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☆ I saved $100,000 by 25 thanks to the good financial habits my mom and dad gave me. Here are my top tricks.
▼ + stars: | 2024-04-05 | by ( Aleenah Ansari | ) www.businessinsider.com time to read: +5 min

Money gave me the freedom to leave a toxic job, travel to Europe, and launch my career as a financial advisor. When I set out to save $100,000, I was 22, living in Seattle in 2016 and making $55,000 at my first corporate job. Saving $100,000 was a combination of privilege and hard work. I felt confident I could launch a successful financial education platform and take my financial education business, "Her First $100k," full-time. I wouldn't have hit my $100,000 goal as quickly if I hadn't routinely invested in these accounts.

Persons: Tori Dunlap, Roth, there's Organizations: Service, Business Locations: Seattle, Europe, Costa Rica

☆ Influencer Tori Dunlap is spurring women to maximize their savings and invest in the stock market
▼ + stars: | 2024-03-28 | by ( Alex Harring | ) www.cnbc.com time to read: +4 min

Sarah WolfeAs Tiffany Mane read a personal finance book during her train ride to work, a woman sitting near her acknowledged that she, too, knew of the author. And there's a cyclical effect at play: Women utilize Dunlap's resources to improve their financial lives, and then share the information with others. A 2021 survey from NerdWallet showed women were less likely to be invested in the stock market than their male counterparts. "This kind of identity-focused personal finance is 100% necessary, and is the future of personal finance." In that group, members share financial wins and trade advice on topics like which banks or credit cards to use.

Persons: Sarah Wolfe, Tiffany Mane, Mane, Tori Dunlap, Dunlap, isn't, She's, Annamaria Lusardi, Lusardi Organizations: D.C, Finance, Facebook, Stanford Institute for Economic Policy Research, Global Financial Locations: Washington, York, NerdWallet

☆ Why this self-made millionaire never touches her debit card—it's 'in a drawer'
▼ + stars: | 2024-02-06 | by ( Cheyenne Devon | ) www.cnbc.com time to read: +3 min

She makes sure to pay her credit card bills in full and on time each month to avoid costly interest charges. She racks up rewardsOne of Dunlap's favorite perks of only using credit cards for payment is rewards points. It boosts her credit scoreConsistently using your credit card and paying off your bills on time can help boost your credit score, Dunlap says. Since your payment history accounts for 35% of how your credit score is calculated, making on-time payments "benefits your credit score more than any other single factor," according to Experian. How to decide if only using credit cards may work for you

Persons: Tori Dunlap's, Dunlap Organizations: New York Times, CNBC Locations: Seattle, Paris

☆ Self-made millionaire: If you love it, buy the Stanley cup—it's 'not the reason you're financially struggling'
▼ + stars: | 2024-02-03 | by ( Kamaron Mcnair | In Kamaronmcnair | ) www.cnbc.com time to read: +1 min

Fans of the tumbler have flocked to Target and other retailers to scoop up limited-edition colors and brand collaborations. Meanwhile, others wondered what the hype was all about and whether the $45 vessels were a worthy investment—especially if you're starting a collection. But self-made millionaire Tori Dunlap isn't so quickly joining the chorus of Stanley detractors. "If you love that Stanley cup and you can afford it, great. "If you want the Stanley cup, it might mean that you can't have this other thing, but that means that you should really want the Stanley cup."

Persons: millennials —, Stanley Quencher, Tori Dunlap, Stanley, Dunlap

☆ Self-made millionaire never 'scrimped on' 3 things: 'Everything else I don't care about as much'
▼ + stars: | 2024-01-31 | by ( Kamaron Mcnair | In Kamaronmcnair | ) www.cnbc.com time to read: +3 min

Throughout her come-up, though, Dunlap says some of the things she chose to spend money on were fairly consistent — even if she could have saved more by cutting back. "It means that my spending is reflecting my values and my hard-earned money is going to the things that I actually love." Fellow self-made millionaire and bestselling author Ramit Sethi calls it the "money dial" approach. It allows him to "spend extravagantly on the things I love, but cut way back mercilessly on the things I don't," he told CNBC Make It last year. "If I tell you, 'never spend money, never step foot in a restaurant,' that doesn't work, that's not sustainable, and frankly, it's not fun," she says.

