10 Clever Personal Finance Rules you should know.
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- Опубліковано 2 сер 2024
- In this video, we will be discussing 10 personal finance rules that can help you save a lot of money and secure your financial future. Managing your finances can be overwhelming, but by following these simple rules, you can take control of your money and achieve your financial goals.
We'll also discuss the importance of maintaining an emergency fund, investing in your retirement, and avoiding debt whenever possible. By following these rules, you can build a strong financial foundation that will support you throughout your life.
By making smart financial decisions today, you can secure your financial future and live the life you've always dreamed of.
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00:00 - Introduction
01:17 - Know when your investment will double
03:02 - Invest this much in Equity
04:08 - Disclaimer!
04:45 - Budgeting made easy with this rule
06:31 - Plan your emergency fund with this rule
08:08 - Before taking a loan, watch this!
09:48 - Plan your retirement with this rule
12:57 - Never skip any investment with this rule
13:41 - 3 components of a Financial Plan
14:55 - Know this before following any rule
15:60 - Steps to participate in the Giveaway
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Buying stocks might seem easy, but picking the right one without a solid plan is tough. I've been trying to grow my $100K portfolio, but the tricky part is not having clear plans for when to buy and sell. Any tips on this would really help.
The strategies are tough for average people. They're usually done well by experts with lots of skills and knowledge.
@@ChristopherAnthony-9 I agree. From my own experience with an investment advisor, I've got $1 million in a diverse portfolio that's growing fast. It's not just about having money for stocks; you need to know your stuff, stay determined, and be resilient.
@@MateoLevi- Mind if I ask you to recommend this particular coach you using their service?
@@Richardnnabuikediyoke Victoria Carmen Santaella is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
@@MateoLevi- Thank you! I entered her full name into my browser, and her website came out on top. I filled her form and i hope she gets back to me soon.
Rules are always there but the most important is following it with consistency 🤗😌
Market me aapse bahut ache ache influencer hai jo free me educate karte hain. However, aapse ek dil ka connection ho gaya hain aur aapke har ek videos mujhe meri "mujhe sab kuch aa gaya ab" wali gamand ko tod deti hain aur jindagi me aage bahut kuch sikhne ko motivate karti hain.❤❤
apse last kuch months se bohot kuch sikh raha hu.
mujhe ek line yad aa raha hai arijit sir ka
pehle keuna mile hum
kash ap school me hi mil jate
Thank you sir
After watching your, Akshat's & Rachana's videos regarding finance -
Few points that learned are as follows -
1) Take calcultated risk & manage & be responsible for your own money. Don't depend on anyone, not even your family.
2) If you want to buy anything, first earn 4x of that value & then spend or buy whatever you want to buy so that u will most probably buy only those things that really matters to u or you'll buy cheapest things which are available in the market. Basically its a win win for me.
3) first diversify your portfolio a bit & then concentrate to increase the value of portfolio in long term.
Audience can add more points in the thread. 😊
I watch your and Akshat's videos only
Hi Pranjal...Great Video with good insights for beginners and experts...woh fintech influencers wali line "Paida hone ke pehle hi retire kar dein" was epic....Also I believe 25 x is a great guide line for making a retirement but one's individual situation like if you are married or married with kid , married with kids...etc & the kind of lifestyle you live will determine if 25x is good enough or will require more fine tuning...
All in all a great video...Thank you
I am preparing for all this things, you just revised my plan... Thank you..
Hi Pranjal! I have been watching your videos and appreciate the effort and the spirit behind them. Thank you.
Great video to have a summary of finance! But one thing you must consider while telling about autoswep feature is, that they can end up making less interest than saving account also, if they withdraw and add big amount again and again. Rest was wonderful
Can u elaborate on this please
Sir apka video dekhne ke bad mai sapno me udne lagta hun aur need khulte hi wahi hota hun jata kal soya tha.
To Bhai udte raho wese bhi jami pe Kuch nahi rakha 😂
Sir I have to admit that the whole video is so insightful and useful but the last part of the video where you were saying that "these are just thumb rules and dont understand your situation and you've to consider your situation and act accordingly" this one...is very important and needed sir. This is the best part of the video.
Great mentor for financial planning for me. And I also feel protect from other fake people and plans.
Brother
You can add more detail in term insurance that every age group are not eligible for the 20× life cover of their annual income.
It depends on age and its rule is
18-35 age - 25×
36-40 age - 20×
41-50 age - 15×
51-55 age - 10×
56+ - 5×
Of their annual income
😊
The 50-30-20 rule is very useful. There are lots of tools for investment, like stocks, mutual funds etc., some have high liquidity, and some have low. Can you please make a video on how we can diversify our investment which is 20% of our salary, so that we can have enough liquid to help us out in tough times and enough debt, which can give high returns to secure a long-term future?
