01
FINANCIAL FIT
30Available style money = allowance + saved rollover − already spent.
Purchase coverage: 100% 30 · 75–99% 24 · 50–74% 18 · below 50% 8
Life not funded or carried debt: 0 + hard stop. Catching up is capped at 18.
CALM. FUNDED. FABULOUS.
THE RICH BITCH PURCHASE TEST
Run the RB Math.
Answer the questions. Get the verdict. Then calculate what this decision could cost Future You. No shame. No fantasy math. No looking rich at the expense of becoming rich.
WORTH ITDUPE ITSKIP & STACK
CALCULATE MY DECISION ↓HOW TO RUN THE CODE
Three moves. One expensive truth.
The price tag tells you what it costs today. Regina shows whether it earns the yes—and what the same money could become.
- 01ANSWER THE NOSY QUESTIONS
Give us the item, price, honest wears, real budget and closet facts. Better inputs. Better verdict.
- 02GET CALLED OUT
Regina scores 100 personalized points and serves WORTH IT, DUPE IT or SKIP & STACK.
- 03CALCULATE THE REAL COST
Change the amount you could save and see its hypothetical value in 5, 10, 20 and 30 years.
RICH BITCH RULE: A skip is not a stack until the money gets a new job.
RUN THE RB MATH
01 / 05The Want
REGINA SAYS: Fantasy You does not get to estimate the wears. Real-life You does.
THE PERSONALIZED RB METHODOLOGY · V2
You choose the emphasis. Regina keeps the standards.
Your RB Mode changes how the four categories share 100 points. Your income, clothing allowance and current spending make Financial Fit personal. Hard stops never disappear.
ACTIVE MODE · BALANCED RB
30+25+25+20=100
02
WEAR VALUE
25Cost per wear = price ÷ honest expected wears.
Raw score: ≤ $5 25 · ≤ $10 21 · ≤ $20 16
≤ $35 10 · above $35 4. The raw percentage is reweighted to your mode.
03
CLOSET CAPITAL
25Role: real gap 8 · upgrade 6 · duplicate 0
Outfits: 5+ 12 · 3–4 8 · 0–2 3
Quality: lasting 5 · seasonal 2 · unsure 0. Raw maximum: 25.
04
EMOTIONAL CLARITY
20Wanted before today: yes 10 · no 3
No sale pressure 5 · pressure present 0
No true dupe 5 · weaker 4 · equal 0. Raw maximum: 20.
THE DECISION ORDER
The score informs the verdict. It does not overrule reality.
- 1
Hard stop first. Carried debt, an unfunded life, a weak duplicate with 0–2 outfits, or an unplanned pressure purchase scoring below 65 becomes SKIP & STACK.
- 2
Then check the alternative. A genuinely comparable lower-priced option becomes DUPE IT.
- 3
Then clear every bar. No hard stop, no Reality Override, no true dupe, 75+ total points and 100% purchase funding becomes WORTH IT.
- 4
Everything else: SKIP & STACK. The item has not earned the money yet.
THE FUTURE YOU FORMULA
One amount now + an optional monthly habit.
The calculator separates what you put in from hypothetical growth, then shows both at 5, 10, 20 and 30 years. No more mixing one-time, annual and repeated-skip examples.
01SET IT
Start with the item price or dupe difference, then type the amount you can really redirect.
02STACK IT
Add a monthly amount—or leave it at $0 to test this choice once.
03SEE IT
Compare your contributions, growth and total across all four milestones.
Return assumptions are adjustable illustrations, not promises. The clearest plan is the one you can actually repeat.
“Don’t look rich at the expense of becoming rich.”
01
BUY BETTER
Strategic pieces earn their price through use, fit and longevity.
02
FUND YOUR LIFE
Your closet belongs inside a life that already has financial infrastructure.
03
STACK THE DIFFERENCE
A skip is not a stack until the money gets a new job.
Calm. Funded. Fabulous.
Spend with style. Build with intention. Let the math earn the yes.