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| | | ✅ Today's Checklist: Regain control after overspending Avoid energy vampires this holiday season Recipe of the week: Crispy Brown Butter Sage Smashed Potatoes
🤔 Trivia: What Native American nation helped develop a secret code used by the U.S. military in World War II that was never broken? Find out.
🚨 Mark your calendar: Fri 11/14 @ 9AM PT. Learn "Atlas Mode," the workflow that turns ChatGPT into your researcher, strategist, and executor. Included in your Smart Girl Society membership or with a 14-day free trial. |
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| | | | | | | Money Slip-Ups Happen. What You Do Next Is What Matters. |
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| We've all had those months. The fridge dies. The dog needs surgery. Or you just…hit a wall and wanted to feel something other than "responsible" so you went a little hard on retail therapy.
Before the guilt spiral starts, pause. You're not "bad with money", you're living life the best you can and maybe missing some financial information and simple systems. What matters most isn't the overspending itself, but what you do next and how you learn from your choices.
In this YouTube video, Tess from Wealth with Tess explains how to turn financial setbacks into systems that make you stronger and your first few steps are below:
1. Reflect before reacting.
Look at the full picture: Did this month actually push you into new debt, or slow your progress towards financial independence meaningfully? Do you still have enough for essentials? Awareness turns anxiety into information, and information is power.
2. Rebuild your margin.
Think beyond the typical "emergency fund." You need a stability fund. Enough cash to handle the unexpected without derailing your goals. Even $2,000–$3,000 can stop a credit card spiral before it starts.
3. Automate your comeback.
Set one small transfer each week toward your cushion, debt payoff, and retirement/investing (yes all 3). How much to each depends on where you are but systems are how we force discipline so your financial growth happens in the background, even when motivation fades.
4. Use this moment to realign.
What does this teach you about how your money feels? Too tight? Too reactive? Too unpredictable? Long-term what really matters? Early retirement? Time freedom? More time with your family? Use this moment as an opportunity to set big goals that help you achieve the life you actually want.
Debt payoff is important but we want you to think bigger. How can we pay off debt and get on track to building wealth that lets you live life on your terms?
The goal is to build the confidence and knowledge and systems that do that for us so we can get back to things that matter most.
That's exactly what you'll learn in Tess's next free money workshop Wealth on Autopilot: How to Automate Your Financial Life to Build Wealth (Even If You're in Debt).
Join us to learn how to: Rebuild your financial cushion with less stress Automate your money so it grows even in "bad" months Create an automated financial system that works with real life, not against it
It's time to build a system that keeps you steady, no matter what life throws your way.
👉 Save your seat here. |
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| | | | The Other 75% Is Up to You |
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| Turns out, your genetics only account for 25% of how long you live.
The rest? It's how you move, eat, rest, and (maybe most importantly), how often you check in with your body before it waves a red flag.
That's what Midi Health's AgeWell Visit is designed for. Their clinicians look at your whole health picture like hormones, cholesterol, blood sugar, inflammation, and more, then tailor your care (and supplements) around you.
No endless Googling. No shrugging off symptoms. Just real answers from clinicians who know women's health inside and out, and care plans that make sense for your stage of life.
Because prevention is the new power move.
💡 Book your virtual AgeWell Visit today (it's covered by insurance!) |
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| | | | The Real Holiday Flex? Protecting Your Peace |
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| We treat work-life balance like a trophy—something you earn once and keep forever.
But balance is a daily negotiation between what fills you up and what quietly drains you dry.
And right now? That skill matters more than ever. The holidays are coming, aka the season of too many deadlines, too many obligations, and too little time to breathe.
The problem isn't that we don't want rest. It's that we talk about unplugging, then check Slack between bites of pumpkin pie. We promise to set boundaries, then answer "just one quick email" on Christmas Eve. We crave presence but can't stop mentally drafting our January to-do list.
You can't truly unplug until you set real boundaries and protect yourself from energy vampires (see Reddit thread).
And those vampires? They're not just difficult people, they're the thoughts, habits, and notifications that chip away at your focus one ping at a time.
What Are Energy Vampires?
They drain you without giving anything back:
People vampires: The co-worker who vents but never listens. The friend who only calls when they need something. The relative who turns "small talk" into judgment.
Digital vampires: Slack channels you forgot you're in. News alerts that spike your anxiety. A "five-minute" scroll that somehow eats an hour.
Task vampires: Meetings that could've been an email. Projects you agreed to out of guilt. Holiday parties you said yes to out of habit.
Mental vampires: Replay loops of old conversations. Worrying about things you can't control. Trying to make every moment "perfect."
How to Protect Your Energy Draw real boundaries. "I don't check email after 6 PM or on weekends in December" = strong boundary. "I'll try not to" = wishful thinking. Turn off notifications. All of them. If it's urgent, they'll call. Audit your calendar. What's already draining you? Eliminate, delegate, or move it. Say no early and often. "I can't take that on right now" is a full sentence. No follow-up required. Ease into unplugging. Start with 30 device-free minutes. Then expand it. Single-task. When you're with family, be with them. When you're resting, rest. Presence is a muscle —use it. Control your exposure. Limit time with complainers. Set time limits on hard gatherings. Unsubscribe, mute, unfollow.
The holidays can be joyful and draining. You're expected to show up at work like it's Q1, show up at home like it's a Hallmark movie, and somehow recharge in between.
Reminder: you can't pour from an empty cup, and you don't need permission to refill it.
Protecting your energy isn't selfish. Setting boundaries isn't rude. Unplugging isn't lazy.
It's how you stay present enough to actually enjoy the life you're working so hard for.
So this week, start small:
One boundary.
One vampire, gone.
One moment of real presence.
Good luck! |
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| | | | Build a Healthier Business With Less Effort |
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| When you're running a small business, "wellness" usually means trying to manage a dozen things at once: payroll, insurance, social media, payments…and maybe remembering to drink water. So today, we're sharing a few tools we actually like that make your workload lighter (and your stress levels lower).
✅ Paychex — Payroll without the panic.
If payroll eats your Mondays, Paychex gives you your time back. It handles payments, taxes, onboarding, and all the behind-the-scenes compliance things most of us don't want to touch.
✅ biBERK — Insurance that doesn't make your brain hurt.
Workers comp, general liability, professional liability—biBERK makes small business insurance straightforward, affordable, and quick to set up. No giant forms. No mystery fees.
✅ Zoho — Your social media sidekick.
Zoho lets you schedule posts, track analytics, monitor engagement, and keep everything in one place. Perfect if you want a social presence without living on Instagram 24/7.
✅ Square — Payments made effortless.
Whether you're online, in-store, or on the go, Square keeps transactions simple. It's fast, intuitive, and easy for both business owners and customers.
✅ HiBob — HR that actually feels human.
For teams big or small, HiBob streamlines onboarding, performance, time off, and company culture in one clean platform. Less paperwork = more people-work.
Running a business will always require energy, but the right tools help you protect your time, your focus, and your long-term well-being. |
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| | | | | | | Stuff We're Loving This Week |
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