me grief about and annoys me. I have also been working on building my emergency savings.

We opened up the conversation last month after I got a raise and could reconfigure my budget. She was very shut down and defensive, I got her to let me go through her spending for the month and make a spreadsheet, it was bad. Nothing crazy, just clearly spending from someone who doesn't have control of their finances and she started crying.

We want to leave the city and buy a house in a few years. My parents may be able to help us with a down payment, I just opened the conversation with them and they'll talk to their financial advisor. I figured our budget will be around 350k, I think it's reasonable to save 10% and see if my parents can match. I would like to get as close to 20% as I can to avoid the additional PMI. I might set up talking with this advisor as well and starting some accounts. I made a spreadsheet for gf to show how long it would take for us to build a full emergency savings and 10% down payment in a HYSA, contributing $500/m plus an additional 4k/yr from our bi-weekly "bonus" checks. I use rocket money and a spreadsheet to budget, I'm thinking about getting monarch for the his/hers/ours approach.

Anyways, looking for advice and resources on how other millennial women changed their mindset with money from scared and avoidant to disciplined, upfront and confident? Any YouTube channels, podcasts, books, etc? Honestly, listening to Caleb Hammer audits helped change my mindset A LOT 😂 She wouldn't be very receptive to that, god forbid any f*cking Dave Ramsey shit. I don't find guilt and shame effective motivators. I've started listening to some Financial Diet videos and I like her approach and rational. I think she would be receptive to input from women with that mindset and approach to finances and the economy.

Thank you!

Posted May 4, 2025, 4:50 PM UTC

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