March 27, 2025 ā¢ 13 mins
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Episode Transcript
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Speaker 1 (00:00):
She says spending $200 on a bag is basically free
because she used Afterpay.
He thinks leasing a $90,000 carwhile living with his mama is a
flex.
Welcome to the wild world ofgirl math and boy math, where
logic takes a backseat anddelusion wears designer.
But is it just a harmless trendor a symptom of something much
deeper, maybe even dangerous, inhow we handle money and
(00:23):
relationships today?
What's up, beautiful souls?
And welcome back to anotherpowerful and thought-provoking
episode of Life Points withRhonda, where we talk about all
things life, love and levelingup.
Today's episode is going to hita little different.
We're diving headfirst into theviral trend that's taken over
social media girl math and boymath.
(00:45):
It's funny, it's relatable,it's messy and, let's be real,
it's also raising some seriousred flags about how we justify
our financial decisions,especially in relationships.
Because while we're out herelaughing at the memes and
TikToks, some of us are alsoliving these habits in real life
.
Swiping cards, we can't afford,co-signing loans, we don't
(01:05):
understand or even romanticizingfinancial dysfunction as part
of the soft life or provider era.
So today we're unpacking thetruth behind the trend.
Is it comedy, is it chaos?
Or is it a subtle cry forfinancial literacy in a culture
obsessed with appearances.
Before we get into it, makesure you're subscribed to the
(01:27):
podcast on your favoritestreaming platform, whether it's
Apple Podcasts, spotify orAmazon, and don't forget to
check out the video version ofthis episode over on YouTube at
Life Points with Rhonda2968.
If you're vibing with thecontent, please leave a review.
It helps more people discoverthe podcast.
(01:48):
You can also follow me acrossall platforms Instagram,
facebook and Patreon under LifePoints with Rhonda and visit my
website atwwwlifepointswithrhondacom to
book your one-on-one coachingsession, sign up for courses or
shop the merch.
(02:09):
All right, let's get into it.
What is girl math and boy math?
Let's start with the basics.
If you've spent even fiveminutes on TikTok, instagram
Reels or X formerly Twitteryou've probably seen some
version of girl math is buying a$300 dress and returning it
after the wedding, sotechnically you made money.
Boy math is thinking hedeserves a submissive woman
(02:33):
while living off his ex'sNetflix password.
Funny, absolutely.
But let's pause and look closer.
These trends are essentiallyjokes, punchy, exaggerated
statements poking fun at how menand women justify questionable
decisions.
Girl math tends to lean intospending logic it was on sale,
so I saved money.
Meanwhile, boy math oftenhighlights unrealistic
(02:56):
expectations or ego-basedbehaviors.
He wants a traditional wifewhile bringing nothing
traditional to the table.
The internet eats it up.
But here's the kicker Behindevery laugh is a lesson.
Behind every viral soundbite issomeone actually living that
reality and maybe not realizingthey're setting themselves up
for emotional or financialdisaster.
(03:20):
Where did it start?
Girl Math actually started witha New Zealand radio show making
fun of how women justifypurchases.
Tiktok turned it global.
From there the trend evolvedinto Boy Math and the battle of
the genders exploded into ourfeeds.
Some examples Girl Math If Ipay with cash, it doesn't count.
(03:40):
Boy Math he's 36, dating a19-year-old and thinks she's the
immature one.
It's giving comedy, yes, butalso who?
It's giving coping mechanism.
These jokes are highlightingsomething we don't always want
to talk about the ways werationalize behavior that's
hurting us Financially,emotionally or relationally.
(04:03):
Real-life examples andrelationship implications.
Let's break it down in realterms Girl math and
relationships.
Justifying staying with someonewho drains your finances
because we've already beentogether this long.
Believing his money is ourmoney, but my money is my money.
Thinking a man's love is provenby how much he spends, even if
(04:26):
you're drowning in debt.
Together.
Boy math and relationshipsExpecting submission,
home-cooked meals and peacewhile contributing zero
emotional or financial stability.
Driving a luxury car with sixmissed payments but calling
women gold diggers, judgingwomen for wearing makeup while
hiding your credit score and sixsecret kids.
(04:47):
Let's be honest these aren'tjust jokes.
They're red flags in disguise.
If you and your partner can'thave real conversations about
money, if spending becomes asource of shame or manipulation,
or if financial habits arecausing silent resentment, it's
time to stop laughing and starthealing Red flags and financial
accountability.
