It’s Not About Coffee — It’s About Healing Your Money Habits

Let’s Talk About It

They tell us to cut lattes.
Skip brunch.
Buy off-brand.

But the truth is, most advice wasn’t made for people who started in survival mode.

You didn’t grow up with financial blueprints — you grew up trying to stretch every dollar and still show up with confidence.

So when you finally start making money, the urge to enjoy it is real — but so is the burnout that follows.

This isn’t about blaming you for what you spend.
It’s about helping you take back control — without shame.

The Latte Lie — And Why It’s Lazy Advice

The world says you’re broke because of $6 coffee.


But let’s do the math.

  • Your rent just jumped $400.

  • Gas went up again.

  • Groceries cost $100 more than last year.

But sure — blame the oat milk.

💬 Here’s the truth: It’s not the coffee. It’s the conditioning.

For decades, Black women especially have been told to:

  • Work twice as hard

  • Give twice as much

  • But spend half as freely

That’s not budgeting — that’s bondage.

Survival Mode Isn’t a Strategy

Let’s name it.

When you’ve had to:

  • Choose between bills and groceries

  • Make $100 last a week

  • Rob Peter to pay Paul

You build habits that protect you, not grow you.

You might:

  • Avoid your bank app

  • Overspend during payday highs

  • Feel guilty the moment you do something for yourself

That’s not financial immaturity.
That’s unprocessed survival trauma.

The Real Shift Starts in Your Mindset

You don’t need another budgeting worksheet.
You need a new way of seeing money.

Let’s flip the script:

Old Thought

“I’m just bad with money.”

“I can’t afford it.”

“I’ll save when I make more.”

“Money is stressful.”

Empowered Shift

“I never had the tools. Now I’m learning.”

“How can I afford it intentionally?”

“I’ll start with what I have now.”

“Money is a tool I’m learning to master.”

Large Call to Action Headline

Here’s what budgeting should look like:

✅ A spending plan that reflects your real life
✅ Space for joy, fun, and soul care
✅ A rhythm — not restriction
✅ A way to build wealth without burning out

You don’t have to give up everything to get ahead.
You just need clarity.

That’s why we made the 7-Day Credit Challenge and the Rooted Toolkit — to teach you real steps, not just shame.

The Real One Who Was “Good Broke”

Let me tell you about Sierra — a 31-year-old who made $60K and still felt broke every month.

She wasn’t reckless. She didn’t splurge.
But her money disappeared before she could use it.

She felt like a failure.

Until one day, she realized:

“I’m not broke. I’m unaligned.”

She had no real plan — just a cycle of spending, stressing, and starting over.

She joined the challenge. Pulled her credit.


Saw that most of her stress came from scattered bills, random subscriptions, and no system.

Within 3 weeks:

  • She canceled 6 unnecessary auto-drafts

  • Got a secured card

  • Put $200 toward debt and watched her score rise 21 points

What IS It About, Then?

It’s about power.
It’s about ownership.
It’s about choosing your future on purpose.

And that starts with:

  • Knowing where your money’s going

  • Setting goals that reflect who you really are

  • Creating a credit score that works for you, not against you

It starts with believing you’re capable.

Want the Tools? We Got You.

You don’t need another year of "figuring it out."

You need a strategy — one that actually fits your life, your culture, your goals.

Because every day you delay…
Your score stays stuck.
Your stress keeps rising.
And your wealth? Still on pause.

Let’s fix that now.

Free 7-Day Credit Challenge

No more confusion. No more “I’ll do it next month.”
Start where you are — and build credit with confidence.

Join the Free Challenge Now

Your Go-To Spot for Real Ones Ready to Master Money

At Rooted Money, we don’t just talk about credit — we teach you how to fix it, flip it, and fund your legacy with it. Whether you're rebuilding your personal credit, getting your business funded, or learning how to make your money actually grow, this blog gives you real strategies that work. Explore straight-up advice, step-by-step tips, and wealth-building tools made for people who look like us and live like us.

We break it down. We keep it real. We get results.

Topics you’ll find here:

  • Personal + Business Credit

  • Budgeting + Financial Planning

  • Mindset + Wealth Shifts

  • Funding + Ownership Gems

Start learning. Start leveling up. This is money mastery — Rooted style. From hustle to empire.

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