{"id":23512,"date":"2025-12-04T18:59:19","date_gmt":"2025-12-04T18:59:19","guid":{"rendered":"https:\/\/finderica.com\/?p=23512"},"modified":"2025-12-04T18:59:19","modified_gmt":"2025-12-04T18:59:19","slug":"level-up-your-finances-to-reflect-the-quarter-zip-and-matcha-trend","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=23512","title":{"rendered":"Level Up Your Finances to Reflect the \u2018Quarter-Zip and Matcha\u2019 Trend"},"content":{"rendered":"<div>\n<p><span><span class=\"italic\">The investing information provided on this page is for educational purposes only. SS, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.<\/span><\/span><\/p>\n<p><span>As the weather turned colder, a social media trend suggested a new style choice for young men: Replace your casual athletic wear with a quarter-zip, and you\u2019ll feel more mature and professional. Sip a matcha drink to complete the look.<\/span><\/p>\n<p><span>As the &#8216;quarter-zip and matcha&#8217; trend took off on TikTok and social media, the Nerds at SS started to wonder: How can your personal finances also reflect this trend? What would it mean to level up your bank account along with your outfit?<\/span><\/p>\n<p><span>We talked to financial experts and came up with six ways to make your finances as mature as your new wardrobe. <\/span><\/p>\n<div class=\"mb-4\">\n<h2 class=\"heading font-gotham-display text-[1.5rem] font-bold\">Stop comparing yourself to others<\/h2>\n<\/div>\n<p><span>\u201cOverspending and debt is closely tied to caring what other people say about you,\u201d says D\u2019Andre Clayton, co-founder of Clayton Financial Solutions in Greensboro, North Carolina. <\/span><\/p>\n<p><span>Part of growing up, he says, is letting go of concern about what your peers think about your clothing and lifestyle choices. <\/span><\/p>\n<p><span>\u201cYou realize you get to make your own decisions and not worry about your peers judging it,\u201d he says. \u201cThe earlier you recognize that, the better for your situation,\u201d he adds, because you\u2019re less likely to purchase items based on image.<\/span><\/p>\n<div class=\"mb-4\"><span>When you\u2019re not \u201ckeeping up with the Joneses,\u201d he says, it\u2019s easier to accumulate savings and avoid debt. <\/span><\/div>\n<div class=\"mb-4\">\n<div data-nw-tracking=\"{&quot;impression&quot;:{&quot;event&quot;:&quot;feature_viewed&quot;,&quot;properties&quot;:{&quot;entity_name&quot;:&quot;wp_dynamic_placement&quot;,&quot;content_id&quot;:1741835}}}\"><astro-island uid=\"1Xz1nY\" prefix=\"r25\" component-url=\"https:\/\/www.nerdwallet.com\/sp\/assets\/UserSegmentConditionalImpl.lFmHbGDG.js\" component-export=\"default\" renderer-url=\"https:\/\/www.nerdwallet.com\/sp\/assets\/client.hOvpQ7AO.js\" props=\"{&quot;segmentExpression&quot;:[1,[[0,{&quot;type&quot;:[0,&quot;user_is_on_app&quot;],&quot;value&quot;:[0,false]}]]]}\" ssr=\"\" client=\"load\" opts=\"{&quot;name&quot;:&quot;UserSegmentConditionalImpl&quot;,&quot;value&quot;:true}\" await-children=\"\"><astro-slot><\/p>\n<div class=\"max-w-3xl rounded border border-neutral-200 p-4 bg-white\" id=\"user-engagement-banner\" data-nw-tracking=\"{&quot;impression&quot;:{&quot;event&quot;:&quot;User Engagement House Ad Viewed&quot;,&quot;setEventGroupId&quot;:&quot;96051a0a-8644-4bc3-a2aa-511ebfa7727f&quot;,&quot;properties&quot;:{&quot;entity_name&quot;:&quot;app_download_banner&quot;,&quot;event_name&quot;:&quot;User Engagement House Ad Viewed&quot;,&quot;segment_attributes&quot;:{&quot;banner_variant&quot;:&quot;UE_NetWorth_E&quot;}}},&quot;click&quot;:{&quot;event&quot;:&quot;User Engagement House Ad CTA Clicked&quot;,&quot;properties&quot;:{&quot;entity_name&quot;:&quot;app_download_banner&quot;,&quot;action&quot;:&quot;click&quot;,&quot;interaction_type&quot;:&quot;click&quot;,&quot;event_name&quot;:&quot;User Engagement House Ad CTA Clicked&quot;,&quot;parent_event_id&quot;:&quot;96051a0a-8644-4bc3-a2aa-511ebfa7727f&quot;,&quot;segmentAttributes&quot;:{&quot;banner_variant&quot;:&quot;UE_NetWorth_E&quot;}}}}\">\n<div class=\"grid grid-cols-1 gap-4 md:grid-cols-[1fr_300px]\">\n<div class=\"flex flex-col gap-2\">\n<h3 class=\"heading font-gotham-display text-base font-bold\">Stress less. Track more.