even more, no paywall.
the savvie scoop, the calculator suite, the SAVVIE method, frameworks, and the open resource library. all free, all built to be used. dive in whenever you're ready.
work
start free. go deeper when you're ready.
three resources. one mission. all built for women turning financial literacy into long-term wealth.
savings sprint
for the girls
budget
most "save $1,000" advice fails because it skips the actual saving part.
cut your subscriptions. budget better. try harder. all things you've heard, none of which actually move money out of checking and into savings. they're suggestions, not systems.
the rainy day savings sprint is different. 30 days, one daily action, a real plan that gets you (or close to) $1,000 in a high-yield savings account by day 30 — built for women who've been told to "just save more" without anyone explaining how.
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WHAT'S INSIDE (16 PAGES, 30 DAILY ACTIONS, A WORKING SYSTEM)
01 · a note from savvie
why $1,000 matters more than it sounds. the doing-it part most content skips.
02 · how the sprint works
the math: ~$33/day. the structure: setup → earn → cut → compound. why flexibility beats perfection.
03 · the fine print
educational content, no advisory relationship, no recommendations, your decisions are yours.
04 · pre-sprint setup
15 minutes before day 1: pick a start date, name your why, log your starting number, grab the tracker.
05 · week 01 · setup (days 1-7)
open a HYSA. name the account. automate the transfer. audit subscriptions. first no-spend day. list 5 things to sell. week one review. the foundation gets built here.
06 · week 02 · earn more (days 8-14)
list one thing online. returns audit. negotiate a bill. side hustle audit. do the side hustle. list a second thing. week two review. earning is half the math, and it's the half nobody talks about.
07 · week 03 · spend less (days 15-21)
meal prep. pack lunch every day. no-spend day. free entertainment night. skip the coffee shop. walk past the temptation. week three review. cutting without scolding yourself.
08 · week 04 · compound (days 22-30)
increase the transfer. name the next goal. schedule a quarterly review. tell one friend. another sale, another shift, another subscription audit. celebrate progress. sprint complete. the system keeps running after day 30.
09 · the tracker
printable 30-day grid. day, date, action taken, $ saved today, running total. tape it to the fridge. seeing the number go up is the whole point.
10 · if you fall off
the sprint isn't a streak. don't restart from day 1. don't overcorrect. don't shame-spiral. notice what tripped you, write it down, keep going.
11 · after the sprint
keep the automatic transfer running. set the next target (3-6 months of expenses). expand into investing. subscribe to the savvie scoop for what comes next.
12 · about + full disclaimer
the full legal page.
every action is a 5-15 minute task. no spreadsheets, no apps to download, no willpower required. you set up the system once and run it for 30 days.
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WHO IT'S FOR
women who've never built savings and don't know where to start. anyone with a chaotic income and zero buffer. people who've tried to "save more" five times and lasted a week. women in their 20s and 30s who know they should have an emergency fund but the math feels impossible.
WHO IT ISN'T FOR
people who already have 3+ months of expenses saved (you're past this. go straight to investing for the girls). anyone expecting an app or course, this is a self-paced PDF guide, not software.
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FORMAT
PDF download · 16 pages · instant access via email after sign-up · printable daily tracker included · 30-day timeline, fully self-paced · designed to run alongside your normal life, not replace it · free updates delivered automatically
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THE PRICE
free. no upsell, no email-then-paywall, no "free with a $9 hidden fee." it's a $0 download because emergency funds shouldn't be gatekept.
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DISCLAIMER · PLEASE READ
For educational purposes only. Not financial, investment, tax, or legal advice. Use of this sprint does not create a fiduciary, advisor, or client relationship. Consult a licensed advisor or accountant for personalized financial guidance. Full disclaimer at savvie.org/disclaimer.
Savvie is currently a project of Teague Media, exploring formal 501(c)(3) nonprofit status. Purchases (including this $0 download) are not tax-deductible at this time.
you don't need a finance degree. you need this guide.
most investing content was written for someone else. a 45-year-old man with a fidelity 401(k) and a lot of free time. or a 22-year-old crypto bro yelling about "alpha."
this guide is for the rest of us. women who want to start investing, are tired of pretending they understand "the market," and refuse to pay a financial advisor $200/hr to explain what an ETF is.
inside: no jargon walls. no sponsored coin pumps. no "have you considered real estate?" energy. just the actual fundamentals, organized in the order things actually go in.
