Welcome to The Worth Project

I’m here to help you make, save, and invest money to live a life you love.

Hi there.

If we haven’t met yet, I’m Erica. I created The Worth Project because I saw a real need for a different sort of financial advice. A site that didn’t focus on frugal joys, DIYs, and clipping coupons all day.

One that instead focused on simple advice to help smart women live their best lives.

When I went looking for help, the information I found fell into one of two camps:

  1. Budget, follow some rules, and someday when you’re old your future self will be happy.

OR

  1. Never buy a pair of shoes, live on a shoestring, and retire early so you can finally be happy – the extreme approach.

But neither fit with me. I wanted something more. I wanted:

  • Not just a set of rules, but an approach that would help me figure out how I wanted to live.
  • A place where I could get information along with inspiration, which is equally as important.
  • To know I could have a life I love now, rather than at 65.

I wanted to be happy. I wanted to live my life now, not in 30 years. And I wanted money to be a useful tool that helped me, rather than held me back.

When you want something badly enough, you find a way to solve your problem. I created a process and a healthy mindset around money that my husband and I both adopted. Though change didn’t happen overnight, it has transformed our life.

In the past few years we’ve increased our savings rate to over 40%, painlessly. It has helped us buy a home we love and buy a piece of land for a future home. It’s enabled us to move to London and travel the world. I’ve paid off my debt.

And the best part: it’s given me the freedom to pursue a career that I love.

I thought we were an anomaly. That we were the only people wanting to change how we related to money and how we used it. But when I started interviewing women weekly for my Forbes series, I realized that it wasn’t just our crazy idea.

Nearly every woman I spoke to saw money as a tool to design a life they loved. To help them get in control of their life and their future.

They chased that control because when you are in control of your money, you’re in control of your life. And for women, especially, this control is a big flippin deal. Why? Because

  • We’re paid less, which can mean we lose out on over $1 million over our career.
  • We invest less (even though we’re better at it).
  • We usually have a winding career path because though society is still working on it, we shoulder the majority of the needs at home.

But we want to have choices in our career (need to link to article). We want to love our life. We need this control today, not someday.

I soon realized that the solution to this problem isn’t that difficult. In fact, it’s simple.

When you spend smarter and make more, you can live bigger, sooner.

Why do we need to spend smarter?

I’m not a big budgeter. I don’t love it. It feels restrictive, just like a diet. Tell me that I can’t eat cookies and by the end of the afternoon I will have made my way through an entire package of Oreos.

But I also understand that lifestyle inflation and mindless spending is real and could be the thing that makes me feel stuck.

Jordan and I started with a combined automatic budget. We automatically saved 20% and then lived off the rest carefree. That was great, for a while. But we both soon started to realize that just because we could spend more, didn’t mean we should spend more.

Rather than go line by line through our budget, we decided to focus on one thing: spending on the things that made us the happiest and cutting out the rest. It was a simple shift, but one that eventually helped us to double our savings rate without feeling like we were going without.

I’m not in the corner clipping coupons or searching for the deal of the week.

In focusing so intensely on happiness, we became really clear on what we valued. I do spend money on things other financial gurus would consider wasteful but I really, truly enjoy them.

And because these things make me so happy, I have no problem saying no to the things that don’t line up with my budget.

Focusing on happiness not just with how I spend, but in how I live, I’ve naturally started to spend less (link to morning routine), which helps me live bigger, easily.

Why do we need to make more?

It’s frustrating that a majority of sites geared toward women are about finding bargains and managing the family budget down to the penny.

When I moved to London with $120k in student loans and no job, I needed to revamp my career, my money, and my life. I turned to the internet but was let down.

If I read one more article about taking surveys from home where the feature image was a woman balancing a baby in one arm and a laptop in another, I was going to lose my mind.

We don’t just need to spend smarter, we need to make more. And making more doesn’t need to mean spending 80 hours a week slaving away at a job we hate. It means upping our earning power.

It means getting paid fairly, so we don’t lose over $1 million over the course of our careers, which these women totally understand:

It means expanding our skill set inside and outside of our job (while bringing in some cash, naturally).

It means taking the money that we didn’t spend, because we’re so focused on happiness, putting it towards our goals in a simple savings or investment account.

And really, investing does not need to be difficult, scary, or intimidating. I’ll show you the best resources to make the most of your dollars, whether you take the DIY approach or need an advisor to get you there.

You work hard for your money, so now it’s time to make it work for you.

How does this help you live bigger?

If I haven’t been clear already, let me spell this out: money is an important part of how you live. It is a tool to help you live bigger, not an obstacle that stands in your way.

I finally realized that most of the financial education didn’t connect with me because what I really wanted was the big things in life. 

