Anyone else feel like January blinked and suddenly it’s almost February? Which means Galentine’s season and a reminder of how much our friendships carry us.

You have the friends who do outfit checks, remember your coffee order, send late-night voice notes, and handle emotional triage like pros. You’ll talk about relationships, kids, health scares, therapy breakthroughs, and everything in between. Your group chat covers it all. Outfit wins. Recipes. Gym accountability. The occasional 2 AM “you up?” when life gets heavy.

But somehow, no one ever types,
“Hey, are you maxing your employer match?”

Which made me wonder…
why is money still the last taboo in female friendship?

I started thinking about the friends who shape my life, and I realized each one fills a specific role.

The Outfit Check Friend
The one who elevates your style. She knows what’s trending and what actually works for you. When you text her a mirror selfie, she responds in seconds.

The Come-Over Friend
The one who feeds your soul. Her kitchen is a gathering place. Doesn’t matter if it’s takeout containers or a home-cooked three-course meal. Something about being at her table makes everything feel possible.

The Movement Companion
The one who keeps you moving. She never guilts you about skipping the gym. She just says, “Walk tomorrow?” and suddenly you’re logging steps and solving half your problems out loud.

The Safe Harbor
The one who holds space. No judging. You can show up messy, uncertain, even a little unhinged, and she just stays. The one you can laugh with until your stomach hurts and the tears roll down.

Four essential friendships. Four corners of my life fully covered.

But when I looked at the list honestly, I noticed who was missing.

I didn’t have a money friend.
Someone I could text, “I’m thinking about this,” and get thoughtful feedback.

A money friend isn’t a guru. She’s the one who says, “I just opened a high-yield savings account and I’m weirdly excited,” or asks, “Are you getting your full employer match?” over wine like it’s any other conversation.

Because it should be.

I didn’t have her. So I became her. For myself first, and now for the women around me.

Option 1: Do you have a money friend?
Pause for a moment and ask yourself:
If a money question came up today, who would you text?

If a name comes to mind, you already have one. Don’t worry if no name comes up.

Option 2: Take one tiny step
If you do have a money friend, send a simple text:

“Random question… I’m thinking about this money thing. Curious what you’ve done.”

If you don’t send a text, try one of these instead:

That’s it.