So how do we know when it'sgone from funny to financially
(05:11):
fatal?
Here are a few red flags tolook out for.
You're always hiding purchasesor lying about money.
You're financially codependent,expecting your partner to save
you from your own spending.
Your idea of wealth is allaesthetic Clothes, cars, clout
but your bank account stays onlife support.
You believe love should replacelogic, especially when it comes
(05:32):
to money decisions.
Let's be real Financialintimacy is just as important as
emotional or physical intimacy.
If you can't budget together,save together or be honest about
spending habits, you'rebuilding your relationship on
sand the psychology behindmathing Our mess.
Let's go even deeper, becausethis trend didn't come out of
(05:53):
nowhere.
Why do we justify bad moneyhabits in the first place.
It's not just about gender,it's about emotions.
Many of us were never taughtfinancial literacy, but we were
definitely taught emotionalsurvival.
We learned how to self-soothewith spending, to flex when we
feel small, to hide shame withaesthetics and when emotions
like loneliness, anxiety orinadequacy show up, we swipe, we
(06:18):
spend, we rationalize.
That $600 wig, it wasn't justhair, it was a confidence
booster before the big interview.
That flashy chain, it wasn'tjust jewelry, it was a shield to
prove I made it, even if thebills say otherwise.
That constant treating peopleto meals and trips maybe it was
(06:38):
a cry for validation, notgenerosity.
We've confused self-care withself-sabotage validation, not
generosity.
We've confused self-care withself-sabotage.
We've equated materialism withself-worth.
And let's be real, the mathisn't just cute.
Sometimes it's trauma math.
So before we clown each otheronline, let's remember sometimes
what looks like a bad decisionis just an unhealed wound
wearing Gucci.
(06:59):
The more we understand thepsychology behind our choices,
the better we can break thecycle.
How to build real financialcharacter, not just credit
scores.
So now that we've laughed,reflected and gotten real, let's
talk about how we evolve,because healing your money
mindset doesn't mean becomingmiserly, it means becoming
(07:20):
aligned.
Here's how we start doing realmath, the kind that builds
legacy and love.
Create a relationship budget.
If you're in a relationship,you need to know how your money
habits interact.
Are you both savers?
Is one a spender?
Sit down and plan together Notjust date nights, but debt,
dreams and decisions.
Check your credit and yourcharacter.
(07:41):
Good credit without good habitsis a scam.
Can you be trusted with moneyand emotions?
Can you keep promises to yourpartner and to yourself?
Redefine what wealth looks like.
Wealth is not just vacations,bags and bottles.
It's peace.
It's financial freedom.
(08:16):
It's waking up without anxietyover overdraft.
Alerts more peace.
Subtract toxicity.
Multiply love.
Divide the weight of life witha partner who builds with you,
not breaks you.
Money, ego and identity.
Who are you without the math?
Let's take a moment and stripit all away the bag, the chain,
the credit card, the car, thegirl math, the boy math.
(08:39):
Who are you when nobody'swatching?
Can you still stand in yourpower without the purchase?
Can you still stand in yourpower without the purchase?
Can you still feel valuablewithout the validation?
This isn't just about money.
It's about identity, becausefor so many of us, our
self-worth got tangled up inmaterial things Somewhere along
the way.
We confused Success with stuff,love with lifestyle, power with
(09:02):
possessions.
But true wealth has nothing todo with price tags.
It's being able to sleeppeacefully because your soul is
aligned.
It's walking into a roomwithout needing labels to feel
important.
It's knowing that who you areis more valuable than anything
you wear.
So ask yourself am I performingrichness to feel important?
(09:23):
Am I curating a lifestyle Ican't actually afford just to
impress strangers?
Am I chasing aesthetics overauthenticity?
Because when we start livingfrom truth, not trends, our
lives and relationships begin toreflect the peace we've been
buying in pieces.
Legacy over lifestyle.
Teaching the next generationDifferent math Sis, let's talk
(09:48):
generational wealth and not justthe money kind.
Let's talk emotional wealth,spiritual wealth, wisdom wealth.
Because when we participate inthese viral math trends without
context or correction, we passthem down to our babies sons who
think ego is currency,daughters who think ego is
currency, daughters who thinklove is measured in receipts.
But you, you, have the power tobreak that cycle.
(10:09):
Teach them Saving is self-love,boundaries are budgeting,
accountability is abundance,financial honesty is sexy.
