You know it’s going to be one of those Fridays when you start your morning in bed, your laptop on your lap, and a bag of cookies and your coffee within arms reach.

Today is that kind of Friday.

The Worth Project had a great week. A ton of great new members, a lot of amazing questions, and women having real money conversations. I couldn’t be more excited.

But now I’m also fully aware of the technical limitations that we have in place. So to any of you who received duplicate emails (and lots of them): I’m sorry. This morning at 5:45 AM I saw the report they went and I have been trying to track down some technical help since then. I know a lot about money, but I know very little about this thing called the internet.

Capping off one of those Friday’s is a weekend that I’m very much looking forward to. London got snow and we’re officially snowed it. Yes, it was only a few inches but for this California girl, it was a full on blizzard. The news is calling it “The Beast From The East” since it’s blowing in from Siberia. I call it an excuse to wear pajamas and watch movies all weekend.

Since things are closed and public transportation is down it’ll be me, in front of the fire, with a huge batch of these brownies that I plan on making this weekend.

However you spend your weekend – indoors or out – I hope it’s a great one.

 

ICYMI:

Your money questions, answered. I love getting questions and I’ve been so lucky to have people email me with a lot of them. I decided to share some of them via a monthly post called “Ask Erica.” I know you’re impressed with my creativity in naming the post. This week I’m answering: how to choose a bank, recommendations for starting a retirement account, and what to do with your money when you have long-ish term goals.

Have a question? You can always hit reply and ask away.

Got debt? I wrote an article for The Everygirl this week on what I learned from paying off $120k in student loans. (hint: I learned a lot). I love that the article is in the top trending spot on the site (say what?!), but I didn’t expect to get so many questions about refinancing. I didn’t want to leave anyone hanging or searching for answers, so I created a cliff notes version to student loan refinancing. It’ll walk you through what to consider, how to know if it’s right for you, and questions to ask your potential lender so you get the best deal. If you’re going to refinance, don’t procrastinate. I calculate that I wasted over $3,000 because I procrastinated for 18 months. Sigh. Don’t be like me. Get the guide here.

Speaking of The Everygirl, they announced that they launched The Everymom! I’m so excited to share that I’ll also be writing there all about money and motherhood. Send over your questions!

Not so perfect. If you’ve been here a while you know that I openly share my mistakes (and I’ve made a lot of them). This week kicked off my first article for Cupcakes & Cashmere and we started with the 6 mistakes even smart women make with their money. It’s a good read, if I do say so myself. And if you have a request for what you’d like to see me write about in coming months, leave your request in the comments! I’ll be working with the team in the coming week to plan out future content and I want to be sure it’s what you want to read.

 

Make Me Smart: Smart-ish reads from around the internet

Just say no. With 3 weeks to go until I’m having a baby (what?), I’m feeling overwhelmed with saying “yes” to too many things. This piece from the NY Times came at just the right moment. I absolutely loved this: “when we dole out an easy yes instead of a difficult no we tend to overcommit our time, energy and finances.” If you need a reminder – or a study from Columbia – to back up why you should say no to pretty much everything, this is your weekend reading.

I showed up when others might be ashamed. I can’t summarize this speech in a way that would do it justice, but just know you need to watch it. Here’s why: “If I hadn’t been told that I was garbage, I wouldn’t have learned how to show people that I’m talented! If everyone had always laughed at all of my jokes, I wouldn’t have figured out how to be so funny! If they hadn’t told me that I was ugly, I never would’ve searched for my beauty. And if they hadn’t tried to break me down, I wouldn’t know that I’m f***ing unbreakable.” This speech is everything.

Do that shuffle. I’m a big fan of the side hustle. What’s not to love? You make more, get to explore a passion, and maybe even land yourself on a new career trajectory. But I hate how stories of side hustles fall into one of two camps: either “fill out surveys from home and make $15 a month” or “I started a side hustle and became a millionaire.” This is neither. A look at 5 real women, their side hustles, and how much money they earn per year.

“Mother told me a couple of years ago, ‘Sweetheart, settle down and marry a rich man.’ I said, ‘Mom, I am a rich man.’”

– Cher

Happy women’s history month.

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