018 The Military Wealth Coach's Take on "Girl Math" (Hint: It's Not What You Think)

TikTok loves Girl Math Memes -- both those "for", and those "against." While Girl Math has nothing to do at all with math (obviously), it also has nothing to do with girls: boys also use Girl Math all the time! While it can be fun to talk about and makes for silly memes, the wasteful spending that comes from Girl Math will cause a lot more damage than just going over budget. Each "$5 so it's free" or "it was an exchange so the extra money doesn't count" or "it's free because I paid cash" can add up to $100s or $1,000s a month.

And when you add up that much wasteful spending, you can start kissing your dreams and goals goodbye -- and at the very least accept you will be working well into your 60s and 70s to make up for the wasteful spending of today, and the money you could have been saving.

But before calling out yourself or your partner, consider this: Girl Math isn't logical. Therefore, you can't use any logical or mathematical argument against it! Instead, the only real way to keep Girl Math from ruining your and your family's finances is to set up an automated budget with separate accounts. By agreeing on a monthly "spending budget" that you set aside in an isolated account with one debit card, you limit how much can actually be spent. Then you or your partner can use as much Girl Math as you want, so long as you're only spending from your "Girl Math Account." But once it hits $0, it's all over until next month . . . 

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