Tonya Rapley Teaches Brit About Getting Out of Debt

Contrary to what you might have been taught, you don't have to entirely cut fun things out of your life in order to save money. Doing so might actually have the opposite effect: you could burn out and spend way more than you would have if you simply added spending into your budgeted.

"If it’s a splurge that you’re obsessed with and will up your quality of life — then let’s figure out how much it costs and how you’re going to pay for it," Sacks says. She recommends the 50-30-20 method for your budget.

"Start by calculating your after-tax income and break it into 3 categories: 50% for needs, 30% for wants, and 20% for future you!" she continues. "That 30% number is what we are going to focus on. That’s the amount you can spend every month on…whatever you want. This splurge included! Just make sure you don’t go over that number because you should never spend on your current self if you’re not also putting money away for future you."

Saving Up For Your Financial Goals

Budgeting helps you divide up your savings before the money goes into your account. That way, you always know what you're saving for. (It's also a good idea to have extra savings because you never know when your car will need a new battery or if you'll have an unexpected trip to the ER).

Saving requires some self-control since it's money you aren't able to spend right now, and it can be difficult to release your current spending habits. "[That stubbornness] really just comes from a fear of the unknown," Sacks says. "We often choose what is comfortable over what’s new! But the more you understand why you’re doing something, the more that stubbornness can be released." Here are some specific financial goals to save up for:

Goal: Becoming Debt-Free

Think how much more money you'll have to save *and* spend once your debt is paid off! Check out the snowball method vs. the avalanche method to figure out what's best for you, and just take it one day at a time.

Goal: Taking A Bucket-List Trip

Whether you've been dreaming of going to France since Emily in Paris dropped or you want to go on a solo trip to your favorite small town, you'll definitely want enough cash to have a good time. You can't go wrong spending money on an experience you'll love.

Goal: Scoring Tix To See Your Favorite Performer

Concert merch, movie tickets, name brand collections — start saving now for these once-in-a-lifetime events and your future self will thank you.

How To Start Investing

Investing is different than a regular savings account. When you invest your money, instead of just sitting in an account, it's put to work in a variety of projects so that you make a net profit and end up with more money than you had before. You can invest with a retirement plan, or government-related options like stocks and bonds. Here's some more investing info to get you started.

Consider getting a financial advisor early in life. Financial advisors can really make a difference in your long-term goals, whether you want to buy a home, start a family, or retire well. Make sure you find a certified financial advisor who is a fiduciary, which means they are legally or ethically bound to act in your best interest. They can help you figure out where to invest your 401Ks and really help you invest and build your savings over time.

How To Become Financially Literate + Financially Independent

Financial independence can feel like a crazy goal when you're in the throes of debt and bills. But there's one thing that can help you move toward it: financial literacy. After all, knowledge is power.

"The more that you take control of your finances, the more you take control of your life and destiny," Sacks says. "Financial literacy also ensures you never get taken advantage of and that you’re maximizing the benefits of all the financial products you use."

Everyone has a different financial situation, which means that everyone has to make different financial choices. Taking a step toward financial independence can mean anything from reexamining your grocery bill to creating streams of passive income that make you money while you sleep (more on that later).

All in all, financial literacy and financial independence can go hand-in-hand. Check out the 5 Tax Terms That Can Save You Money, or these 6 Money Tips For Kids. It's never too early to learn!

How To Make Saving Money Less Boring

You might be thinking, "Saving money just doesn't sound fun," and technically you're right. Saving might not feel fun on its own, which is exactly why we're here! Pinterest Predict's Cha-Ching Challenge got us thinking about ways that we can turn saving into a game. Try one or all of these ideas, and let us know your favorite.

Make Learning Fun

If you want to learn more about finances, find a program that puts the terminology into your language, like Sacks' own aspirational finance media company, Finance Is Cool. "It makes being good with your money chic," she says. "I designed it with the goal of helping the future rich people who follow me take control of their finances step-by-step and provide them with the tools they need to grow wealth, all with a little humor and a lot of Kardashian references so we can have fun while we learn."

Maximize Your Card

If you have a credit card, or a debit card with benefits, use the points and rewards to your advantage. Sacks loves the Amex Rewards Checking account. "I earn Membership Rewards points on eligible Debit Card purchases that I can use on shopping, traveling, and more," she says.

Set up an automated deposit into your checking account when the rewards reach a certain number, or save up all your points for a dream-worthy trip during the summer. You can also check out Brit's interview with The Points Guy for more inspo.

Make Money In Your Sleep

Create one (or more) streams of passive income to bolster your paycheck. You can create downloadable guides and video tutorials, sell photography, or add affiliate links to blog posts, but the beauty of passive income is that whatever you choose will do the work for you.

