Personal finance involves managing spending, saving, debt, and investments.

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It varies based on age, education, goals, family, and location.

Each person's approach should be tailored to their unique situation. Comparing your financial strategies to others is unhelpful; focus on your circumstances.

Anyway, if you’re going nuts because of all of the confusing financial advice out there; this GUIDE is for you.

The goal of this guide is to help you get more control over your finances.  I will share proven strategies and methods that people use not only to manage their money but also to generate more money.

The 4 Phases Of Personal Finance

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Phase 1: From Nothing To Something

Phase 2: Gaining Traction

Phase 3: Having Peace Of Mind

Phase 4: Financial Freedom

The 3 Account Strategy For Saving More Money

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I have three bank accounts instead of one because using a single account for everything makes it hard to manage finances effectively.

When you lack financial control, saving and investing becomes difficult.

Having three accounts helps systematize my finances. Here's how I use them:

1. The normal checking account