<\/h3>\n<p><span>See the full picture: savings, debt, investments and more. Smarter money moves start in our app.<\/span>  <astro-island uid=\"1t1b2W\" prefix=\"r23\" component-url=\"https:\/\/www.nerdwallet.com\/sp\/assets\/UserEngagementCtaButton.D-Y-a7sT.js\" component-export=\"default\" renderer-url=\"https:\/\/www.nerdwallet.com\/sp\/assets\/client.hOvpQ7AO.js\" props=\"{&quot;buttonText&quot;:[0,&quot;get the app today&quot;],&quot;buttonAction&quot;:[0,&quot;open-app-download-modal&quot;],&quot;buttonUrl&quot;:[0,&quot;https:\/\/click.nerdwallet.com\/3687710914\/drne3wn9&quot;],&quot;qrCodeImageUrl&quot;:[0,&quot;https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2025\/01\/UEX_cash_flow.png&quot;]}\" ssr=\"\" client=\"load\" opts=\"{&quot;name&quot;:&quot;UserEngagementCtaButton&quot;,&quot;value&quot;:true}\" await-children=\"\"><button class=\"w-full text-xs-half bg-green-700 px-4 py-4 text-white font-semibold hover:bg-green-800\">GET THE APP TODAY<\/button><!--astro:end--><\/astro-island>   <\/div>\n<figure class=\"flex flex-col\">\n<div class=\"flex-1 overflow-hidden bg-cover bg-top bg-no-repeat bg-neutral-lightest relative\" style=\"\">\n<div class=\"h-full w-full\">  <\/div>\n<\/p><\/div>\n<\/figure><\/div>\n<\/p><\/div>\n<p> <\/astro-slot><!--astro:end--><\/astro-island><\/div>\n<\/div>\n<div class=\"mb-4\">\n<h2 class=\"heading font-gotham-display text-[1.5rem] font-bold\">Align your spending with your values<\/h2>\n<\/div>\n<p><span>Once you let go of trying to follow others\u2019 expectations, you can focus on your own values, Clayton says. <\/span><\/p>\n<p><span>\u201cA lot of our money goes into the trash can just because we bought more than we needed,\u201d he says. For example, if you don\u2019t drink alcohol, don\u2019t buy cocktail supplies to impress your guests. If you don\u2019t love fancy leather brands, skip the expensive boots and bags your friends are buying.<\/span><\/p>\n<p><span>Also, leave the fancy cars at the dealership, says Andi Wrenn, an accredited financial counselor and founder of Coaching Capability in the Raleigh, North Carolina area. <\/span><\/p>\n<div class=\"mb-4\"><span>\u201cFind the less expensive model of the car you like,\u201d she says. Otherwise, car payments can eat into your monthly budget. <\/span><\/div>\n<div class=\"mb-4\">\n<h2 class=\"heading font-gotham-display text-[1.5rem] font-bold\">Upgrade your kitchen skills<\/h2>\n<\/div>\n<p><span>Another category that can quickly absorb your paycheck is meals out, Clayton warns. Dining at restaurants, picking up takeout and ordering delivery can add up. <\/span><\/p>\n<p><span>He urges young people to learn how to cook. <\/span><\/p>\n<p><span>\u201cWhen you\u2019re college-age, you\u2019re probably eating a lot of noodles, but you can\u2019t live off ramen forever,\u201d he says. <\/span><\/p>\n<div class=\"mb-4\"><span>Learning to make nutritious meals from grocery store ingredients can help stretch your budget and also help keep you healthy, he adds. <\/span><\/div>\n<p><span>Up your game to some slow cooker meals (check social media for easy ideas) to bring more variety to your plate. <\/span><\/p>\n<p><span>Getting into the routine of setting aside a portion of your paycheck each month can set you up well for the rest of your life, says Kevin Estes, certified financial planner and founder of Scaled Finance, LLC in the Seattle area.