Good video Pranjal. I have been reading lots of books on financial matters and reading wisdom of old financial wizards like Warren Buffet, Charlie munger, Peter lynch and Philip fisher . They talked about the same points. You have consolidated the points and presented in one video with good explanations. Keep it up.
Informative Video Sir !
My suggestion is Emergency Fund should be increased .
I think instead of keeping 6 X Expenses in energency Fund , it should be{6 X Salary} or {12 X Expenses (per month)} because any how emergency fund is also earning intrest (approx 6% auto sweep) and this will keep enough money for some medical emergency or to handle any unavoidable circumstance to be on a safer side.
Hey Pranjal,
The rules were awesome.
But in the part of retirement there are types of FD which can be booked for a period of 10 years which offers guaranteed return of certain percentage more than savings balance and their interest payout can also be pre-decided for quarter or annually. So and yes the risk can also be diverted if a person opens FD to multiple Indian banks or more as depends with corpus. By this if any bank defaults too in that long duration investor will not loose his entire money as government provides maximum security of 5 Lakhs (As of now) . So by this, investors will earn more and also risk will also be minimised.
This is one of the best video of personal finance I have seen ever..Great job.
If you could have considered "Tax Impact" also in this then it would have been nothing like it.
Well done 👏 great job.
Thanks for this informative rules.
Before this video i know only one rule of investment (50 - 30 - 20), but now i know bunch of rules about investment ❤
Aap sahi ho sir ❤️ you are very honest 🙂 Every influencers only show up but you always tell us the Reality.. Salute to you sir 🙏
The S&P 500, if one sticks with it, outpaces inflation by many percentage points. I personally don't care about the inflation. I just want my money to keep outgrowing the inflation rate. That is why I'm looking for companies now to put in $80k for a start. Just don't know how to proceed
The rules are simple. Chose quality stocks and follow them up. If you're not one for such complexities, hire a wealth manager to grow your money. I use the latter. Pulled in more than $46k in the last two months alone.
I agree with you. This is what I do too. I'm not cut out for financial reports and industry news, so I use a wealth manager. Profits have been very consistent.
Hey, I've been looking to switch, but have been kind of relaxed about it. Could you recommend your wealth manager? I'll be happy to use some help.
I work with “Kaitlin Rose Sternberg”. You could look her up yourself, if you want, she’s proficient
Thank you. I just checked her out. She seems really proficient. I'll follow up with an email. Thanks for the lead.
Bahut Acha sirji...... Youth inspiration ho ap aur idea bhi Utne hi ache late ho ❤
I missed your show in kota rajasthan. But I always watch your video and informational content regarding Finance. You make best content, jo Modiji kabhi bhi aake nahi bolenge media ke saamne. Your content seriously will help millions of people in their life and also during crisis.
Success seems to be connected with action. Successful people keep moving. They make Mistake but they don’t quit... As the economic crisis keep rising, we literally need to have different streams of income. The crypto and stock market has plenty opportunities to earn a decent Payouts with the right skills and proper Understanding of how the market works.
Yeah you're absolutely right..... Lots of people are still making massive profits from the stock and crypto market, all you really need is some relevant information and some professional advice. It is totally inappropriate for investors to stand by as they take dips during significant market diclinism
@@danielbrookes3797 A good investment requires experience and knowledge to carry out a successful operation. Professionally, it is recommended to trade with experienced brokers, who can help you increase your profits while helping you learn the trade
Well I invest with a top trader Investor Ashton Edwards you might have heard of him.. I can correctly say he's the best top trader in the world, an investment advisor as his diversification skills are great, I say this because i see that in his results as my portfolio grows by averages of 25% to 35% on a weekly basis, unlike i can say for my IRA which has just been trudging along. my portfolio just mirrors what he place and not just on some particular industries of my choosing. He gave me that financial freedom I needed
@@danielbrookes3797 Honestly I really need help with learning how to trade. Seeing my portfolio low makes me very sad. Please do you mind sharing any means of reaching out to him easily?
@@filippeabreu4984 Investor Ashton Edwards. He's well researched. Just look him up on the internet, you'll find his personal website
Auto sweep krwane gya tha bank me SBI valo ne bola "lunch ke baad aana" 😢😂
Lunch ke bad jana fhir 😂
@@dineshmohokar7443un logon ka lunch kabhi nahi khatam honge 😂😂😂
Auto sweep Bakwas hai😂
Same to
Me
😂😂😂😂
Sir aap bahut hi genuine person hal
As always… you inspire us!! So detailed 🫶🏼
The stock market is and has always been the best place to make substantial income i still find myself pumping more funds into the stock market and trading aggressively. Away from all the distractions around, I still make huge profits from my investments.
