Core Insights - The central thesis emphasizes that financial independence provides individuals, particularly marginalized groups and women, with options and opportunities in life [1][8]. Financial Freedom and Empowerment - Tori Dunlap achieved financial freedom by saving $100,000 by the age of 25, which allowed her to leave the corporate world while still actively working on her business [2][3]. - The initiative "Her First 100 K" aims to empower women by providing financial education and resources, helping over 5 million women improve their financial literacy [3][8]. Income Strategies - Multiple streams of income are highlighted as crucial for achieving financial goals, especially in light of economic instability and potential job loss [11][12]. - Dunlap emphasizes the importance of negotiating salaries and saving a significant portion of income, with her peak savings rate being 27% of her take-home pay [5][6]. Financial Management Advice - Establishing an emergency fund is deemed essential, with a recommendation of saving three months' worth of living expenses in a high-yield savings account [17][18]. - The advice against focusing solely on small expenses, like lattes, as the reason for financial struggles is criticized for being sexist and oversimplified [19]. Investment Strategies - The financial game plan suggests prioritizing contributions to a 401(k) with employer matching after establishing an emergency fund, even before paying off high-interest debt [21][22]. - For debts with interest rates below 7%, investing is prioritized over paying off those debts, as potential market returns can exceed the cost of the debt [22][23]. Financial Habits - Regular financial check-ins, termed "money dates," are recommended to monitor cash flow and set financial goals [24]. - There is a call for increased investment among women, as many are not participating in the market, which contributes to financial disparities [24].