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FIREside chat with Haley: "It is super important to create strategic money goals"

Quirk Team
FIREside chat with Haley: "It is super important to create strategic money goals"

Hi Haley! Thanks for agreeing to chat with us. Can you introduce yourself?

My name is Haley and I am the 27 year old founder of Femme Financial coaching. I started this business with the goal to help women level-up personally, professionally and financially! My coaching is tailored to you and where you are at in your life. Finance does not have to be so complicated and I help demystify big financial concepts into very manageable pieces so my clients can start feeling confident in managing everything on their own.

What personality type did you get? Did you find the results to be accurate?

I got The Optimizer! Yes, they were pretty accurate. I'm maybe not sooo detail oriented but everything else was accurate.

Haley took the Quirk Money Personality test and received the Optimizer personality type.

What inspired you to start a social media presence about personal finance? For completely new readers, what is the “tl;dr” of your brand?

I have been wanting to start this page for a long time. Covid really gave me the extra time to put thought into a brand and a target audience and get this thing going.  I wanted to make a finance page that was approachable and inspirational for those who are looking for help.

What is your relationship with personal finance? - If applicable, how has that defined your current pursuits? What changes have you made that have helped? How has it changed over time?

I have always been very interested in investing, but I didn't start for years because I was completely lost as to where to even start. So when I started learning I realized I wanted to give people the tools I so badly wish I had when I was starting out. I now personally have over 160K invested in the market and have coached well over 60 people how to take control of their money as well. I have developed a lot of confidence in my money journey and really want to give back.

What’s the worst money advice you’ve ever received?

Sell during the drop in March - I obviously did not listen hahah

What are some things that worked for you for maintaining balance and managing your spending?

Great question! I have always been frugal and been a saver so it has come naturally to me. What helps me is that I think of my spending in terms of hours worked. Like is this pair of shoes worth the 5 hours of work? Or whatever it is. Also, learning what I like to splurge on - skincare stuff & travel are my must haves so I budget for those and go cheap on things I don't care as much about such as having the latest and greatest tech products (I still have an iPhone 7 ha!)

Is there a specific financial goal you are working towards right now? What steps are you taking to achieve that goal?

I have several money goals, I think it is super important to create strategic money goals and I always go over this in my coaching sessions. Personally, I am working towards 200k net worth by January/February. I have been working hard at work and in my side hustle to get there. I'm in a sales role at work and we get quarterly bonuses if we hit certain targets so I am always trying to hit those.

What do you most enjoy spending on? Or any guilty pleasure you can share.

Yes! Facials & skincare products are my guilty pleasure. Also, travel, although I haven't been able to do much of that lately.

How often do you check your finances?

Probably every other day if not every day. Usually, because I am following the markets.

For someone who is starting completely new to personal finance, how would they get started? What specific tips would you have for newbies?

Step 1: book a session with me ;) I would say though, to start reading finance books and familiarizing yourself with basic finance topics such as - emergency fund, index funds/etfs, roth/401k, avalanche/snowball debt payoff methods. My tips for newbies is to automate as much as you can: automate your debt payments, your savings, your investments so that they are automatically taken every month and you don't have to think about them.

What’s your stack? (Accounts, credit cards, apps or other tools)

I use a lot, but my main ones are probably Vanguard for my personal investments; Marcus for my emergency savings; Chase Sapphire for my credit card; Wealthfront for my Roth etc. I track everything with Personal Capital.

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