How to Build Wealth Without Shame: The Financial Feminist’s Guide

If you’ve ever felt embarrassed about debt, confused by credit, or anxious about your financial future, you’re not alone. Shame is one of the biggest barriers women face on the path to wealth. But it doesn’t have to be this way. Drawing on the wisdom of Tori Dunlap’s 'Financial Feminist' and the best financial educators, this guide will help you transform your relationship with money—no shame required.

Debt is Not a Moral Failing

First, let’s bust a myth: debt is not a sign of failure. Most Americans carry some form of debt—student loans, credit cards, medical bills. What matters is how you manage it. Start by listing all your debts and their interest rates. Anything above 7% should be your top priority. Use the 'debt avalanche' (highest interest first) or 'debt snowball' (smallest balance first) methods, and automate your payments so you never miss a due date. Celebrate every milestone, no matter how small.

Negotiate Everything

Did you know many bills and rates are negotiable? A polite call to your credit card company or landlord can lower your payments and save you thousands. Don’t be afraid to ask—negotiation is a skill, not a confrontation. Each win builds your confidence and frees up more money for your goals.

Automate Your Success

Willpower is unreliable, but automation is foolproof. Set up automatic transfers for savings, debt payments, and investments. This removes temptation and ensures you’re always moving forward, even when life gets busy. Tori’s game plan starts with an emergency fund, then moves to debt payoff, and finally to investing for your future.

Progress Over Perfection

Above all, remember that progress matters more than perfection. Shame thrives in secrecy, but community and self-compassion are antidotes. Share your journey with trusted friends or online communities. Every step you take is a victory—not just for you, but for everyone who sees what’s possible.

Building wealth is a journey, not a destination. Start today, forgive yourself for yesterday, and celebrate every step along the way.