Partnership is not performance.
It's planning, building andgrowing together.
We don't need to raise kids whoflex.
We need to raise kids whounderstand the value of rest,
ownership, discipline anddelayed gratification.
(10:31):
Kids who can still laugh atgirl math and boy math, but who
grow up knowing real math, maththat adds peace, multiplies
opportunity and subtracts shame.
Shift from trendy thinking tofinancial empowerment.
It's time to flip the script.
Yes, laugh at the trend, havefun with it, but don't live in
(10:53):
it.
Instead of girl math, try grownwoman math.
If it's not in the budget, it'snot coming home.
Debt-free is the new designer.
My future self deserves peacemore than my present self
deserves impulse buys.
And instead of boy math, stepinto mature man math.
Providing isn't just money, it'spresence, protection and
(11:14):
planning.
You can't lead a household ifyou can't lead yourself.
Financial discipline ismasculine.
These aren't just money lessons, these are relationship lessons
.
These aren't just money lessons.
These are relationship lessonsBecause the way we spend, save
and share money says more aboutour self-worth than our
paychecks ever could.
How this ties into relationships.
Whether you're dating, marriedor in the soft launch talking
(11:37):
stage, your relationship withmoney will show up.
Are you partners or are youprojects?
Are you enabling each other'sdelusions or empowering each
other's dreams?
You can't build legacy love onfinancial lies.
You can't create generationalwealth with convenience store
habits.
You can't claim to want peaceif your spending brings chaos.
Love requires honesty, and thatincludes financial honesty,
(12:01):
because when we learn to manageour money better, we don't just
save dollars, we saverelationships, futures and our
own mental peace.
Final call to action If thisepisode resonated with you, make
sure to like, share andsubscribe wherever you're
listening, head over to YouTubeand hit that notification bell
at LifePoints with Rhonda 2968,so you don't miss any new
(12:24):
episodes.
Points with Rhonda two, nine,six, eight so you don't miss any
new episodes.
Follow me on Instagram,facebook and Patreon all under
life points with Rhonda andvisit the official site
wwwlifepointswithrhondacom formerch blog posts, one-on-one
coaching and to sign up forcourses that will change your
life.
Until next time, remember, sis,logic is sexy, discipline is
(12:47):
divine and delusion.
She says spending $200 on a bag is basically free
because she used Afterpay.
He thinks leasing a $90,000 carwhile living with his mama is a
flex.
Welcome to the wild world ofgirl math and boy math, where
logic takes a backseat anddelusion wears designer.
But is it just a harmless trendor a symptom of something much
deeper, maybe even dangerous, inhow we handle money and
(00:23):
relationships today?
What's up, beautiful souls?
And welcome back to anotherpowerful and thought-provoking
episode of Life Points withRhonda, where we talk about all
things life, love and levelingup.
Today's episode is going to hita little different.
We're diving headfirst into theviral trend that's taken over
social media girl math and boymath.
(00:45):
It's funny, it's relatable,it's messy and, let's be real,
it's also raising some seriousred flags about how we justify
our financial decisions,especially in relationships.
Because while we're out herelaughing at the memes and
TikToks, some of us are alsoliving these habits in real life
.
Swiping cards, we can't afford,co-signing loans, we don't
(01:05):
understand or even romanticizingfinancial dysfunction as part
of the soft life or provider era.
So today we're unpacking thetruth behind the trend.
Is it comedy, is it chaos?
Or is it a subtle cry forfinancial literacy in a culture
obsessed with appearances.
Before we get into it, makesure you're subscribed to the
(01:27):
podcast on your favoritestreaming platform, whether it's
Apple Podcasts, spotify orAmazon, and don't forget to
check out the video version ofthis episode over on YouTube at
Life Points with Rhonda2968.
If you're vibing with thecontent, please leave a review.
It helps more people discoverthe podcast.
(01:48):
You can also follow me acrossall platforms Instagram,
facebook and Patreon under LifePoints with Rhonda and visit my
website atwwwlifepointswithrhondacom to
book your one-on-one coachingsession, sign up for courses or
shop the merch.
(02:09):
All right, let's get into it.
What is girl math and boy math?
Let's start with the basics.
If you've spent even fiveminutes on TikTok, instagram
Reels or X formerly Twitteryou've probably seen some
version of girl math is buying a$300 dress and returning it
after the wedding, sotechnically you made money.