Have Regular Money Dates

A money date can be carving out time for yourself (or with your partner) to create a comfortable space and review your priorities, values, and overall financial goals and hopefully actually set a plan in motion to achieve those. Take yourself out to a cafe or have a glass of wine by your side to make it fun while feeling good about where you're going. Good luck!

Is Storm Reid going to be in Euphoria season 3?

No, Storm Reid won't be in Euphoria season 3. On November 20, she revealed she wouldn't return as Zendaya's onscreen sister Gia. “I’m very excited for Season 3,” she said in a Rotten Tomatoes interview at the Governors Awards. “Unfortunately, Gia’s not returning to the third season, but I am so so indebted to the cast and the crew of that show, to HBO. Euphoria’s a really special thing and I’m so glad that that’s a part of my legacy and that I was a part of such a cultural phenomenon.”

However, we also know that Barbie Ferreira (Kat) won’t be returning for season 3, due to butting heads one too many times with the show’s creator, Sam Levinson.

Who's in the Euphoria season 3 cast?

At the 2024 Sundance Film Festival, Dominic Fike (who played Elliot in Euphoria season 2) told Variety it “would be dope” to come back for Euphoria season 3, but that “I don’t really talk to them anymore.” And after Angus Cloud's (Fez) tragic passing, some fans were calling for HBO Max to cancel the series.

But when we finally do see the series again, we’ll see more of the main cast: Zendaya (Rue), Sydney Sweeney (Cassie), Hunter Schafer (Jules), Alexa Demie (Maddy), Jacob Elordi (Nate), Maude Apatow (Lexi), and more – but who knows? The production team may surprise us with new additions, like they did with Dominic Fike’s Elliot.

And the cast is even more excited for the show to return than we are! While Sydney Sweeney says she "honestly" doesn't “know anything about it,” (although she's hoping for "Crazy Cassie": "The crazier, the better for me."), Sweeney can't wait to reunite with Zendaya, Jacob Elordi, Alexa Demie, and everyone else from the show.

“They were the crew and the cast that were there at the beginning of my career,” she tells The Hollywood Reporter. “We all came up from different places but came together and were navigating so much at the same time, so it’s really nice having that core group. They’re experiencing a similarity to what I’m going through. It’s nice to have that community.”

Why is Euphoria season 3 delayed?

We've been waiting for Euphoria season 3 for about two years, but there's a very good reason for the delay. After a source told THR Zendaya was to blame, the actress reportedly laughed at the idea. “I will say, I have been off for a couple years, so not delayed because of my [schedule]…I’ve been open, just waiting,” the actress told Vanity Fair. "I haven’t read anything yet, but I’m excited to see what everyone has been working on, and what the future looks like for Euphoria...My most important thing is to do justice by the people who love and care about Rue, and make sure that she’s looked after as a character. I think that’s my number one duty."

Actor Colman Domingo has another explanation for the delay: “[Sam Levinson is] a person who writes and rewrites and writes and rewrites again, because I think he's wrestling with what's important,” he tells GQ. “He's responding immediately to what the ills of the world are. I know that the one thing I can tell you is that he's very much interested in the existential question of who we are right now. Our souls. That's what he wants to figure out with season three.”

“HBO and Sam Levinson remain committed to making an exceptional third season,” HBO says in a statement to Deadlineabout the show's official, if temporary, pause. “In the interim, we are allowing our in-demand cast to pursue other opportunities.”

So much has happened in the real world since the end of Euphoria season 2 that could have an impact on the new installment, and I can't wait to see what that looks like!

When will Euphoria season 3 start filming?

Euphoria season 3 will begin filming in January 2025. “We are shooting Euphoria,” HBO's Casey Bloys said at an HBO/Max press event on November 12. "I think we have a start date, mid to late January. Nothing’s changed...We are shooting the season. I have read the scripts. We’re happy. We’re moving ahead. All of the actors are in the show.”

The Euphoria season 3 delay comes down to significant script rewrites (not to mention how busy the cast is!). According to Variety, the original plan was for the Euphoria cast to work on other projects throughout 2024, and that filming the new season could take at least 25 weeks. However, it looks like that plan could change at any time.

In a March 2024 interview with Who What Wear, Sydney Sweeney shared her excitement to return. "It’s going to be very, very wild,” she says. And regarding the time gap between seasons 2 and 3, Sydney “actually [likes] it because there’s so much room for growth for both me as a person and also Cassie as a character."

