Maybe I am late to the game, but I am just hearing more and more about the phrase rich girl era.
And I love it.
What I love most is that it does not have to mean designer bags, flashy spending, or trying to look wealthy online. To me, a rich girl era is not just about financial wealth. It is about growth, self-love, investing, intentional money management, and personal abundance. It is less about spending lavishly and more about building high self-worth, financial literacy, and peace of mind.
That kind of richness feels deeper. It feels healthier. It feels sustainable.
What Is a Rich Girl Era?
To me, a rich girl era is a season of being intentional about how you live, how you think, how you grow, and what you are building.
- valuing yourself more deeply
- learning how to manage your money wisely
- investing in your health and future
- becoming more financially literate
- setting better boundaries
- creating peace in your home and mind
- growing in confidence
- choosing a lifestyle that feels meaningful instead of performative
It is not about pretending you have it all together. It is about deciding that you want to build a life that is secure, wise, peaceful, and full.
It is not about spending lavishly. It is about building a life you do not constantly need to escape from.
Stop Making Yourself Smaller
One of the things that stands out to me most is how often women are taught to minimize themselves.
Many of us have learned to be more tolerable, more agreeable, and more acceptable instead of fully being our quirky, unusual, creative, odd, brilliant selves. We are told humility is the goal, and of course humility matters. But humility is not the same thing as self-erasure.
You do not have to become smaller to be good.
You do not have to tone yourself down to be lovable.
You do not have to hide your intelligence, your style, your gifts, your interests, or your voice just to make other people comfortable.
A rich girl era includes self-acceptance. It means learning to say:
- I value myself.
- I appreciate myself.
- I accept myself.
- I do not have to apologize for taking up space.
- I do not have to shrink to be accepted.
That is part of being rich too.
Self-Worth Is Wealth
Self-worth may sound simple, but many people live without it.
To have self-worth means you value yourself, love yourself, appreciate yourself, and accept yourself. It does not mean you think you are perfect. It means you understand that your flaws do not remove your value.
When self-worth grows, your choices often change too.
- resting without guilt
- asking for what you need
- stopping poor treatment
- leaving unhealthy spaces
- investing in your health
- accepting compliments
- pursuing opportunities
- believing that you are worthy of growth and peace
That is richness.
Financial Literacy Is Part of the Glow-Up
Another part of this that I love is the focus on learning.
The truth is, many people are not financially literate. That is not always because they are lazy or irresponsible. Many of us simply were not taught. We were not shown how to budget, save, understand credit, reduce debt, plan for emergencies, invest, or think long-term about money.
That lack of knowledge can put people in a bind at any stage of life, but especially when you are a parent, managing a home, trying to grow, trying to heal, or trying to build something better.
You do not have to know everything today. You do have to become willing to learn.
Learn where your money is going. Learn what debt costs you. Learn how to save. Learn how to plan. Learn how to be wiser with what you already have.
Not from a place of shame.
From a place of power.
Intentional Money Management, Not Performative Wealth
There is a difference between looking rich and building financial wellness.
Performative wealth may look like:
- overspending to impress others
- purchasing things that create more stress
- ignoring debt
- comparing lifestyles online
- attaching personal worth to labels and appearances
Intentional wealth-building may look like:
- knowing where your money goes
- paying bills on time
- reducing unnecessary debt
- building savings gradually
- spending according to your priorities
- preparing for emergencies
- investing in education or useful skills
- enjoying life without destroying tomorrow
The goal does not have to be extreme wealth. The goal may be stability, freedom, reduced anxiety, choices, contentment, the ability to help your family, and enough margin to rest and enjoy life.
Rich Does Not Have to Mean Extremely Wealthy
Something else I appreciate about this idea is that the goal does not have to be “super successful” or “extremely wealthy.”
The goal can be much more grounded than that:
- understanding what you are capable of
- growing it intentionally
- building stability
- creating more options
- reducing anxiety
- living with more peace
- becoming content with the life you are building
Maybe your rich girl era means paying off debt. Maybe it means starting savings. Maybe it means improving your home, going back to school, building a business, learning to rest, becoming emotionally healthier, or becoming more disciplined.
Richness does not have to look the same for everyone.
Abundance Is Bigger Than Money
When I hear the word rich, my first thought has always been money.
But lately I have been trying to reframe that.
Because can you not also be rich in family?
Can you not be rich in happiness?
Can you not be rich in peace, joy, purpose, love, faith, creativity, or wisdom?
Money matters. Financial security matters. But money is not the only form of wealth. A person can have money and still feel empty, anxious, disconnected, or miserable. Another person may still be growing financially while already living with meaningful abundance in other areas.
That matters too.
What Am I Rich In?
This phrase has me thinking more deeply about what I already have and what I still want to build.
Maybe I am rich in faith, resilience, ideas, purpose, love for others, creativity, family, growth, and the ability to begin again.
And maybe I want to become richer in peace, financial wisdom, discipline, wellness, confidence, rest, healthy routines, and long-term security.
What am I already rich in, and what kind of richness am I intentionally creating next?
How to Enter Your Rich Girl Era
1. Define richness for yourself.
Do not let social media do all the defining.
2. Stop minimizing yourself.
Be honest about your gifts, your worth, and your goals.
3. Learn one money skill at a time.
Budgeting, saving, debt reduction, credit, investing, and planning all count.
4. Invest in your growth.
This may be through therapy, prayer, education, rest, routines, movement, or skill-building.
5. Focus on peace, not performance.
Build a life that feels steady, healthy, and real.
6. Practice gratitude without becoming complacent.
Appreciate what is already good while still working toward what you want to build.
7. Walk in it.
Do not just admire the idea. Live like the woman you are becoming.
Final Thoughts
So yes, rich girl era.
I am claiming it.
Not only in the financial sense, but in the deeper sense too. I want to walk in growth, self-worth, wisdom, peace, and intentional abundance. I want to build a life that reflects both responsibility and joy. I want to be rich in the ways that truly matter.
And I wish the same for you.
May you seek the things you would like to grow into, and may you have the courage to walk in them.
Be blessed.
— JB Simon
Educational Notice: This article offers general wellness and financial-education reflection. It is not individualized financial, legal, tax, medical, or mental-health advice.
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