Bucket 02 of 20 · 1,000 Things · Grace Uncommon

50 MONEY MOVES FOR WOMEN OVER 50

I know my numbers. Then I spend on what I love.

Grace Uncommon planning at a table with a map

Bucket 02 of 20 · 1,000 Things

50MONEY MOVESFOR WOMEN OVER 50

I know my numbers. Then I spend on what I love.

50 ideasAbout 6 minutesBuilds your short list as you go

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Read all 50.

Ten-minute fixes, long-game moves and a little fun money.

Tap Yes!, Maybe someday or Not my thing.

First instinct wins.

Your short list builds itself.

It's waiting at the bottom. Copy it, pin it, start planning.

Grace Uncommon carrying shopping bags through an outdoor market

A note from Grace

WHEN DID YOU LAST LOOK AT THE WHOLE PICTURE?

For years money was something I handled. Bills paid, kids fed, nobody went without. What I didn't do was sit down and ask what it was all for.

So here are fifty money moves I wish I'd made sooner. Some take ten minutes and a cup of coffee. A few take a professional and a deep breath.

This is a list, not financial advice. Tap the ones that make you sit up.

Grace

MY MONEY SHORT LIST0 Yes!0 Maybe someday0 of 50 sortedSee my list

KNOW YOUR NUMBERS

Nothing scary. Just the truth on paper.

01
Calculate my actual "enough" number and write it down
02
Track every dollar I spend for one month, no judgment
03
Pull my free credit reports from all three bureaus
04
List every account I own in one document someone could find
05
Learn to read my own investment statements line by line
06
Know what I'd live on if my household income suddenly changed
07
Calculate my net worth and update it every New Year's Day
08
Find out what my investments are really costing me in fees
09
Price out my dream year: what would it actually cost
10
Decide what retirement actually looks like before I price it

Grace Uncommon enjoying a quiet morning with coffee

I've made my peace. Now I'm making plans.

@IAMGRACEUNCOMMON

Save it for the day you need it

Pin it to your money board, send it to the friend who keeps you honest, or keep it for payday.

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PLAN THE LONG GAME

Future me is going to be so grateful.

11
Learn exactly when to claim Social Security and why it matters
12
Learn the difference between a Roth and a traditional IRA, finally
13
Max out my catch-up contributions to retirement accounts
14
Learn my Medicare options well before I turn 65
15
Rebalance my portfolio once a year, on my birthday
16
Look into long-term care insurance before I need it
17
Track down my old 401(k)s and consolidate them
18
Learn the basics of how taxes work in retirement
19
Map out my retirement paycheck from savings, month by month
20
Make a financial plan for my 90s, in case I'm fabulous that long

02 MONEY & FINANCIAL FREEDOM

Halfway there

THIS LIST, PRINTABLE

This is the Money & Financial Freedom page of 1,000 Things, free inside The Code. Same ideas, with check-off columns, ready to print or fill in on screen.

The other 19 buckets look just like it.

See what's inside

PROTECT WHAT'S MINE

Boring paperwork. Huge peace of mind.

21
Open an account that is in my name only
22
Build an emergency fund that covers six months of living
23
Write a will, even a simple one, this year
24
Name someone I trust as my financial power of attorney
25
Update the beneficiaries on every account I own
26
Meet with an estate planning attorney and get my papers in order
27
Freeze my credit to protect myself from fraud
28
Start a "walk-away fund" so I never have to stay anywhere for money
Grace's pick
29
Decide on purpose whether to pay off the mortgage early
30
Say no to a loan request without apologizing

Grace Uncommon behind the wheel on a road trip

I bet on me.

@IAMGRACEUNCOMMON

Save it for the day you need it

Pin it to your money board, send it to the friend who keeps you honest, or keep it for payday.

Pin it Share on Facebook

MAKE IT GROW

A little extra, on my terms.

31
Hire a fee-only financial planner for one honest session
32
Turn one skill I already have into a small income stream
33
Read one book about investing written by and for women
34
Join or start a women's investment club
35
Rent out a spare room, a parking spot, or my garage
36
Run the numbers on living somewhere cheaper
37
Pay myself first, automatically, every single month
38
Call and negotiate one bill down: insurance, phone, or internet
39
Cancel every subscription I forgot I was paying for
40
Take a free financial literacy class at my local library

Low maintenance. High standards.

@IAMGRACEUNCOMMON

Save it for the day you need it

Pin it to your money board, send it to the friend who keeps you honest, or keep it for payday.

Pin it Share on Facebook

SPEND ON WHAT I LOVE

The whole point of all of it.

41
Pay off one debt completely and celebrate like it's a holiday
42
Schedule a monthly money date with myself, snacks included
43
Open a "fun money" account that requires zero justification
Grace's pick
44
Talk openly about money with a friend I trust
45
Try a no-spend month and notice what I actually miss
46
Build a budget that includes joy and adventure, not just bills
47
Sell the stuff I never use and fund something I love
48
Retire the guilt about spending money on myself
Grace's pick
49
Teach a younger woman everything I wish I'd known about money
50
Search for unclaimed money in every state I've ever lived

MY MONEY SHORT LIST

0 Yes! · 0 Maybe someday

Tap Yes! on anything that makes you sit up. It lands here, ready to copy, email or pin.

Yes! This sounds cool

Maybe someday

Email it to a friend

One bucket down, 19 to go.

Your list for the other 19 buckets is in 1,000 Things, free inside The Code.

For ideas and inspiration only. Not financial, tax or legal advice.

02 MONEY & FINANCIAL FREEDOM

A BONUS FROM THE CODE COLLECTION

1,000THINGS

TO MAKE YOUR 50'S, 60'S AND 70'SSOME OF YOUR BEST YEARS YET

Big ideas, small ideas and a few wild ones, across 20 areas of life. Check what sounds good, skip what doesn't, and leave with a customized short list.

That was 50

GET ALL THE REMAINING 950 FOR FREE!

It's included in your copy of The Code of the GenX Woman.

The Code is the book, five workbooks, 56 quote cards, 50 ChatGPT prompts and 1,000 Things to Make Your 50s, 60s and 70s Some of Your Best Years Yet, all 20 buckets of it. Instant download.