A famous American industrialist, “Henry Ford,” said, “It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.” If you’re wondering if you’ve got your money act together, and these are 15 signs you’re financially grownup. Welcome to “the growth mindset.”

1. You Budget Like a Boss. Budgeting is a powerful tool that empowers you to take control of your finances and make conscious choices about how you spend your money. By creating a budget, you gain clarity on where your money is going, from essential expenses like rent and groceries to saving for future goals or unexpected emergencies. Ultimately, it’s about feeling in charge of your financial life and making decisions that align with your values and aspirations, like a total financial boss.
2. Debt. You have a firm grasp on your finances and are proactively managing any debt you may have. You’re not living paycheck to paycheck or relying on credit cards to make ends meet. Instead, you have a well-thought-out plan in place to pay down any outstanding loans or mortgages systematically.
3. adulting level. You’ve unlocked a crucial component of financial security – an emergency fund. Life is unpredictable, and unexpected expenses. However, you’ve taken proactive measures to ensure you’re prepared for such curveballs. By diligently setting aside funds, you’ve built a safety net that provides peace of mind and independence.
4. Impulse Buys? Nah, You Got This. Remember those shiny phone cases or clothes you “needed” last week? Yeah, you’ve broken free from the clutches of instant gratification. You don’t fall for every sale or trendy gadget. You ask yourself, “Do I really need this?” Most of the time, the answer is a resounding “Nope!” You’re all about conscious spending, because adulting is about adulting your wallet too.
5. Money Talks & You’re Speaking Volumes. Talking about money with friends and family used to be awkward, right? Not anymore! You can have open and honest conversations about finances. Maybe you’re budgeting together or sharing tips. After all, knowledge is power, especially financial knowledge, and sharing it with loved ones can benefit everyone.
6. Future You Is Fund-tastically Prepared. You’re not just living for today. You’ve got a retirement plan, even if it’s just a small seed right now. Social security might be a mystery, but you’re taking control by putting your future self first. Because, let’s face it, adulting for future you is the ultimate act of self-love. Imagine chilling on a beach in your golden years, thanks to your wise financial decisions. Pretty sweet, right?
7. Compound Interest. Your New Best Friend. You might not be a financial wizard, but you’ve grasped the magic of compound interest. It’s like free money growing on a money tree! The sooner you start investing, even a little, the more that little bit grows over time. It’s like financial alchemy, turning pennies into gold.
8. Adulting Doesn’t Mean Hoarding Junk. Remember that “vintage” lava lamp from college collecting dust in the corner? Yeah, you’ve learned the difference between things that hold sentimental value and things that are just taking up space. You can declutter your life and maybe even make some cash selling those barely-used clothes online. Adulting is about being smart with your space and your stuff.
9. You’re a Negotiation Ninja. Cable bills got you down? Phone contract feeling overpriced? You’re no longer afraid to negotiate! You’ve done your research and know your worth. A little negotiation can save you big bucks in the long run. So, channel your inner ninja and fight for your financial rights!
10. Multiple Income Streams. Because Why Not?. You’re not putting all your eggs in one basket. Maybe you have a side hustle like freelance writing or selling crafts online. Perhaps you invest in a little real estate. Having multiple income streams gives you financial security and peace of mind. It’s like having a financial safety net woven from different threads, making you extra strong and prepared for anything.
11. Experiences Over Stuff. You’ve realized that experiences create lasting memories, while material possessions often just gather dust. You’d rather spend your money on a weekend getaway with friends or a concert ticket than the latest gadget. Because, let’s be honest, wouldn’t you rather brag about that epic hike you conquered than the new phone case you bought?
12. The Learning Never Stops. You know you don’t have all the financial answers, but that’s okay! You’re a lifelong learner when it comes to money. You read books, listen to podcasts, and maybe even follow some financial gurus on social media. The more you learn, the more confident you’ll be in making smart financial choices.
13. Delayed Gratification. Your Superpower. Sure, that new game console looks tempting, but you know the thrill of reaching a savings goal is way more satisfying. You’ve mastered the art of delayed gratification. It might require some short-term sacrifice, but the long-term rewards are totally worth it.
14. Financial FOMO? You Don’t Have Time for That. You see your friends buying fancy cars or taking extravagant vacations, and you don’t feel the urge to keep up. You know everyone’s financial situation is different, and you’re focused on your own goals. Financial Fear Of Missing Out doesn’t control you. You’re on your own financial journey, and that’s perfectly okay!
15. Saying No is Your Superpower. You’ve learned the power of a polite but firm “no.” Peer pressure to spend on things you don’t need doesn’t faze you anymore. Whether it’s skipping that overpriced coffee every day or politely declining that weekend trip that doesn’t fit your budget, you know how to prioritize your financial goals and say no to things that don’t align with them.

So there you have it, Until next time, stay financially awesome!