I get asked all the time, “When should I start investing?” Everyone wants to jump straight into investing. I get it! Investing feels exciting, like you’re finally building wealth.

Investing without savings is like building a house on sand, one unexpected expense and everything collapses.

Before you can invest, you have to learn how to save. Saving is your foundation.

Your budget is a living plan, not a financial prison sentence.
Start simple, tighten when life demands, loosen when it allows, and let technology handle the math so you can focus on living.

In my early years, money decisions were mostly reactive. Bills needed to be paid, groceries ran out, and every financial choice felt urgent and stressful. I watched my mom do her best, but without tools or habits to plan ahead, we often felt like we were just keeping our heads above water.