Persons: Tori Dunlap, hasn't, Dunlap, TJ Maxx, She's, Ramit Sethi Organizations: New York Times, CNBC

☆ Self-made millionaire says choosing to rent instead of buying a home is 'one of the best financial decisions I ever made'
▼ + stars: | 2024-01-31 | by ( Mike Winters | ) www.cnbc.com time to read: +1 min

"One of the best financial decisions I ever made was not buying property," the 29-year-old tells CNBC Make It. That said, the author of the New York Times bestseller "Financial Feminist" almost bought a home in Seattle in her early 20s. "I was actually a day from closing on a condominium" near Seattle, says Dunlap. "I was 22 and trying to figure out my career and what my life looked like," she says. Rather than tying up much of her wealth into a single property, she grows those funds in diversified investments instead.

Persons: Tori Dunlap, Dunlap Organizations: CNBC, New York Times Locations: Seattle

☆ 'Girl math' is all over TikTok, but it 'straight-up does not work,' says self-made millionaire
▼ + stars: | 2023-08-17 | by ( Cheyenne Devon | ) www.cnbc.com time to read: +1 min

All over TikTok, "girl math" is being used to justify almost any purchase, from everyday things like $5 coffees to big-ticket items like concert tickets. While everyone's version of girl math is different, it typically involves rationalizing your spending in often illogical ways. Say you buy your daily coffee with cash, rather than your credit card — it's basically free, according to girl math. On TikTok, there are hundreds of videos tagged as "girl math," with some amassing millions of views. "That strategy straight-up does not work because it will catch up with you," Tu tells CNBC Make It.

Persons: it's, Tori Dunlap, Dunlap, Vivian Tu, you'll, I'm Organizations: CNBC

☆ Influencers share how to make money with affiliate marketing and the networks they use
▼ + stars: | 2023-07-03 | by ( Sydney Bradley | Nathan Mcalone | ) www.businessinsider.com time to read: +3 min

Those links are often affiliate marketing links that let creators earn a commission on sales. We spoke with creators about how much money they earn from influencer affiliate marketing. What is influencer affiliate marketing? Influencers often use affiliate marketing as a way to earn income outside of sponsored posts or ad revenue on videos. Here are 9 top platforms influencers used to make money from affiliate linksThere is often no minimum follower count needed to make money from affiliate marketing.

Persons: Influencers, influencers, influencer Kara Harms, it's, Tori Dunlap Organizations: what's, Social

For people of color, talking about money with a financial planner or money coach can be daunting. "If we don't talk about our money goals or wins, how can we view money as a tool?" Figure out what kind of help you're looking forFirst, ask yourself if you're looking for a financial advisor or money coach, or potentially both. Many financial advisors are fiduciaries, who are legally obligated to act in your financial interest. If that's you, find a financial advisor to help you deepen your understanding while respecting your boundaries with risk."

Persons: —, who's, I've, Jazmin Higgins, Higgins, it's, Tori Dunlap, Rich, Ramit Sethi, that's, aren't Organizations: Service, Financial

☆ How influencers make money from affiliate marketing and the networks they use
▼ + stars: | 2023-06-06 | by ( Sydney Bradley | Nathan Mcalone | ) www.businessinsider.com time to read: +3 min

Persons: Influencers, influencers, influencer Kara Harms, it's, Tori Dunlap Organizations: what's, Social

CNBC's annual Stock Draft kicked off Thursday on "Power Lunch," with candidates opting for a wide range of stocks from AI to consumer plays. Nvidia WWE wrestler Charlotte Flair bet on artificial intelligence with her first pick: Nvidia. Amazon Olympic swimmer Erica Sullivan picked Amazon, saying she likes the e-commerce giant's service and uses it regularly. General Electric Sullivan chose General Electric for her second pick. General Electric shares are higher by more than 49% in 2023.

☆ The No. 1 mistake this self-made millionaire sees first-time investors make: Your money is in 'financial purgatory’
▼ + stars: | 2023-04-25 | by ( Cheyenne Devon | ) www.cnbc.com time to read: +1 min

However, there's a common mistake she sees many beginners make: not actually investing their money. "If you just put your money into something like a Roth IRA or a 401(k), it's in financial purgatory," she says. After setting up your Roth IRA with an online broker and making contributions to the account, investors need to actually invest that money in something, such as an index fund or a target-date fund. "It's like a gift card," Dunlap explains. "You put money on a gift card and then you have to go buy things."

