WHAT I Wish I Learned About Money in School

Discover essential money lessons school never taught you in this comprehensive guide to financial empowerment! From budgeting basics to investment strategies, this episode reveals the financial education you should have received years ago. Join host Christine as she shares personal insights and practical tips for transforming your financial future.

Building Your Financial Foundation 🏦

Struggling with basic money management? You're not alone. Most educational systems fail to teach crucial financial literacy skills, leaving many adults unprepared. Learn how to create a strategic spending plan using the powerful 50/30/20 rule—allocating 50% to necessities, 30% to wants, and 20% to savings and debt repayment. Establishing an operational account for fixed expenses like insurance, utilities, and healthcare is essential for financial stability. Track your finances effectively with the Financial Fitness Tracker (link in show notes) to gain awareness of your spending habits and begin your personal finance transformation.

Emergency Funds & Debt Management 💸

Financial freedom begins with preparation. Start by building a $1,000 emergency fund while making minimum debt payments. Once established, tackle your debts using the snowball method—listing debts from smallest to largest and paying them off sequentially for psychological wins. After becoming debt-free, expand your emergency fund to cover 3-6 months of household expenses. These financial goals create the foundation for long-term financial planning and asset accumulation.

Smart Investing for Beginners 📈

Investing isn't just for experts! Discover how to start with user-friendly platforms like Robinhood, Stake, and Acorns. The psychology of money often prevents people from taking this crucial step, but remember—time in the market beats timing the market. Focus on low-cost index funds to prevent fees from eroding your asset growth and diversification. Whether it's the S&P 500, ASX 200, or other passive income vehicles, investing early can dramatically impact your retirement planning.

Global Financial Literacy & Beyond 🌏

Financial education varies worldwide, with different retirement systems like superannuation (Australia), KiwiSaver (New Zealand), and various pension schemes. Property investing remains a cornerstone of wealth-building in many economies. Understanding financial transformation requires ongoing education—podcasts, books, and courses can supplement the finance education you never received in school. This comprehensive approach to personal finance will help you develop the financial wisdom needed for lifelong prosperity.

#FinancialLiteracy101 #MoneyLessonsNotTaught #TheChangeCurve #FinancialFreedom #FinancialEducation #PersonalFinance

⏰ Timestamps:
02:01 Building A Strong Financial Foundation
04:54 Saving for Emergencies and Goals
06:50 Understanding Credit & Debt
08:43 Debt Snowball Method
09:21 Investing and Wealth Building
09:27 Compound Interest
11:21 Investing For Beginners
12:17 Retirement Planning
13:13 Recap

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⬇️ LINKS ⬇️ 📝 Download our FREE Finance Fitness Tracker: https://docs.google.com/forms/d/e/1FAIpQLSdcRobhUcRSBfM48ny0UHzrToJ1OoxkNbXanOnXaISaQk9T7g/viewform?usp=dialog]

⬇️ LINKS ⬇️ 📝 Download our FREE Financial Terms Explained:https://docs.google.com/forms/d/e/1FAIpQLSfBo1vppU9V0Ht-HZxzRhNwMTUx5LH8QhdBhAn-n1Gs_4dzoQ/viewform?usp=sharing

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⚠️ Disclaimer: The information provided in this video is for educational and informational purposes only. Results may vary based on individual