How to Save Money: The Reality Check for Millennials “Save more money” is the most useless advice ever given. Of course you want to save more. The question is HOW, especially when you’re earning $40,000/year, paying off student loans, and rent costs 40% of your income. Traditional saving advice assumes stable income, low debt, and … Read more
Financial Literacy: The Foundation for Lifelong Wealth Building Financial literacy is understanding how money works, and it’s the most critical predictor of financial success—more important than your income level. Here’s the brutal truth: Financial literacy determines your financial future more than your salary. Two people earning identical incomes can end up with vastly different net … Read more
Why Everyone Needs an Emergency Fund You might feel like just making ends meet each month is enough—but saving for something that hasn’t happened yet can seem pointless. The truth is, unexpected expenses are inevitable. Life is unpredictable, and not all surprises are welcome. According to the Federal Reserve, 37% of Americans can’t cover a … Read more