They’re flying first class to Tulum, sipping €20 matcha in Paris, and checking into spa hotels like it’s a weekly hobby.
No trust fund. Just a really good marketing job and a soft life obsession.
Welcome to the age of the aesthetic rich girl era—where Gen Z and Millennial women are out-earning generations before them, commanding high-paying freelance gigs, tech jobs, and influencer deals…
But quietly (or not-so-quietly) spending like there’s no financial future to plan for.
And let’s be honest—it’s iconic, until it’s not.
The Soft Life vs The Smart Life
We’re talking about women who are driving six-figure income months through UGC content, e-commerce side hustles, remote tech jobs, and digital marketing. The money is real. But so is the addiction to ‘treating yourself’ to burnout.
What’s the point of breaking generational curses if you’re still one brunch away from overdraft?
Where Is It Going Wrong?
- Luxury is now the baseline.
What used to be aspirational—designer bags, 5-star hotels, airport lounges—is now just another Tuesday. Social media normalized living like the 1%, even if your savings account doesn’t agree. - Financial literacy didn’t go viral.
We learned how to edit reels, build Shopify stores, and manifest cheques—but no one taught us how to build long-term wealth. - Wealth is now a vibe, not a plan.
Looking rich online is more important than being rich offline. If the IG stories are luxury-coded, who’s really checking the overdraft fees?
Let’s Talk Numbers (Spoiler: It’s Not Cute)
- A 2024 study showed that over 60% of women under 35 in high-earning jobs have less than £1,000 in emergency savings.
- Many are renting luxury apartments they can’t maintain during a slow season.
- Investing? Retirement? Property ownership? Still on the vision board. Not on the bank statement.
So What’s the Fix? Without Killing the Vibe?
You don’t have to give up your latte, or downgrade to budget airlines. But if you want soft life to be sustainable, here’s how to boss up financially without going boring:
GUHA-STYLE MONEY TIPS FOR THAT RICH GIRL ERA
1. Don’t just make money—multiply it.
Invest in stocks, index funds, or even a beginner-friendly property savings plan. If your bank account isn’t growing while you sleep, you’re hustling too hard.
2. The 70/20/10 Rule (Remixed):
- 70%: Living life (yes, travel + soft girl luxuries included)
- 20%: Automated savings
- 10%: High-risk plays (crypto, business, investing in you)
3. Get a ‘No Touch’ account.
Out of sight, out of swipe. Have one bank account you literally do not access. Ever. Emergency only. Hide the card. Bury the login.
4. Romanticize the rich woman savings fund.
Call it the “villa escape fund” or “soft girl retirement plan.” Just save it like your future self is depending on it—because she is.
5. Take advice from quiet millionaires, not loud influencers.
The girl who posts once a week but owns three rental properties is winning. Start following wealth-building creators, not just viral ones.
In Conclusion:
Yes, you deserve luxury. You’ve worked for it. But let’s be very clear:
Financial freedom is the real soft life.
Being able to fly business class at 50 with zero debt? Sexy.
Paying off your parents’ mortgage? Divine.
Walking away from any situation because you’re not financially trapped?
Unmatched feminine power.
Your beauty can open doors, but your bank balance keeps them open.
So live. Slay. Spend.
But save and invest like your future rich aunty status depends on it—because it does.