The Simple 4-Step Guide to Personal Finance

The go-to guide for learning the four most important concepts of personal finance to set you on your path towards financial independence.

So you've finally made your decision to get your finances together.

Maybe you're looking to...

✔️ start the path towards financial independence

✔️ become more aware of where your money is going and what's affecting your ability to earn or keep it

✔️ escape the burden of debt and pay down your loans and credit cards

You surf the web, but the information is cluttered, complex, and unorganized.

You scratch your head.

99% of younger people stop here and continue on their same path as before. 

We were taught to not talk about money. Not to ask people what they make. Work 9-5 so we can buy a big house. Most of us have been through 3 financial crises in our lifetime already. Wall St scares us. We envy it from a distance.

Well that works great if you want to be average. But the last thing a person in their 20s should do is play it safe. So if you can't beat 'em, join 'em.

No one cares how high paying your job is, what kind of car you drive, or that you have a metal credit card. Anyone that desires time, location, and financial freedom needs to start with the basics of personal finance.

If you don't grasp the basic concepts like taxes, debt, credit, investing, spending, and budgeting, you will fall flat on your face and end up like everyone else. 

INTRODUCING…. The 4-Step Guide to Personal Finance

This is the ultimate guide that helps anyone who is new to personal finance and wants to get their shit together.

With the tools and resources you get in this guide, you will discover:

- How you're being taxed and how to reduce your taxable income

- The difference between good and bad debt

- How to make credit cards work to your advantage (free travel, build better credit, etc.)

- How to improve your credit score

- Long term investing through bear and bull markets

- The important of time in the market vs. timing the market

- Where to put your money and how to diversify

- The advantages/disadvantages of IRAs (traditional vs. Roth), 401k, and HSAs

- Quick & easy portfolio suggestions using low-cost ETFs

- How to build an emergency fund, pay down debt, and save for retirement

This simple guide will take you through the four most important personal finance concepts including:

✅ Taxes

- State & Federal Income Tax

- Capital Gains Tax

- Credits & Deductions

✅ Debt & Credit

- Good Debt vs. Bad Debt

- Credit Cards

- What makes up your Credit Score?

✅ Investing

- Rule of 72

- Corrections, Bear Markets, and Bull Markets

- Timing the Market vs. Time in the Market

- Risk/Reward of Where to Put Your $

- Commodities & Cryptocurrency

- Stocks vs. Bonds

- Mutual Funds & ETFs

- Three-Fund & Lazy Fund Portfolios

- Diversification

- Investment Expenses

- ETF Portfolio Suggestions

- 401ks, IRAs, and HSAs

✅ Spending & Budgeting

- Goal setting

- Budgeting & reducing expenses

- Building an emergency fund

- Employer-sponsored matching funds

- Paying down high interest debts

- Contributing to an IRA

- Saving for retirement

- Saving for other goals

This is a comprehensive, 12-page guide which you can read in one sitting.

If this guide gives you even one tip that helps you understand the basic concepts of personal finance, then this $5 will be the best investment you will have made, because it will kickstart you on your journey to being debt free, financially independent, and eventually wealthy over time as you use what you learn in this guide as a foundation to further build your knowledge of personal finance and investing thereafter. It was a deep understanding of these four simple concepts allowed me to reach lifetime financial independence before the age of 30, and it can do the same for you.