but "done on saturday" beats "perfect but never sent” so here we are!!

this week, i've been pretending to have it all together while googling "are cats in the bible?" at 3am. (they're not, which feels like an oversight. a real missed opportunity if you ask me.)

today we’re talking about:
💸 dollar cost averaging (for people allergic to spreadsheets)
📱 how tiktok creators teach us more than any marketing playbook
🧠 my new calculators that might talk you off your financial ledge
👻 on building in public, even when it’s spooky

grab what’s left of the halloween candy and let’s get into it ↓

let me hold your hand while i tell you that inflation is not waiting for you.

while you're waiting for mercury to be out of retrograde or whatever, inflation is eating your savings like it's a charcuterie board at book club 🫩

that’s 3-4% a year girlboss. gone. poof.
and your chase savings account interest is earning you… 0.01%?

you can do the math. that’s not a great ROI, friend.

so here's what we're doing instead:
→ pick an amount you can live without
→ consistently invest that same amount each month ($25 literally works)
→ throw it in a boring index fund (voo, vti, literally pick one with low fees)
→ become a mysterious woman who “has investments”
→ ignore market drama
→ don’t touch it for 5+ years (the longer it sits, the higher your earning potential)
→ thank yourself later

$200/month starting at 22 becomes $467,000 by 65.

but nobody wants to talk about how easy it is to do it yourself when they could be selling you a course. that’s why you follow us @withsavvie 😉

working with the coolest indie publishing company right now and have been deep-diving into tiktok sub-communities for inspiration. and it’s funny because across the board, creators clearly get what brands spend millions trying to figure out: attention is emotional and not necessarily logical.

if you look closely, you’ll see that creators’ feeds are masterclasses in:
→ aesthetic hooks that physically stop your thumb
→ complete emotional arcs in 7 seconds
→ color grading that tells the story before anyone speaks
→ making strangers cry for strangers

and their scripts aren’t coming from a brief written by 3 creative directors. they’re just genuine. that’s what moves the needle. less is more!

brands keep asking "how do you make people care?" meanwhile these creators are all doing it using a ring light and vibes. can’t wait to leverage that organic social goodness in this campaign!! 🤳🚀

today's overthinking is brought to you by 1440 media (+ my beehiiv bill).
think of this like tipping your fav barista except for your latte is a newsletter and the espresso is emotional transparency🚶‍♀️ your clicks keep the teague talk emails buzzin’ straight to your inbox 🐝

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trend: “delulu math” is officially entering the chat. it’s what we call it when we start using optimism as a financial plan❤️ bc girl math implied we were delusional just for being girls, when irl, girls rule and “delulu” is a mindset that transcends gender 🫰

exhibit A, your honor:

tool: our new career break calculator (it's also completely free)!!

quote: “your timeline isn’t broken, it’s just under renovation.” - someone on pinterest probably…

savvie beta wave 1: opening 11/15 !!!!!!!!!!!! early access list gets first dibs + lifetime founder pricing 💌 reply "ready" if you’re not already registered for the savvie scoop 📰

november isn't for finishing everything, it's for figuring out what actually matters 🍂

november is a bridge month. it’s where we take inventory of the year and realize not everything has to make it to december.

november is where we sit in the middle of the not-quite-done and the not-quite-new.so this month, instead of sprinting toward finish lines, we’ll just… walk 🚶‍♀️

run the numbers. rest your brain.
release the idea that you’re late. you’re not late, you’re just living!

so no, halloween doesn’t scare me :’) sometimes life jumps out in a clown mask yelling “surprise!” and suddenly you’re rethinking every plan you’ve ever made.
you call that a nightmare? same. but i also call that a tuesday in august.

but that fear of the unknown doesn’t mean you’re failing. if anything, it means you’re awake to what you’re creating.

every pivot, weird 4am idea, half-baked draft… it’s all part of it 🫶

here's to the unfinished projects, soon-to-be-balanced budgets, and unbothered cats who should've been recorded in the holy book.

this is the month for making peace with your pace, closing your laptop a lil earlier, spending money intentionally instead of impulsively, and figuring things out as you go.

so if you’re in your own messy middle right now, i’m right there with ya!
the fun news is that the middle tends to be where the magic lives 🪄

until next week (or, let’s be honest, probs next saturday),
callie 🤍

p.s. the savvie tools are live if you want a quiet little financial reality check

p.p.s. reply with your november energy using only emojis. mine’s 👙🦃📈🐈

p.p.p.s. forward this to someone who needs permission to submit the thing late bc late is better than never