Storm Reid, who plays Rue's (Zendaya) little sister Gia in the series, expressed her hope (and a bit of hesitance) in for Euphoria season 3 in talks with E! News at the Challengerspremiere in April 2024. "We're on pause right now, but we're anxious to get back," she said. "If it's meant to be, we'll be back soon and we'll give the audience what they want and deserve. Hopefully, we will be back."

On the other hand, according to an article published by Vanity Fair, another cast member (who wished to remain anonymous) says, “I just don’t think it will happen.”

The anonymous actor also shed some light on the show's delay. “Since January of 2022, we have had a start date of March that turned into June, that turned into January,” they say. “And then they kept pushing every month from then on. It was two full years of HBO telling all the actors we were going back soon, so we couldn’t take some jobs.”

Now that Euphoria season 3 is officially on hiatus, the cast members aren't barred from taking further jobs, they say: “Before last week I couldn’t take any TV jobs. Since they have put it on hiatus, I can now take any job. But what sucks is that we all had more momentum right when the show came out but now it’s been 2 years of waiting.”

Hunter Schafer, who plays Jules in the series, joined the Call Her Daddy podcast podcast in August 2024, discussing everything from relationships to fame. The topic of whether or not Euphoria season 3 is going to happen came up – as it's pretty hard to ignore at this point – and Schafer immediately got emotional.

Alex Cooper, the host of the podcast asked, "Is season 3 happening? What are we doing?"

"I think everyone feels a certain sense of anticipation for, like, if we are supposed to do a season 3," Schafer said between tears. "Obviously, I'm still coming to qualms with what's happened, and losing people that we really loved and were a part of this family and everything," she said, referring to the passings of co-star Angus Cloud and screenwriter Kevin Turen.

"If we do go back, that's going to be tough," Schafer said. "I think there's a world in which we can channel that into making it a beautiful season 3."

When is the Euphoria season 3 release date?

Now that the filming date has been pushed back to 2025, we’re expecting the beloved show to return sometime in early 2026. Luckily, fans are familiar with waiting a long time for new releases (remember that 2 ½-year wait for Euphoria season 2?), and hopefully the pent-up hype will be worth it when the show finally comes to streaming.

Will there be a time jump in Euphoria season 3?

Multiple stakeholders in the Euphoria-verse expressed their interest in seeing the characters out of high school. When asked about season 3 in an interview with The Hollywood Reporter, Zendaya expressed her eagerness to see what post-East Highland will look like for the cast:

“I think it’ll be exciting to explore the characters out of high school,” said Zendaya. “I want to see what Rue looks like in her sobriety journey, how chaotic that might look. But also with all the characters, in the sense where they’re trying to figure out what to do with their lives when high school is over and what kind of people they want to be.”

Heidi Bivens, the HBO show’s costume designer, hinted further at a time jump between seasons 2 and 3 when talking with Vogue: “There is talk of [season 3] being approximately five years in the future, and that they’re not in high school anymore. Dorothy’s not in Kansas anymore.”

What's going to happen in Euphoria season 3?

Season 2 of Euphoria left us with a lot to unpack: Rue’s (potential) sobriety, Lexi’s chaotic play, Fez and Ash’s shootings, Cal’s insane sexual spiral, and of course, the glorious girl fight between Maddy and Cassie. The third season has some loose ends to tie up, and we can’t wait to see how it’s done.

Sam Levinson tells EllethatEuphoria season 3 is more of a “film noir,” and that Rue's plot line will “explore what it means to be an individual with principles in a corrupt world.”

Originally, Sam showed multiple story ideas to both Zendaya and HBO (and although Z doesn't have total creative control, as an executive producer, she does get a say in where her story goes). The show will feature a time jump, bringing the characters closer to the actors' ages. According to Variety, the first draft of the script gave the "meaty" storyline to Sydney Sweeney and Jacob Elordi, and featured Zendaya's Rue as a private detective in more of a background role. More recent rewrites incorporated Z's idea of making Rue, who would now be sober, a pregnancy surrogate. Unfortunately, "the new scripts simply didn’t feel like the show tonally."

HBO chairman & CEO Casey Bloys told Variety that Sam Levinson is furiously working on the scripts. "One of the issues I think that Sam is thinking about is that he doesn’t want to have it in high school anymore. That’s where it was set and what made sense then," he says. "So when you take it out of that, there’s a lot of back and forth about where to set it and how far in the future to set it and all that stuff. But I think he’s got a take that he’s excited about, and he’s busy writing."

How many Euphoria seasons are there?

There are currently two seasons of Euphoria — both of which you can stream on HBO Max now. And it sounds like Euphoria season 3 will be the final installment. The Euphoria cast is contracted for the junior season, and according to a Variety source, they're all committed to seeing the story "through to the end with a third season."