Boost your income, invest with confidence, and build real financial freedom.
Why This Step Matters More Than Ever
Let’s be real: managing money on one income takes hustle. But once your basics are covered and your debt is under control, it’s time to shift your focus—from survival to building real wealth.
Wealth isn’t just about big investments or six-figure salaries. It’s about creating security, options, and freedom over time. And yes—you can absolutely do that solo, even if you’re starting later than you planned.
💡 This post is part of the Smart Money Management Series — your step-by-step guide to financial confidence for independent women. Visit the Solo Money Hub » to see all 6 steps and grab your free Starter Kit!
🌱 What Wealth Building Really Looks Like
- 💼 Earning more intentionally – Maybe it’s negotiating a raise, starting a simple side hustle, or raising your freelance rates.
- 📈 Investing regularly – Even small contributions to a Roth IRA or index fund add up.
- 🧘♀️ Building financial peace – The kind of freedom where you make choices based on what you want, not what you can barely afford.
💡 Fact: According to Abacus Wealth, 50% of women became more interested in investing after the pandemic. You’re not behind—you’re right on time to take control of your future.
Just a Heads Up! 🌟 This post may contain affiliate links, which means I might earn a small commission (at no extra cost to you) if you make a purchase through one of these links. As an Amazon Associate, I earn from qualifying purchases. But don’t worry—I only recommend products and services I personally use, love, or believe can genuinely benefit you. Your support helps keep this blog going—thank you! 💖
💸 Start by Earning More—Without the Burnout
You don’t need a second job or 60-hour weeks to increase your income. In midlife, energy matters just as much as money. Here are realistic, low-stress ideas:
- 🛠️ Use your existing skills in new ways (consulting, tutoring, virtual admin)
- 🎯 Raise your rates or ask for a raise—your experience has value
- 📦 Repurpose what you already have (physical or digital assets)
- 🪴 Monetize a hobby (but only if it brings you joy)
💬 Think “aligned income,” not hustle culture. What would feel good and still move you forward?
🐢 Tilly Tip
Need help brainstorming some ideas to earn more? Tilly might have ideas you’ve never thought of! Ask her!
📊 Let Your Money Start Working Too
You don’t need to be an expert or start with thousands. A simple, consistent investment plan can make a massive difference—especially if you automate it.
- 🧠 Learn the basics: Roth IRA, index funds, 401(k), compound interest
- 📆 Set it and (mostly) forget it: Auto-transfers make it easy
- 📚 Choose your style: DIY with Fidelity or Ellevest, or work with a pro
🧍♀️ Solo Tip: Start small. $25/month into a high-yield savings or retirement fund is a powerful first step.
🔁 What If You’re Starting Late?
Many of us hit 40 or 50 and think, “Is it too late to build wealth?” The answer? Absolutely not.
💬 Whether you’re recovering from divorce, restarting after caregiving, or just never felt confident with money until now—this is still your time.
You may not retire at 55, but you can absolutely build a future with more security, more flexibility, and less financial anxiety.
- Start with your next paycheck—not your past mistakes
- Set “mini-milestones” that feel motivating, not overwhelming
- Know that building wealth is not about perfection—it’s about progress
🧠 Want to learn more? Ellevest’s free money newsletter and insights for women is a great place to begin. They have all women Certified Financial Planners that really understand the struggles we go through and really want to help.
🐢 Tilly Tip
Not sure whether to invest or pay down debt first? That’s one of Tilly’s favorite questions!
👉 You’ve officially completed the Smart Money Management Series!
Check out the Solo Money Hub » for even more tools, downloads, and the next stage of your journey.
✅ Take Action Today
- Download the Solo Money Starter Kit to start building toward financial freedom
- Comment Below: What’s one small thing you can do this week to grow your income or savings?
- Share This: Know another woman ready to grow wealth solo? Send her this post.
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Until next time, Friend!