Boy math is thinking hedeserves a submissive woman
(02:33):
while living off his ex'sNetflix password.
Funny, absolutely.
But let's pause and look closer.
These trends are essentiallyjokes, punchy, exaggerated
statements poking fun at how menand women justify questionable
decisions.
Girl math tends to lean intospending logic it was on sale,
so I saved money.
Meanwhile, boy math oftenhighlights unrealistic
(02:56):
expectations or ego-basedbehaviors.
He wants a traditional wifewhile bringing nothing
traditional to the table.
The internet eats it up.
But here's the kicker Behindevery laugh is a lesson.
Behind every viral soundbite issomeone actually living that
reality and maybe not realizingthey're setting themselves up
for emotional or financialdisaster.
(03:20):
Where did it start?
Girl Math actually started witha New Zealand radio show making
fun of how women justifypurchases.
Tiktok turned it global.
From there the trend evolvedinto Boy Math and the battle of
the genders exploded into ourfeeds.
Some examples Girl Math If Ipay with cash, it doesn't count.
(03:40):
Boy Math he's 36, dating a19-year-old and thinks she's the
immature one.
It's giving comedy, yes, butalso who?
It's giving coping mechanism.
These jokes are highlightingsomething we don't always want
to talk about the ways werationalize behavior that's
hurting us Financially,emotionally or relationally.
(04:03):
Real-life examples andrelationship implications.
Let's break it down in realterms Girl math and
relationships.
Justifying staying with someonewho drains your finances
because we've already beentogether this long.
Believing his money is ourmoney, but my money is my money.
Thinking a man's love is provenby how much he spends, even if
(04:26):
you're drowning in debt.
Together.
Boy math and relationshipsExpecting submission,
home-cooked meals and peacewhile contributing zero
emotional or financial stability.
Driving a luxury car with sixmissed payments but calling
women gold diggers, judgingwomen for wearing makeup while
hiding your credit score and sixsecret kids.
(04:47):
Let's be honest these aren'tjust jokes.
They're red flags in disguise.
If you and your partner can'thave real conversations about
money, if spending becomes asource of shame or manipulation,
or if financial habits arecausing silent resentment, it's
time to stop laughing and starthealing Red flags and financial
accountability.
So how do we know when it'sgone from funny to financially
(05:11):
fatal?
Here are a few red flags tolook out for.
You're always hiding purchasesor lying about money.
You're financially codependent,expecting your partner to save
you from your own spending.
Your idea of wealth is allaesthetic Clothes, cars, clout
but your bank account stays onlife support.
You believe love should replacelogic, especially when it comes
(05:32):
to money decisions.
Let's be real Financialintimacy is just as important as
emotional or physical intimacy.
If you can't budget together,save together or be honest about
spending habits, you'rebuilding your relationship on
sand the psychology behindmathing Our mess.
Let's go even deeper, becausethis trend didn't come out of
(05:53):
nowhere.
Why do we justify bad moneyhabits in the first place.
It's not just about gender,it's about emotions.
Many of us were never taughtfinancial literacy, but we were
definitely taught emotionalsurvival.
We learned how to self-soothewith spending, to flex when we
feel small, to hide shame withaesthetics and when emotions
like loneliness, anxiety orinadequacy show up, we swipe, we
(06:18):
spend, we rationalize.
That $600 wig, it wasn't justhair, it was a confidence
booster before the big interview.
That flashy chain, it wasn'tjust jewelry, it was a shield to
prove I made it, even if thebills say otherwise.
That constant treating peopleto meals and trips maybe it was
(06:38):
a cry for validation, notgenerosity.
We've confused self-care withself-sabotage validation, not
generosity.
We've confused self-care withself-sabotage.
We've equated materialism withself-worth.
And let's be real, the mathisn't just cute.
Sometimes it's trauma math.
So before we clown each otheronline, let's remember sometimes
what looks like a bad decisionis just an unhealed wound
wearing Gucci.
(06:59):
The more we understand thepsychology behind our choices,
the better we can break thecycle.
How to build real financialcharacter, not just credit
scores.
So now that we've laughed,reflected and gotten real, let's
talk about how we evolve,because healing your money
mindset doesn't mean becomingmiserly, it means becoming
(07:20):
aligned.
Here's how we start doing realmath, the kind that builds
legacy and love.
Create a relationship budget.
If you're in a relationship,you need to know how your money
habits interact.
Are you both savers?
Is one a spender?