For me a big life isn’t buying the best new car or living in a penthouse.

A big life to me meant traveling the world (I’m at 44 countries and counting). Having the freedom to pursue other career opportunities and not necessarily chase the ones that paid the most. To buy a home that I love. And most importantly, to control my time and spend it with those I love most.

I wanted these things and I didn’t want money to hold me back from these or any other dreams that I will have in the future.

By spending smarter and making more, Jordan and I are continually creating our big life. I paid off my debt. We moved to London. We travel the world. We bought our home. We bought land. I’ve changed careers.

And we have bigger dreams for the future which include building a tiny home on said land, living in Hawaii for a year, and making the most of our time.

We feel more in control of our money and our lives than we ever have before.

The beauty of this is that you get to decide what living bigger is for you. Your goals won’t be my goals.

You might want to leave everything and live on an island in the Caribbean. You might want to have the security so you can walk away from a bad situation – a job or a relationship – whenever you need to. You may want to feel financially secure so you can spend more time with your family and spend less time worrying.

Or you just might want to be able to make choices every day based on excitement, rather than fear.

The bottom line is you can change how you think about and use your money. With the right money tools, mindset, and inspiration, the big life will never be out of reach.

With my background in finance I’ve learned a lot about money and I’m learning more as I go. Everything you’ll find on The Worth Project will be based on my experience or another member’s experience. From investing, to negotiation, to pursuing big lives, everything on here is written from first-hand experience. I want you to see it all, from the mistakes to the big wins, and the life that happens in between.

Let’s get started on making more, spending smarter, and living bigger.

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Hi there.

If we haven’t met yet, I’m Erica. I created The Worth Project because I saw a real need for a different sort of financial advice. A site that didn’t focus on frugal joys, DIYs, and clipping coupons all day.

One that instead focused on simple advice to help smart women live their best lives.

When I went looking for help, the information I found fell into one of two camps:

  1. Budget, follow some rules, and someday when you’re old your future self will be happy.

OR

  1. Never buy a pair of shoes, live on a shoestring, and retire early so you can finally be happy – the extreme approach.

But neither fit with me. I wanted something more. I wanted:

  • Not just a set of rules, but an approach that would help me figure out how I wanted to live.
  • A place where I could get information along with inspiration, which is equally as important.
  • To know I could have a life I love now, rather than at 65.

I wanted to be happy. I wanted to live my life now, not in 30 years. And I wanted money to be a useful tool that helped me, rather than held me back.

When you want something badly enough, you find a way to solve your problem. I created a process and a healthy mindset around money that my husband and I both adopted. Though change didn’t happen overnight, it has transformed our life.

In the past few years we’ve increased our savings rate to over 40%, painlessly. It has helped us buy a home we love and buy a piece of land for a future home. It’s enabled us to move to London and travel the world. I’ve paid off my debt.

And the best part: it’s given me the freedom to pursue a career that I love.

I thought we were an anomaly. That we were the only people wanting to change how we related to money and how we used it. But when I started interviewing women weekly for my Forbes series, I realized that it wasn’t just our crazy idea.

Nearly every woman I spoke to saw money as a tool to design a life they loved. To help them get in control of their life and their future.

They chased that control because when you are in control of your money, you’re in control of your life. And for women, especially, this control is a big flippin deal. Why? Because

  • We’re paid less, which can mean we lose out on over $1 million over our career.
  • We invest less (even though we’re better at it).
  • We usually have a winding career path because though society is still working on it, we shoulder the majority of the needs at home.

But we want to have choices in our career (need to link to article). We want to love our life. We need this control today, not someday.

I soon realized that the solution to this problem isn’t that difficult. In fact, it’s simple.

When you spend smarter and make more, you can live bigger, sooner.

Why do we need to spend smarter?

I’m not a big budgeter. I don’t love it. It feels restrictive, just like a diet. Tell me that I can’t eat cookies and by the end of the afternoon I will have made my way through an entire package of Oreos.

But I also understand that lifestyle inflation and mindless spending is real and could be the thing that makes me feel stuck.

Jordan and I started with a combined automatic budget. We automatically saved 20% and then lived off the rest carefree. That was great, for a while. But we both soon started to realize that just because we could spend more, didn’t mean we should spend more.

Rather than go line by line through our budget, we decided to focus on one thing: spending on the things that made us the happiest and cutting out the rest. It was a simple shift, but one that eventually helped us to double our savings rate without feeling like we were going without.

I’m not in the corner clipping coupons or searching for the deal of the week.

In focusing so intensely on happiness, we became really clear on what we valued. I do spend money on things other financial gurus would consider wasteful but I really, truly enjoy them.

And because these things make me so happy, I have no problem saying no to the things that don’t line up with my budget.

