So the economy’s in shambles. Again. Prices are up, vibes are down, and whether you’re watching the news or your bank account, it’s clear: the girlies are being tested. But just because the economy is tanking doesn’t mean your money moves have to suffer. In fact, this might be your glow-up era in disguise.
Here are 10 smart, strategic, and boss-level things you can do right now to come up financially—even when the economy is giving dumpster fire.
1. Snatch Up Stocks While They’re Discounted
When the market dips, it’s not just chaos—it’s opportunity. Think of it as a designer sale but for investments. Long-term, quality stocks are cheaper right now, and buying while the market is down means bigger gains when it rebounds.
Where to start: Look into ETFs or index funds like VOO or SPY if you’re a beginner.
2. Launch That Side Hustle You’ve Been Sitting On
If the economy’s shaky, don’t rely on one paycheck. Whether it’s content creation, virtual assisting, copywriting, selling digital products, or flipping vintage—this is your sign to monetize your skills.
Need inspo? Ask yourself: What do people always ask me for help with? That’s your starting point.
3. Learn a New, High-Income Skill (For Free)
Forget overpriced bootcamps. YouTube University and free platforms like Coursera and HubSpot Academy are full of career-changing knowledge. Think: UX design, coding, marketing, copywriting, or even AI tools.
Vibe check: Learn now, earn forever.
4. Buy Low-Cost Crypto (Responsibly)
Crypto is volatile, yes, but when markets dip, prices are lower—and that’s your chance to grab a little Bitcoin or Ethereum. Keep it light, keep it long-term, and use legit platforms.
Rule: Only invest what you can afford to lose. This isn’t Monopoly money.
5. Monetize Your Content
Got a TikTok, YouTube channel, or even a decent Instagram following? Time to get paid. You can make money through brand deals, affiliate links, user-generated content, or even digital products.
Pro tip: Niche content + consistency = coins.
6. Flip Your Closet for Cash
You’re sitting on money, sis—and it’s hanging in your closet. Resell clothes, shoes, or accessories on Depop, Poshmark, or Mercari.
Hack: Bundle items or sell by aesthetic (e.g., “clean girl starter kit”) for faster sales.
7. Get Serious About Cash Back and Rewards
If you’re going to spend, you might as well earn while doing it. Maximize credit card rewards, cash-back apps (like Rakuten and Ibotta), or bank points.
Bonus points: Stack rewards with coupons or sales.
8. Take Advantage of Government Programs and Grants
Hard times mean more programs are opening up for assistance, education, homeownership, and small business grants. Don’t let pride stop your paper.
Look into: SBA microloans, state-run grants, or income-based student loan help.
9. Negotiate Everything
From your rent to your Wi-Fi bill, nothing is set in stone. Most companies have hidden discounts or loyalty perks—you just have to ask.
Script starter: “I’ve been a loyal customer, but I need to lower my bill. What can you do for me?”
10. Build Your Brand While Everyone Else Panics
While some are spiraling, you’re building. Use this time to work on your personal brand, portfolio, or business idea. Economic downturns are when many future millionaires make their first move.
Strategy: Show up online, build your credibility, and be unforgettable in your industry.
BONUS: How to Take Your Dream Vacation for the Low
Who says you can’t live your best life on a budget? With travel deals, credit card rewards, travel hacking, and off-season bookings, you can plan a luxe-looking trip without draining your savings.
Pro tips: Use Hopper for price drops, travel in shoulder season, and don’t sleep on international destinations with favorable exchange rates.
BONUS: Why Not Buying a House Might’ve Been the Smartest Move You Made
If you’ve been side-eyeing your high school classmates’ Zillow purchases, don’t. Between rising interest rates, sky-high property taxes, and expensive maintenance, a lot of millennial homeowners are having regrets.
Reality check: Renting gives you flexibility, fewer surprise costs, and zero HOA drama. Homeownership isn’t always the flex it’s made out to be.
Final Thoughts: Recession, But Make It a Glow-Up
Yes, the economy is trash. But that doesn’t mean your financial life has to be. Play smart, stay calm, and remember: some of the best money moves are made during uncertain times. Don’t wait for the world to be perfect—make your move now.
What’s your biggest financial come-up move lately? Drop the tea in the comments and let’s thrive together. 💅📈
