Let’s be real: the media loves a good panic headline. Especially when it comes to money. Every time we hear the word recession, there’s this collective breath-hold—like we’re bracing for impact. But here’s what I want you to know, woman to woman:

You are not powerless in the face of economic uncertainty. In fact, you’re more powerful than you’ve ever been told.

The truth is, women like us—women who lead with heart and think long-term—are uniquely built to thrive during times like these. We’re resilient. We’re resourceful. And when we’re armed with the right financial strategies, we don’t just weather downturns—we rise through them.

So let’s talk about how to recession-proof your finances, Femmillionaire-style. No jargon. No judgment. Just clarity, calm, and a little sacred strategy.

1. Get crystal clear on your cash flow

Knowing what’s coming in and what’s going out is not about restriction—it’s about reclaiming agency. If you’ve ever said, “I make good money, but I don’t know where it’s going,” you’re not alone.

Start by tracking your money for 30 days. Not with shame, but with curiosity. This isn’t about cutting lattes. It’s about identifying energy leaks—subscriptions you forgot about, spending that doesn’t align with your values, or areas where a simple shift could free up space.

2. Build your ease fund

Traditional financial language calls this an “emergency fund.” But around here, we call it an ease fund. Because when life throws a curveball—a job shift, a bathroom leak, a market dip—what we’re really after is ease.

Aim for 3–6 months of essential expenses tucked away in a high-yield savings account. If that feels overwhelming, start with one month. Small consistent steps create unshakeable confidence.

3. Protect your future income (especially if you’re the backbone of your household)

If you’re the matriarch—the one people turn to when it all hits the fan—then protecting your income isn’t optional, it’s sacred. That’s where strategies like Indexed Universal Life (IUL) come in. These are not just life insurance policies. They’re living legacy tools.

An IUL can grow with the market (without the risk of losing principal in a downturn), offer tax-advantaged income, and provide protection if the unexpected happens. It’s like a love letter to your future self—and your children.

4. Know your legacy is more than a will

Recession-proofing isn’t just about the numbers. It’s about peace of mind. It’s about knowing that if something happens to you, your family is held. Your business is protected. Your vision lives on.

Creating a living legacy plan (one that includes protection, growth, and meaning) is one of the most powerful moves you can make right now. And it doesn’t have to be overwhelming. You just need someone to walk beside you.

5. Don’t do it alone

Here’s the secret most traditional financial strategists miss: Money is deeply emotional. It’s tied to our stories, our relationships, our self-worth. That’s why I lead with heart and education—not sales. I want every woman I work with to feel seen, safe, and sovereign in her financial life.

So if you’re reading this and nodding, I see you. This is your permission slip to claim more.

More clarity. More calm. More control.

If you’re ready to recession-proof your finances with grace—not grind—let’s connect. Join me at an upcoming event or contact me to schedule a personal legacy session. We’ll map it all out—heart-first.

Because when a woman understands her money, she changes everything. And when she does it from a place of power and peace? That’s Recession Proof. That’s Femmillionaire.

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Linda Chevrier, Regional Vice President | Five Rings Financial, Founding Femmillionaire
Helping women turn wealth into a living legacy