What we can learn from Cardi B’s money style

What we can learn from Cardi B’s money style

by Verve

You’ve probably heard of Cardi B, or at least heard her music before. Her popular tracks Bodak Yellow and Money have been played at every bar, club and on almost every radio station. 

At just 30 years old, Cardi B has amassed a net worth of $40 million dollars through her music, acting, real estate investments, and sponsorship deals with brands like Uber Eats, Pepsi and Fashion Nova. 
On top of being a successful hip-hop and rap artist, she also gives out some money advice in her songs and on her Twitter page. So, let’s look at Cardi B’s songs Money and Bodak Yellow and see what we can learn from her money style.

All things money with Cardi B 

From loving money to striving for financial independence, here’s what we can learn from Cardi B’s money style.

1. It’s ok to love money

There can be a lot of shame around money. No matter what our salary or wage looks like, thinking and talking about money is often loaded with complex emotions. But, there’s actually nothing wrong with loving money. After all, money is a mechanism for unlocking what’s important to you.

And, ‘Money’ is an anthem about working hard to get money and actually loving it. 

“I was born to flex, diamonds on my neck
I like boardin’ jets, I like mornin’ sex
But nothing in this world that I like more than checks
All I really wanna see is the (money)”

Aside from the glamorous things Cardi can buy with her wealth, she still talks about wanting more and she even ties it back to setting her daughter, Kulture, up for the future. 

Moral of the song? There’s nothing shameful about desiring money.

2. Money isn’t just a man’s thing 

From investing to financial independence, traditionally money (like the hip hop industry) has been seen as a ‘man’s game’. But, just like Cardi emerged in the male-dominated RnB and Rap industry to carve her own space out, money doesn’t have to be a man’s game either. 

Don’t take it from us, take it from Cardi when she says:

“All a bad bitch need is the (money)” 

At the end of the day, one of the most empowering things you can do is work towards financial independence, carve out your own space and learn how to live a wealthy life (whatever that means for you).

3. Your past doesn’t define you

Now, it’s over to Cardi’s other hit song ‘Bodak Yellow’; she talks about coming from humble beginnings and what her life was like before she became famous.

“Look, I don’t dance now
I make money moves (ayy, ayy)
Say I don’t gotta dance
I make money move”

It’s a powerful anthem that talks about how you can build wealth from any starting point, and make incremental changes over time, no matter your background.  

4. Own your value

One of the most valuable lessons we can learn from Cardi B is that she knows her worth and has fostered a confident money mindset. Sometimes, we can struggle with asking for what we want, whether to get paid the same as our male counterparts or be compensated for our expertise. 

But, Cardi understands that she’s worth a lot and wants to be paid for it. 

“You know where I be
You in the club just to party
I’m there, I get paid a fee
I be in and out them banks so much
I know they’re tired of me”

Cardi charges between $1 and $ 2 million for private performances and is paid $20,00 a month to wear Fashion Nova clothes and promote it to her Instagram followers. 

While this isn’t the reality for most of us, it is a helpful reminder that being confident about your money choices isn’t something to shy away from.

5. Invest in growing more wealth

If you’ve been to Cardi’s Twitter before, you’ll know she talks a lot about money. She also talks about investing in growing her wealth and setting her children up for success. 

She’s given advice to young people on Twitter to invest in their education and financial literacy. She also talks about investing in real estate, the stock market and businesses. 

Now we can’t invest in Birkin bags like Cardi does and wait for their value to increase, but we can start with smaller investments to grow our wealth

We did a deep dive into Cardi’s songs ‘Money’ and ‘Bodak Yellow’ and even looked at some of her money-related posts on Twitter. 

What we wish Cardi B would say more of

As good as Cardi B’s money style is, there are a couple of things she missed in her songs and her Tweets.

We tend to think that when we get money we will instantly be happier. But, happiness doesn’t really come from wealth. Money is a mechanism for achieving your goals, not a recipe for happiness. 

The reality is that earning a certain amount or bringing home a bigger paycheck isn’t likely to unlock long-term joy. Instead, it’s about using money to unlock freedom, flexibility and the ability to prioritise what you value most.

Money won’t buy you happiness, but it does give you options and the ability to make proactive choices about how you spend your time.

Cardi B’s songs reveal some valuable lessons and insights on money and how loving money and earning it doesn’t have to be shameful. Instead, we should all strive to save more and plan for the future, gain financial independence, and remember that money certainly isn’t just a man’s game.

This article is published by Verve Money Pty Ltd (ABN 71 653 669 366, AFS Representative No. 001294184), a Corporate Authorised Representative of True Oak Investments Ltd (ABN 81 002 558 956; AFSL 238184), as the Manager of Verve Money. A friendly reminder that all the financial information contained in this article is general in nature and does not take into account your personal financial objectives, situation or needs. It’s important to do your own research and consider getting in touch with a professional adviser to access specific information tailored to your unique situation.

You should read the Product Disclosure Statement, Investment Guide, Target Market Determination and Financial Services Guide before making a decision to acquire, hold, or continue to hold, an interest in the Verve Money Fund. Visit www.vervemoney.com.au/documents to view these documents.

Interests in the Verve Money Fund (ARSN 662 622 899) are issued by Melbourne Securities Corporation Limited (ACN 160 326 545, AFSL 428289). When considering financial returns, return of capital is not guaranteed and past performance is not indicative of future performance.

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