Focusing on happiness not just with how I spend, but in how I live, I’ve naturally started to spend less (link to morning routine), which helps me live bigger, easily.

 

 

 

24 Hour Money Makeover

5 Simple Steps to Live a Life You Love

 

 

Why do we need to make more?

It’s frustrating that a majority of sites geared toward women are about finding bargains and managing the family budget down to the penny.

When I moved to London with $120k in student loans and no job, I needed to revamp my career, my money, and my life. I turned to the internet but was let down.

If I read one more article about taking surveys from home where the feature image was a woman balancing a baby in one arm and a laptop in another, I was going to lose my mind.

We don’t just need to spend smarter, we need to make more. And making more doesn’t need to mean spending 80 hours a week slaving away at a job we hate. It means upping our earning power.

It means getting paid fairly, so we don’t lose over $1 million over the course of our careers, which these women totally understand:

It means expanding our skill set inside and outside of our job (while bringing in some cash, naturally).

It means taking the money that we didn’t spend, because we’re so focused on happiness, putting it towards our goals in a simple savings or investment account.

And really, investing does not need to be difficult, scary, or intimidating. I’ll show you the best resources to make the most of your dollars, whether you take the DIY approach or need an advisor to get you there.

You work hard for your money, so now it’s time to make it work for you.

How does this help you live bigger?

If I haven’t been clear already, let me spell this out: money is an important part of how you live. It is a tool to help you live bigger, not an obstacle that stands in your way.

I finally realized that most of the financial education didn’t connect with me because what I really wanted was the big things in life. 

For me a big life isn’t buying the best new car or living in a penthouse.

A big life to me meant traveling the world (I’m at 44 countries and counting). Having the freedom to pursue other career opportunities and not necessarily chase the ones that paid the most. To buy a home that I love. And most importantly, to control my time and spend it with those I love most.

I wanted these things and I didn’t want money to hold me back from these or any other dreams that I will have in the future.

By spending smarter and making more, Jordan and I are continually creating our big life. I paid off my debt. We moved to London. We travel the world. We bought our home. We bought land. I’ve changed careers.

And we have bigger dreams for the future which include building a tiny home on said land, living in Hawaii for a year, and making the most of our time.

We feel more in control of our money and our lives than we ever have before.

The beauty of this is that you get to decide what living bigger is for you. Your goals won’t be my goals.

You might want to leave everything and live on an island in the Caribbean. You might want to have the security so you can walk away from a bad situation – a job or a relationship – whenever you need to. You may want to feel financially secure so you can spend more time with your family and spend less time worrying.

Or you just might want to be able to make choices every day based on excitement, rather than fear.

The bottom line is you can change how you think about and use your money. With the right money tools, mindset, and inspiration, the big life will never be out of reach.

With my background in finance I’ve learned a lot about money and I’m learning more as I go. Everything you’ll find on The Worth Project will be based on my experience or another member’s experience. From investing, to negotiation, to pursuing big lives, everything on here is written from first-hand experience. I want you to see it all, from the mistakes to the big wins, and the life that happens in between.

Let’s get started on making more, spending smarter, and living bigger.

 

 

24 Hour Money Makeover

5 Simple Steps to Live a Life You Love

 

 

THE LATEST & GREATEST

Simple Tools We Use to Organize our 21 Accounts

I’ve received a lot of questions recently about how we organize our money and all the different bank, investment, credit card accounts we have. I’m kind of flattered that people assume I’m organized. But to be totally truthful, I am the most disorganized organized...

Don’t Set Financial Goals. Do This Instead.

I was listening to a podcast a few years ago and the host asked listeners to “reflect on your financial goals. What are they?” Maybe I was in a particularly grumpy mood that day but the snarky response in my head was, “to have enough money. Ugh, I hate that question.”...

Books To Read In 2018 To Change Your Money And Your Life

You guys. I am beyond excited to share my reading list for 2018 (and hopefully have you join in). Every year I make the vague resolve to read more. Then halfway through the year, I realize I’ve only picked up a handful of books, most of which constitute beach reads....

Our 2018 Goals

Every year I make resolutions or set goals in January. But to be honest, I have a 50/50 success rate. There have been a few years that I’ve absolutely stuck to what I’ve said I want to do (like that year I gave up bottled water). And then there are others where I’ve...

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Let’s be honest: saving for an emergency fund or for retirement can be a bit, well, boring. Maybe you don’t think so but I’m totally unenthused by those two (very important) things. But the short-term and mid-term goals? That’s where I think the fun is. Maybe it’s...

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Years ago I was out with a friend. We were having lunch and popping into some cute boutiques in San Francisco. She found a dress that she absolutely loved and wanted to get it for a wedding that summer. Rather than making the decision herself, she called and asked her...

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