Category: Investments 101
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Evaluating your financial situation: a practical guide to smarter money decisions
Why Evaluating Your Financial Situation Matters Right Now Исторический взгляд: от конвертов до приложений In 2025 it’s easy to think money has never been more confusing, but people have been trying to figure out how to evaluate my financial situation for centuries. In the 1950s families literally used envelopes: one for rent, one for groceries,…
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Financial wellness for employees: essential guide to benefits and success
Why financial wellness shot up the HR agenda in 2025 If you work with people, you’ve probably felt it: money stress has quietly become one of the main productivity killers in the modern office. По данным PwC за 2024 год, около 57% сотрудников в США признались, что финансовое беспокойство мешает им сосредоточиться на работе хотя…
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Budgeting for a new career path: how to plan finances for a smooth transition
Why budgeting matters when you’re changing careers Switching careers isn’t just about polishing your LinkedIn and blasting out résumés; it’s a financial engineering project. In practice, budgeting for a new career path means you’re stress‑testing your cash flow, mapping risk, and building a runway long enough to survive lower income, unstable hours, or retraining costs….
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How to create a personal budget for a multi-generational family step by step
Money has always been a family story. A century ago, three generations often lived под одной крышей, но бюджет был прост: еда, топливо, немного одежды. В 1980‑х появились кредитки и первые компьютеры — и деньги стали более «невидимыми». Сегодня, в 2025 году, ваши родители могут получать пенсию, вы — работать удаленно с проекта в Сингапуре,…
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Budgeting for a move across country: how to plan costs and save on your relocation
Why Budgeting a Cross‑Country Move Feels So Hard (And How to Fix It) Moving across the country is basically a logistics project wearing sweatpants. You’re juggling money, timing, emotions, and a ton of cardboard. The problem: most people treat it like a weekend road trip and wildly underestimate the cost. Let’s break down how to…
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How to save for a dream car without debt and reach your goal faster
Why a Debt‑Free Car Is a Smarter Dream Owning a car без кредитов звучит как что‑то из прошлого века, но цифры подталкивают нас вернуться к этому подходу. В США, по данным Experian за 2024 год, средний автокредит перевалил за 20 000–25 000 долларов, а средняя месячная выплата приближается к 600–700 долларам, причём срок кредитов растянулся…
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How to create a long-term growth plan for your wealth and secure your future
Understanding What a Long‑Term Wealth Growth Plan Really Is Think of a long‑term wealth plan as your personal operating system for money: it defines cash‑flow rules, risk limits, and investment priorities over 20–40 years. Unlike short‑term saving, it integrates capital markets behavior, tax regimes and life events such as buying a home, funding education or…
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Financial planning for gig workers: a practical guide to managing your money
Why Money Feels Different in the Gig Economy Income Without a Script When you live on project fees, rides, orders or design gigs, money behaves like the weather: some weeks are sunny, others feel like a storm. That’s why financial planning for gig workers неt just “nice to have”; it’s the only way to stop…
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Budgeting for a home garden on a budget: cost-saving tips
Budgeting for a Home Garden on a Budget Starting a home garden sounds simple until you hit the store and realize a few bags of soil and some pots can cost as much as a weekend trip. The good news: with basic cost planning, cheap home garden ideas on a budget are absolutely realistic, even…
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Building an investment plan for every life stage and financial goal
Why Your Life Stage Should Drive Your Investment Plan Most people start investing by asking, “What’s the best stock / fund / crypto right now?” That’s the wrong question. A better one: “What makes sense for *me* at *this* stage of life?” That’s exactly what investment planning by age is about: matching your risk level,…