This piece is part of my 2016–2026 archive migration. Some original formatting, content, and external links may be missing, changed, or not be optimized.
Personal finance and budgeting doesn’t have to be hard un-talked about subjects. If you do the simple things, you will be on the road to financial success
Key 1: build a 1-year emergency fund that covers your expenses, bills, and lifestyle for one full year.
Key 2: don’t get credit cards if you struggle with them or find them to be too tempting. If you do get a credit card, use it wisely; always have a purpose for each credit card and how you utilize it.
Key 3: save and invest and never stop. No matter what you do, save and invest about 10–25% of your total income. If you have a certain amount of income you want to have by a certain age figure out how much you need to save per year, month, week, or day. Never “not have”. Always be ready for a loss of a job, a loss of income, etc.
Key 4: never depend on one source of income.
This content is for informational purposes only — not professional advice. Consult a qualified professional before making any major decisions.