The Liz Moody Podcast

Money Advice: Ranking Best & Worst From Social Media (with HerFirst100K)

Feb 23, 2026
Guest
Tori Dunlap
Tori Dunlap, financial educator and founder of HerFirst100K who helps women build wealth, shares candid takes on viral money tips. She ranks common advice from latte shaming to index funds. Short, practical debates cover intentional spending, automating savings, prenups as financial insurance, focusing on big-money moves, and which investing rules actually matter.
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ADVICE

Cancel Unused Subscriptions And Negotiate Refunds

  • Do audit and cancel unused subscriptions, and negotiate refunds if you haven't used a paid service.
  • Tori shares she paid for an unused hotspot for two years and recommends contacting customer service for retro refunds.
INSIGHT

Don't Obsess Over $5 Decisions

  • Insight: Small daily spend debates (coffee, $5 choices) distract from much larger, higher-impact financial moves.
  • Tori cites Ramit Sethi: focus on $15,000 decisions like negotiating raises or investing rather than $5 habits.
ADVICE

Make More Money Before Just Cutting Spending

  • Do prioritize earning more income and investing over extreme frugality if you want outsized financial progress.
  • Tori recommends negotiating raises, learning investing, or building side income as top needle movers.
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