Sit down and plan together Notjust date nights, but debt,
dreams and decisions.
Check your credit and yourcharacter.
(07:41):
Good credit without good habitsis a scam.
Can you be trusted with moneyand emotions?
Can you keep promises to yourpartner and to yourself?
Redefine what wealth looks like.
Wealth is not just vacations,bags and bottles.
It's peace.
It's financial freedom.
(08:16):
It's waking up without anxietyover overdraft.
Alerts more peace.
Subtract toxicity.
Multiply love.
Divide the weight of life witha partner who builds with you,
not breaks you.
Money, ego and identity.
Who are you without the math?
Let's take a moment and stripit all away the bag, the chain,
the credit card, the car, thegirl math, the boy math.
(08:39):
Who are you when nobody'swatching?
Can you still stand in yourpower without the purchase?
Can you still stand in yourpower without the purchase?
Can you still feel valuablewithout the validation?
This isn't just about money.
It's about identity, becausefor so many of us, our
self-worth got tangled up inmaterial things Somewhere along
the way.
We confused Success with stuff,love with lifestyle, power with
(09:02):
possessions.
But true wealth has nothing todo with price tags.
It's being able to sleeppeacefully because your soul is
aligned.
It's walking into a roomwithout needing labels to feel
important.
It's knowing that who you areis more valuable than anything
you wear.
So ask yourself am I performingrichness to feel important?
(09:23):
Am I curating a lifestyle Ican't actually afford just to
impress strangers?
Am I chasing aesthetics overauthenticity?
Because when we start livingfrom truth, not trends, our
lives and relationships begin toreflect the peace we've been
buying in pieces.
Legacy over lifestyle.
Teaching the next generationDifferent math Sis, let's talk
(09:48):
generational wealth and not justthe money kind.
Let's talk emotional wealth,spiritual wealth, wisdom wealth.
Because when we participate inthese viral math trends without
context or correction, we passthem down to our babies sons who
think ego is currency,daughters who think ego is
currency, daughters who thinklove is measured in receipts.
But you, you, have the power tobreak that cycle.
(10:09):
Teach them Saving is self-love,boundaries are budgeting,
accountability is abundance,financial honesty is sexy.
Partnership is not performance.
It's planning, building andgrowing together.
We don't need to raise kids whoflex.
We need to raise kids whounderstand the value of rest,
ownership, discipline anddelayed gratification.
(10:31):
Kids who can still laugh atgirl math and boy math, but who
grow up knowing real math, maththat adds peace, multiplies
opportunity and subtracts shame.
Shift from trendy thinking tofinancial empowerment.
It's time to flip the script.
Yes, laugh at the trend, havefun with it, but don't live in
(10:53):
it.
Instead of girl math, try grownwoman math.
If it's not in the budget, it'snot coming home.
Debt-free is the new designer.
My future self deserves peacemore than my present self
deserves impulse buys.
And instead of boy math, stepinto mature man math.
Providing isn't just money, it'spresence, protection and
(11:14):
planning.
You can't lead a household ifyou can't lead yourself.
Financial discipline ismasculine.
These aren't just money lessons, these are relationship lessons
.
These aren't just money lessons.
These are relationship lessonsBecause the way we spend, save
and share money says more aboutour self-worth than our
paychecks ever could.
How this ties into relationships.
Whether you're dating, marriedor in the soft launch talking
(11:37):
stage, your relationship withmoney will show up.
Are you partners or are youprojects?
Are you enabling each other'sdelusions or empowering each
other's dreams?
You can't build legacy love onfinancial lies.
You can't create generationalwealth with convenience store
habits.
You can't claim to want peaceif your spending brings chaos.
Love requires honesty, and thatincludes financial honesty,
(12:01):
because when we learn to manageour money better, we don't just
save dollars, we saverelationships, futures and our
own mental peace.
Final call to action If thisepisode resonated with you, make
sure to like, share andsubscribe wherever you're
listening, head over to YouTubeand hit that notification bell
at LifePoints with Rhonda 2968,so you don't miss any new
(12:24):
episodes.
Points with Rhonda two, nine,six, eight so you don't miss any
new episodes.
Follow me on Instagram,facebook and Patreon all under
life points with Rhonda andvisit the official site
wwwlifepointswithrhondacom formerch blog posts, one-on-one
coaching and to sign up forcourses that will change your
life.
Until next time, remember, sis,logic is sexy, discipline is
(12:47):
divine and delusion.
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