The Skinny Confidential Him And Her Show Haley Sacks AKA "Mrs. Dow Jones" On How To Actually Build Wealth, Master Your Money, & Stop Making Financial Mistakes
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Jan 15, 2026 In this engaging conversation, Haley Sacks, aka Mrs. Dow Jones, a financial educator and entrepreneur, dives into the essentials of personal finance for millennials and Gen Z. She shares her journey from paycheck-to-paycheck to financial empowerment and discusses the importance of having a money mindset. Key topics include the necessity of emergency funds, effective debt management, and why the first $100K saved is so critical. Haley emphasizes practical steps like monthly money dates and leveraging AI for financial insights, along with salary negotiation tactics to enhance your wealth-building journey.
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Lock In Free 401(k) Matches
- Capture employer 401(k) matches first because it's essentially free, guaranteed return on your money.
- Build a 3–6 month emergency fund in a high-yield savings account before investing or risking cash.
Eliminate High-Interest Debt First
- Pay off high-interest debt (above ~7%) before investing heavily because borrowing costs often exceed market returns.
- Avoid investing cash while carrying costly credit card or similar debt.
From Magical Thinking To Ownership
- Haley describes relying on magical thinking in her 20s: hoping to 'hit it big' or marry someone wealthy instead of learning money skills.
- That realization motivated her to take ownership of her finances and career.
