The vibe on TikTok this year is all about leveling up your money game. From the 53-week challenge that promises to help you save $2,400 in a year to tips on avoiding the FTMO trap, it’s clear that 2025 is all about cultivating a healthier, more abundant relationship with your finances.
One perspective that has stood out for me, though, has been how Black women are leveraging their love languages to attract wealth. @becomingher tackled this in one of her videos, and it has made me rethink my own approach to money.
Now, if you’re the type that loves a good deep dive into the psychology of human behavior, you’re probably well-versed in Gary Chapman’s concept of love languages.
The pastor and counselor proposed that there are five ways we express and receive love: words of affirmation, physical touch, acts of service, quality time, and receiving gifts – and since its conception in the 90s, this framework has been a wonder to everyone trying to understand their relationship dynamics better.
But what often goes ignored, according to @becomingher, is how our love languages influence other aspects of our lives, particularly our attitudes toward money.
Curious to know how? Keep scrolling below for all the deets.
How To Use Your Love Language To Transform Your Finances Forever
According to @becomingher and finance expert Georgia Galway, leveraging your love languages through the lens of your finances – whether by gifting your future self through tech and AI investments such as EnrichHer or dedicating quality time to understanding and romanticizing your finances – can help you have a better relationship with money and enjoy a more secure and exciting financial future.
Here’s how to work out your financial love language and how you can use it to improve your money habits in 2025, featuring insights from Black women who’ve tapped into this strategy to transform their financial situations:
Related: Stop Letting Your Attachment Style Wreck Your Money Habits—Here’s How To Fix It
If Your Love Language Is Words Of Affirmation…
Girlies with words of affirmation as a love language thrive on verbal expressions of affection like, “You’ve got this,” heartfelt compliments, and consistent words of appreciation. When it comes to finances, this translates to positive self-talk and encouragement.
What does this look like in practice? Financial coach Georgia Calway suggests celebrating financial milestones, such as hitting your saving goals, paying off high-interest debt, and being gentle with yourself during tougher times.
Galway also expresses the importance of not being too hard on yourself for occasionally overspending or going over budget from time to time. In those instances, focus on the positives and remind yourself that you did your best and are a work in progress.
You can also take a page from @themillionairechick’s playbook and incorporate these daily money affirmations into your routine. You could also seek out mentors or financial advisors who can offer constructive feedback and cheer you on as you work toward your goals.
@reealmanifestations Money affirmation that actually works #MoneyManifestationMonday #Wealth #Abundance #ManifestYourDreams #positiveaffirmations #declare #iam #thepowerofwords #confessions #kingdomentrepreneur #christian #godismyceo #christianinspiration #christianentrepreneur #moneytips #moneychallenge #manifestation #moneymanifestation ♬ original sound – Blessings
If Your Love Language Is Receiving Gifts…
If nothing gets your heart doing the Bheba dance like a thoughtful gift from your bestie or your partner taking you on a self-care vacation to Iceland, then yours is a love language of gifts. But how does it translate to your financial habits?
@becomingher says by future-proofing your life. So, rather than spending your money on unnecessary bits and bobs that give you temporary validation and happiness, purpose to spend time educating yourself about finances by perusing Black Girl Finance Books, listening to a podcast, or hitting up your favorite financial gurus.
Taking the time to educate yourself about the financial market, the best investment opportunities for Black women, and the current global financial trends is the best present you could ever give yourself in 2025.
This is because the more you know and understand, the more confident and better you will be at handling money. And the more confident you feel, the more money goals you can achieve as a Black woman (not to mention the sweet little treats you can gift yourself when you do).
A thread on how to future-proof your life as a Black woman in 2025:
View on Threads
Related: ‘Clever Girl Finance’ Founder Bola Sokunbi Shares 4 Tactics She Used to Save $100K In Just 3 Years
If Your Love Language Is Physical Touch…
If your love language is physical touch, you might be wondering how exactly it manifests into your money.
Well, according to Black Girl financial expert Feyisayo Oladipo, babes who express and receive love through physical touch show affection through physical contact and closeness, i.e., hugging, cuddling, holding hands, etc.
When it comes to money, physical touch girlies are drawn to tangible assets or experiences that offer a sense of security. However, they also risk hoarding too much, which can result in missing out on valuable and money-multiplying investment opportunities.
“So, rather than just staring at your bank balance or keeping track of your finances in a spreadsheet, consider writing a money journal or using a budgeting method like cash stuffing to better your money habits,” finance expert Galway adds.
For those unfamiliar, cash stuffing is a budgeting method in which you divide your income into labeled envelopes or wallets, each allocated for specific spending categories like groceries, bills, and savings. This allows you to enjoy the feel of money while still improving your money habits.
Investing in physical assets such as real estate, precious metals, or art can also help diversify your financial portfolio as a physical touch girlie.
Physically handling your money or seeing your finances laid out on paper makes your money feel more tangible and real, thus giving you a greater sense of control.
If Your Love Language Is Quality Time…
If quality time is your love language, you value meaningful moments and shared experiences. When applied to money, this translates to dedicating focused time to understanding and building a better relationship with your finances.
How does this look in practice? It could mean having open discussions with a financial advisor, accountability partner, or your loved ones about your money habits.
If you’re dealing with student loans or mortgage debt, talking it out with a trusted friend, partner, or family member can help relieve some of the burden and anxiety you might be feeling.
A strong support system is key to financial well-being, and these conversations can be a powerful way to show yourself love in a financial sense.
Even if you’re navigating finances solo, try scheduling regular money dates – pour yourself a glass of wine, put on your favorite playlist, and dive into your budget.
Romanticizing these moments can turn even the most mundane money tasks into something you look forward to, thus helping you approach your finances with a positive mindset.
Related: 5 Apps That Will Help You Save Money For Your Dream Vacation
If Your Love Language Is Acts Of Service…
If your love language is acts of service, you appreciate thoughtful gestures that make life easier.
Whether it’s someone brewing your morning coffee, picking up your favorite ice cream after a tough day, or giving you a much-needed leg massage post-hike, you value actions over words.
“This love language is for the girlies who believe that actions speak louder than words. So, when it comes to money, it might manifest itself through the actions you take to positively influence your finances,” Oladipo says.
And what does this look like in practice? Well, it can be as simple as evaluating your bank and financial accounts to keep track of your income and outgoing expenses.
It could also be trying to find the best deals on products you’ve been eyeing for a while or making yourself a meal at home instead of ordering in.
You can also practice financial acts of service by contributing consistently to a financial goal, using credit card perks for travel and Airbnb stays, or opting for thrift shopping to save some cash instead of splurging on pricey items.
Basically, every small action you take toward better financial habits can add up to make a big difference.
The Takeaway
Understanding your financial love language can reveal valuable insights into your money habits and help you build on your strengths while addressing any weaknesses.
But remember, a balanced approach is key, and it’s never too late to make positive changes in how you approach finances.
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