<\/span><\/p>\n<p><span>And if you get a raise or bonus at work, aim to save 50% of the extra pay. Saving a cash reserve of three to six months\u2019 worth of expenses is a good goal, he adds. <\/span><\/p>\n<p><span>\u201cWe don\u2019t know if it\u2019s going to be used for emergencies or opportunities,\u201d he says. <\/span><\/p>\n<p><span>Also, it can help if your friends are frugal too, Wrenn says.<\/span><\/p>\n<p><span>When you spend time with people with similar goals to you, it\u2019s easier to control your own spending, she says. You can have a game night at home instead of going out and spending a lot at restaurants and bars. <\/span><\/p>\n<div class=\"mb-4\">\n<h2 class=\"heading font-gotham-display text-[1.5rem] font-bold\">Pay off high-interest debt<\/h2>\n<\/div>\n<p><span>\u201cFrom a cash-flow perspective, don\u2019t fret so much with student loans because interest rates tend to be low,\u201d he says. <\/span><\/p>\n<p><span>Instead, focus on paying off credit cards and any personal loans with high interest rates. <\/span><\/p>\n<p><span>If you have multiple credit card payments, it might make sense to consolidate them onto a balance transfer card with a low promotional rate, he adds.<\/span><\/p>\n<div class=\"mb-4\">\n<h2 class=\"heading font-gotham-display text-[1.5rem] font-bold\">Start saving for retirement<\/h2>\n<\/div>\n<div class=\"mb-4\"><span>While retirement might be decades off for most people participating in the quarter-zip social media movement, it\u2019s still important to get started, Clayton says.<\/span><\/div>\n<p><span>\u201cIf your job offers a 401(k) and good matching, then absolutely contribute,\u201d he says. You can start small and slowly increase your contributions over time as you\u2019re able to, he adds. <\/span><\/p>\n<div class=\"mb-4\"><span>Consider saving through a Roth IRA if you don\u2019t have access to a 401(k), Wrenn says. A Roth IRA allows you to make after-tax contributions, which you can withdraw tax-free in retirement. <\/span><\/div>\n<p><span>\u201cWhen you\u2019re earning less money in your 20s, it\u2019s a fantastic time to have a Roth IRA,\u201d Wrenn says. \u201cThe impact of compound interest is huge. You\u2019ll be able to do whatever you want in your future.\u201d <\/span><\/p>\n<p><span>The singer T-Pain gets it.<\/span><\/p>\n<p><span>He posted a photo of himself in a textured navy quarter-zip alongside the caption, \u201c401k and a quarter zip.\u201d <\/span><\/p>\n<p><span>(Photo by Jeff Spicer\/Getty Images)<\/span><\/p>\n<\/div>\n<p><a href=\"https:\/\/www.nerdwallet.com\/finance\/learn\/quarter-zip-trend\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The investing information provided on this page is for educational purposes only. SS, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments. As the weather turned colder, a social media trend suggested a new style choice for young men:<\/p>\n","protected":false},"author":1,"featured_media":23513,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[195],"tags":[1391,3791,7837,9050,3187,2246],"class_list":{"0":"post-23512","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-finances","9":"tag-level","10":"tag-matcha","11":"tag-quarterzip","12":"tag-reflect","13":"tag-trend"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/23512","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23512"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/23512\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/23513"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23512"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23512"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23512"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}