My approach to saving
I’m not a finance expert. But I’ve understood one thing: wealth isn’t built by earning more, it’s built by spending less than you earn.
Sounds obvious. Yet most people I know who earn well are still broke at the end of the month.
My rules
They’re simple:
- I pay myself first. As soon as my paycheck arrives, 30% goes to investments
- Low fixed expenses. Reasonable rent, used car, zero useless subscriptions
- A 6-month emergency fund. Always. Don’t touch it
What I invest in
Diversified global ETFs. No stock picking, no crypto (or almost). A monthly savings plan that requires no decisions.
The hardest thing isn’t choosing where to invest. It’s resisting the temptation to outsmart the market.