Recessions are out of our immediate control and though it seems unfair, there's still no Sims-esque hack for multiplying our money (we'll let you know as soon as we find one). There are however, a few things we can do to optimize our financial support system – here are some hacks.


Since COVID-19, over 36.5 million Americans have been made unemployed. In market recessions, not every job is sustainable, and any of the business's non-essentials are first to go.

Prepare for a hit by strengthening your standing (recession or no recession):

  • Build on what you have: expand your skillset by utilizing free online tutorials and/or grow your LinkedIn network so that you’re always on a load of people’s radar.
  • Start a side hustle: whether it’s a passion project or purely practical, extra money can come in from things like babysitting, cooking for delivery and running errands. By having multiple sources of income, if one takes a hit you have the other to aid you.


Philz Coffee is great, but do you need two every Friday? 70% of Americans have banking apps to keep track of their spending. Being aware of how much is in your account is great, but if you’re not managing or budgeting too then the 'keeping track' part is probably going to look like you squinting with sweaty palms as your bank balance loads.

(Clears throat) Cleo will give you personalized updates, advice on spending reactive to how you feel about certain purchases, automatically put a little money aside when you spend somewhere you’ve said you don’t want to AND roast you for going to McDonald's five times in one week.

She’ll also always hype you for getting by or thriving, she wants you to succeed.


If you’re feeling anxious about money right now, you’re not alone. 3 in 10 American adults don’t have a spare $1,000 to cover an unexpected emergency. Here’s how to get some savings started whenever you have a little to roll with.

  • Funnel small (can be small small, like teeny tiny small, whatever you can manage) into a savings account each month consistently.
  • Find a savings account with a high interest rate.
  • Find a savings account with no penalties or restrictions.


35% of your credit score is your payment history. This may come as great news to some of you – just because the world’s on it’s a** right now, doesn’t mean your score or your future you has to suffer.

The way credit scores are calculated may not always seem sensible, but they matter. A good credit score opens all kinds of doors to when it comes to borrowing money, including lower interest rates and penalties. Here's how to play:

  • Get a credit card, keep the balance real low, and pay it off regularly.
  • Not everyone can do anything other than pay the bills at the moment, but luckily another best practice is to pay your bills on time in full. This stuff matters.

We want to help you through this – got any questions? Hit us up here.