Beginner

It’s great that you’re taking steps to understand your finances. By actively seeking to improve your financial literacy, you’re setting yourself up for success. Focus on creating a detailed budget to track your income and expenses, which will help you manage your money more effectively. Prioritize paying off any existing debt, as this will reduce financial stress and free up more of your income for savings and investments. Additionally, building an emergency fund is crucial for unexpected expenses, providing you with a safety net and greater peace of mind. Keep up the good work, and you’ll soon see significant progress.