☆ Try this 30-day money challenge to get smarter and be more successful with your money
▼ + stars: | 2023-04-01 | by ( Emmie Martin | ) www.cnbc.com time to read: +14 min

Day 2: Find an accountability buddyYour financial goals don't mean much if you don't stick to them. This ratio represents how much of your available credit you're using at any given time. Take a look at your credit card statements for the past 12 months. There are a number of ways to check your score for $0, starting with your credit card issuer or bank, many of which offer free services to their clients. Day 16: Update your income with your credit card companyIf you've received a raise or promotion since opening your credit card, consider reporting your increased income to your lender.

☆ Blogs are a low-lift but high-reward tool for starting your own business. Two founders share tips for how to use blogs to stand out and prove credibility.
▼ + stars: | 2023-03-29 | by ( Alexandra York | ) www.businessinsider.com time to read: +4 min

They share best practices for search-engine optimization and choosing the right blog platform. "The blog is the thing that supports your mission, that continues to prove your credibility and value to people," Dunlap said. Dunlap and Curtis shared their tips for launching a blog, including leveraging search-engine optimization and choosing the right platform. Dunlap said SEO should play into every aspect of a blog post, including the browser title, post title, URL, blog copy, and image captions. "If a brand is paying me for a social-media post, I offer a sponsored blog post for an extra amount," she said.

☆ I started my company with $40 and grew it to $4 million in revenue. Here are the best business investments I made and what entrepreneurs should avoid.
▼ + stars: | 2023-02-06 | by ( Alexandra York | ) www.businessinsider.com time to read: +4 min

Tori Dunlap started her financial-advice blog with $40 and grew it to $4 million in revenue last year. She shares the most important investments for any business owner and what founders should avoid. In a conversation with Insider, Dunlap shared the most important business investments she's made and what founders should avoid. People are the most important investmentWhile I started the business on my own, outsourcing tasks and bringing people onto the team was the best investment I ever made. It can be a waste of money if you're paying for something just because other business owners do.

☆ TikTokers who thought they'd never try YouTube are embracing it as it rolls out ad-revenue sharing on short videos
▼ + stars: | 2023-02-01 | by ( Shriya Bhattacharya | Marta Biino | ) www.businessinsider.com time to read: +11 min

YouTube is set to start sharing ad revenue with Shorts creators beginning February 1. Insider spoke to 10 TikTokers about why they're creating Shorts and longform content for YouTube. YouTube announced that it would start sharing advertising revenue with creators on Shorts, which is similar to TikTok's short-video style. This year, she and her team will also start posting long-form videos in addition to Shorts on her channel. "Like Google's search engine, search on YouTube strives to surface the most relevant results according to keyword queries," a video posted on the company-owned channel YouTube Creators says.

☆ 4 reasons TikTok creators who never thought they'd try YouTube are suddenly embracing the platform
▼ + stars: | 2023-02-01 | by ( Shriya Bhattacharya | Marta Biino | ) www.businessinsider.com time to read: +11 min

Insider spoke to 10 TikTokers about why they're creating Shorts and longform content for YouTube. Then, last November, a change in the way YouTube pays creators shifted Taylor's thinking and pushed him to start posting on the platform. This year, she and her team will also start posting long-form videos in addition to Shorts on her channel. Creators are starting to fear that TikTok could get banned in the USFor some US creators, YouTube is the way to go because they worry that TikTok could be banned in the country. "Like Google's search engine, search on YouTube strives to surface the most relevant results according to keyword queries," a video posted on the company-owned channel YouTube Creators says.

☆ I launched my brand with $40 in 2016 and hit $4 million in revenue last year. Here's how to start a business with little or no money.
▼ + stars: | 2023-01-25 | by ( Alexandra York | ) www.businessinsider.com time to read: +5 min

Tori Dunlap, the founder of Her First $100K, launched a blog as a side hustle in 2016 with just $40. Six years later, her business has booked more than $4 million in annual revenue. The culmination of these efforts helped Dunlap book more than $4 million in revenue in 2022, documents viewed by Insider showed. Here's her advice for building a business with little or no money. When TikTok viewers wanted more-nuanced content than a 60-second video would allow, we invested in launching our podcast in 2021.

