New Year's Financial Planning. Easy! ✨

I want to save money. I want to start investing, but I don't know how to start.

In fact, financial planning is not difficult. Just follow these four simple steps, you can get started. ✨

✅ Step 1: Create an emergency fund first.

Keep it 3-6 times the monthly cost.

For example, 10,000 a month → there should be 30,000-60,000 emergency money.

Store in a savings account / money market fund that is immediately available.

✅ Step 2: Manage debt systematically

If you have credit card debt → Clear it out first because of high interest.

Use the Snowball method (start closing small debts first to build encouragement) or Avalanche (close high interest debts first).

✅ Step 3: Divide the income proportion clearly.

Try the 50/30/20 rule.

50% = Required cost

30% = Lifestyle / Use For Happiness

20% = savings + investment

✅ Step 4: Start a small investment.

You don't have to wait for big money → Start with hundreds / thousands per month.

Preliminary Options: Mutual Funds, DCA Stocks / ETFs, Accumulated Insurance

The most important is "start early and continue."

✨ Financial Planning for Rookies = Have Emergency Money → Manage Debt → Divide Revenue Proportion → Start Small Investments

Starting today, although gradually, your future will certainly thank you. 🌱

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