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WHAT'S INSIDE (37 PAGES)
part 01 · investing 101
what investing actually is, why it matters for women specifically, and the three-bucket framework (spending money / safety money / growth money) that puts everything else in context.
part 02 · the vocab dictionary
36 financial terms decoded, one sentence each. asset allocation, expense ratio, fiduciary, HYSA, Roth IRA, ticker, time horizon, vesting — every word that's ever made you feel stupid in a money conversation, defined in plain language.
part 03 · mindset shifts
8 psychological reframes that separate the women who build wealth from the women who keep almost-starting. time-in vs. timing. drops aren't losses unless you sell. automating the decision out. fees matter more than they look.
part 04 · account types decoded
401(k) vs. Roth IRA vs. HSA vs. taxable brokerage. what each does, why the IRS treats them differently, and the order to fund them.
part 05 · ETFs as starter vehicles
widely-discussed broad-market ETFs as educational examples, plus the questions to ask before investing in any fund (expense ratio, holdings, AUM, performance vs. benchmark).
part 06 · first-portfolio frameworks
three concrete allocation tables for $1k, $10k, and $100k. starting positions, when to add complexity, when to consider a fee-only fiduciary.
part 07 · the platform walkthrough
open a brokerage account, link your bank, place your first trade. the procedural part, designed to be followed step by step the day you're actually ready to act.
part 08 · when the market drops
the page you read on the day everything goes red. what NOT to do, what to do instead, and why drops are the cost of admission for long-term investors.
plus: a closing letter, the most heavily-disclaimed financial education guide you'll read this year (because of how seriously we take the line between education and advice), and a vocab dictionary you'll come back to forever.
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WHO IT'S FOR
women in their 20s and 30s who keep meaning to start investing. anyone who's been told "just buy index funds" and didn't know what to do with that. creators with irregular income who want to invest but don't know how to start. anyone tired of feeling behind on something they were never taught.
WHO IT ISN'T FOR
people looking for stock picks or "10x returns" content (this is education, not gambling tips). experienced investors looking for advanced strategy. anyone expecting a finance course (this is a focused starter guide).
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FORMAT
37-page PDF · instant download via email after purchase · designed to be read linearly the first time and referenced forever · free updates delivered automatically to past buyers
REFUND POLICY
30-day money-back guarantee. no questions, no forms. if it doesn't help, email hi@savvie.org for a full refund.
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DISCLAIMER · PLEASE READ
For educational purposes only. Not financial, investment, tax, or legal advice. Use of this guide does not create a fiduciary, advisor, or client relationship. Any specific products, accounts, ETFs, or strategies mentioned are educational examples only — not recommendations. All investing involves risk, including potential loss of principal. Consult a licensed advisor before making financial decisions. Full disclaimer at savvie.org/disclaimer.
Savvie is currently a project of Teague Media, exploring formal 501(c)(3) nonprofit status. Purchases are not tax-deductible at this time.
most budgets fail because they treat you like a problem.
zero-based budgets. envelope systems. apps that scold you for buying coffee. they're built for someone with predictable income, no emergencies, and zero life.
hot girls budget is different. a clean, repeatable system designed for women with real lives. variable income, occasional impulse buys, and zero patience for spreadsheet shame.
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WHAT'S INSIDE (9 FUNCTIONAL TABS, 117 FORMULAS)
01 · read this first
brand intro, how to use the template, full disclaimer.
02 · setup
your income, fixed expenses, and variable budget allocation. fill once, the rest of the system runs off this. auto-calculates each category as a % of your variable budget.
03 · monthly tracker
the main view. pulls live from your setup + spending log to show what you've spent vs. what's left in each category. auto-flags status: on track, watch it, or over.
04 · spending log
60 pre-formatted rows for daily transaction entry. takes 30 seconds a day. every entry feeds the tracker automatically.
05 · categories
customizable list. variable vs. savings. edit names here and the rest of the system adjusts.
06 · savings goals
8 goal slots with progress bars (auto-rendering as you contribute). emergency fund, vacation, down payment, holidays — track them all in one view with auto status updates.
07 · monthly review
8 reflection prompts at month-end. what did you overspend on? what surprised you? what triggered overspending? you're learning patterns, not just logging numbers.
08 · year at a glance
12-month grid with monthly entries flowing into year-end totals. auto-calculates savings rate and surplus/deficit. the patterns over 12 months tell you more than any single month can.
09 · about + disclaimer
full legal disclaimer page.
every tab uses formulas. update one cell, the whole system recalculates. it's a working tool, not a pretty graphic.
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WHO IT'S FOR
women who've tried 5 budget apps and never lasted past month one. creators or freelancers with irregular income. anyone who wants visibility without spreadsheet-induced rage. people in their 20s and 30s figuring out money for the first time.
WHO IT ISN'T FOR
people who already use ynab / copilot / lunchmoney and love it (don't fix what works). anyone expecting an app — this is a spreadsheet, not software.
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FORMAT
Excel (.xlsx) file + Google Sheets "make a copy" link · instant access via email after purchase · setup takes 10 minutes · designed for monthly maintenance, not daily upkeep · free updates delivered automatically to past buyers
REFUND POLICY
30-day money-back guarantee. no questions, no forms. if it doesn't fit your life, email hi@savvie.org for a full refund.
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DISCLAIMER · PLEASE READ
For educational purposes only. Not financial, investment, tax, or legal advice. Use of this template does not create a fiduciary, advisor, or client relationship. Consult a licensed advisor or accountant for personalized financial guidance. Full disclaimer at savvie.org/disclaimer.
Savvie is currently a project of Teague Media, exploring formal 501(c)(3) nonprofit status. Purchases are not tax-deductible at this time.