☆ How to cure a holiday debt hangover
▼ + stars: | 2023-01-24 | by ( Chris Taylor | ) www.reuters.com time to read: +5 min

Some call it the “holiday debt hangover,” and this year seems much worse than most. Some other worrisome findings: A quarter of people say they already regret their holiday purchases. “When people go into holiday credit-card debt, it’s not like the expenses stop there,” said Tori Dunlap, author of the new book “Financial Feminist” and founder of the site HerFirst100K.com. Think about shifting that debt over to a card where you will pay 0% for an introductory period. To figure out why you are going into holiday debt, you may have to do that hard emotional work, Dunlap said.

☆ Millennial who saved $100,000 before she turned 26 says 3 tips could help you do the same
▼ + stars: | 2023-01-16 | by ( Kamaron Mcnair | ) www.cnbc.com time to read: +3 min

Dunlap gained a following blogging about her journey to save $100,000 by the time she turned 25. Most recently, Dunlap, now 28, published her first book, "Financial Feminist," already a New York Times bestseller. Getting good with money takes practice, and you might be on a learning curveGood money management doesn't come naturally to everyone. She considers herself lucky that her parents instilled good financial habits in her from a young age, but acknowledges that not everyone has the same foundation. Identifying your values makes all the differenceBefore setting your specific money goals, you need to understand your personal values, regardless of what everyone else is doing.

☆ Raises are projected to be skimpy this year. But experts say that even in a downturn, employers want to retain and reward their top talent. Here's how to make your ask.
▼ + stars: | 2022-10-14 | by ( Rebecca Knight | Rachel Durose | ) www.businessinsider.com time to read: +7 min

Experts say that even in a shaky, flaky economy like this one, most employers are apt to retain and reward their top talent. If you're going to ask for a raise, you need a game plan. "Treat the act of asking for a promotion like a project," Sarah Doody, the founder of the job search and career accelerator company Career Strategy Lab, told Insider. So, you need to ask your boss to be compensated and titled as a manager, she said. As you make the ask, Tilia recommended not using the word, "raise," but rather, "title and pay adjustment."

☆ 4 ways to ask for a raise during economic uncertainty
▼ + stars: | 2022-09-20 | by ( Rebecca Knight | Rachel Durose | ) www.businessinsider.com time to read: +7 min

Slow growth, high inflation, and layoffs mean it's the perfect time to ask for a raise. It may seem counterintuitive, but an economic downturn means it's the perfect time to ask for a raise. Asking for a raise can also be a matter of timing and when you need to make more money. So, you need to ask your boss to be compensated and titled as a manager, she said. As you make the ask, Tilia recommended not using the word, "raise," but rather, "title and pay adjustment."

☆ Rising layoffs, high inflation, and the dreaded R-word have American workers nervous. Here's a guide to managing your career in an uncertain economy.
▼ + stars: | 2022-07-18 | by ( Rachel Durose | Catherine Henderson | Rebecca Knight | ) www.businessinsider.com time to read: +16 min

The economic news is mixed: Inflation and interest rates are high, but the job market looks solid. It's possible that the Fed manages to cool off the economy and tame inflation without causing a spike in unemployment, said Flowers. "The outlook isn't as rosy as it was," Nick Bunker, the head of economic research at the jobs platform Indeed. If the thought of an economic downturn makes you fear for your job, you're not alone. Mentor someone else in your organization — if you're relatively new on the job yourself, take a student intern under your wing.

☆ How influencers use affiliate marketing programs to make money and how much they earn
▼ + stars: | 2021-12-28 | by ( Sydney Bradley | ) www.businessinsider.com time to read: +4 min

Those links are often affiliate links that let creators earn a commission on sales. We spoke with creators about how much money they earn using affiliate marketing. Influencers often use affiliate marketing as a way to earn income outside of sponsored posts or ad revenue on videos. Here are 9 top platforms influencers used to make money from affiliate links in 2022Some influencers even text their followers with links to their favorite products as a way to drive sales. How much money do influencers make using affiliate marketing?

I keep my money in a high-yield savings account from CIT BankIf you know me at all, you know I talk incessantly about high-yield savings accounts. Your typical savings account earns you just 0.09% at your local bank — literal pennies. A high-yield savings account, on the other hand, can earn you up to 20 times more. The longer you wait to open up a high-yield savings account, the more money you lose. To make sure I'm on track to pay my quarterly taxes, I simply put aside 30-40% of my pay into my tax-designated savings account.

Organizations: Service, CIT Bank, CIT, IRS, Social Security, Medicare Locations: Wall, Silicon

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