Agreed!! I’m a penny stock trader and I leverage on the volatility of the market for significant returns rather than holding and loosing value to the volatility of the market.
@@Hoffmanluiz. The market is volatile at this time, hence I will suggest you get yourself a financial advisor that can provide you with entry and exist points on the shares, coins & ETF you focus on.
Very true, I started investing before the pandemic and that same year I pulled a good profits of about 300k with no prior investing knowledge, basically all i did was seek guidance from an investment manager by name "Courtney Heath Williams". You can be passively involved with the aid of a professional.
His available on telegam using the username information below..
WHCOURTNEY.
@Pranjal In 50:30:20 rule, you should have included that if our salary increases, we should focus on increasing percentage of investment rather than increasing our needs and wants. 😊 For example, If salary increases by 1L, we should allocate 50% (50K) of it towards investment, 30% (30K) towards wants, 20% (20K) towards needs.
Well the problem with that logic is - would you be comfortable living life standard of someone earning 50K while you're earning 2Lakh?
That's not practical. Person's share of want's will increase. e.g. EMI's for flats, cars, vacation abroad etc.
You are wrong 50 in needs 30 in wants and 20 in savings
@@ashishIMpro Needs do not increase in same proportion as salary as they are the basic things we need for survival. Wants continues to be 30%. Increase your investments as you will have some extra money in hand.
@@educationandlearn5325 Yes that is initial phase. Once you have extra money, your needs won’t jump by 50%. So split the extra income other way round- 50% savings, 30% still in wants and 20% in needs.
@@deepshikha8180 mem theoretically it's easy but in practical life it's much hard to invest or save this kind of percentage in today's inflation era
The idea of giveaway is great. You learn through our comments and we learn through your book.
Pranjal always thinks a win - win one ❤
Now I have more knowledge about personal finance, thanks to your channel, I just subscribed.Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment.Traveling is now on our horizon, thanks to our financial choices.
Congratulations on your early retirement, Interesting indeed! Currently, I am in dire need of investment advice or tips. Earlier this year, I hesitated and failed to take any action until now. However, I am determined to try something new, as I am very receptive to various investment ideas. I want to be retired in my forties or fifties, I really wish I can achieve what you and your partner have achieved. I believe it will surely happen.
Pranjal bhai, the 50-30-20 rule which suggests spending 50% of income on needs, 30% on wants, and 20% on savings may not work for someone with high housing costs or medical bills as you're also aware that in metro cities the housing costs are increasing rapidly which most of the time crossing the threshold of this 50-30-20 rule. Furthermore, if someone from our family is diagnosed with some critical medical conditions in that scenario also this rule wouldn't be of any use.
Thank you very much Sir.
Pehle pata nehi tha
Sir aap bahot acha ho sab log video me 1sec ka disclaimer dete hai magar aap acha se pura explain karte hai ki kabhi kisi ka paise na Dube.
Thanks 😊
For retirement fund interest rate can be increased to 6-7% with auto sweep feature of saving account . So saving amount can be less
Great video and very straightforward. I don't see any other perfect time for one to invest in crypto and trade than now. I don’t think that buy and hold is a valid investment strategy anymore but trading is worth it and you make more money when you trade correctly. You can start TODAY regardless of your age INVEST and change your future. When investing try to Engage in a more professional system of investment/trading with signal, which is a lot more profitable than other means anyone might use. Recently had family members ask me where to begin learning how to get started and Francine Duguay my investment advisor is perfect. Definitely recommend and her trade strategy works in every region. Very helpful for beginners. Using her method to trade has seen my portfolio grow drastically from 3.9BTC to now 13BTC, thanks, Francine.
@FRANCINEDUGUAY
She IS ON TELEGRAM.S...
she's active on TELEGRAMS with the name above
Wow! I'm currently on my fourth peddle with Francine Duguay also. She's the best! the expertise of a crypto proficient who work in a registered crypto platform is what you need for making profits.
This is very impressive , meeting Francine Duguay has been a blessing , I never thought I would make so much profits in such a considerably brief period of time.
Aap hamare liye Financial knowledge Guru ban gaye,Namaskaragalu..
Absolutely GREAT,👍👍
For all the youngsters out there, customise your 50:30:20 as follows:
50% --> Investments
30% --> Needs
20% --> Wants
It may sound impossible at the beginning, but trust me, after some time, you will be glad that you have opted this.
why do you think you find it useful? My home loan EMI and Car EMI goes beyond 50% :)
I think 70 percent in needs & wants and 30 % investment is good for yougsters
@@Srkatariya93 Which youngster needs and wants 70% ?!
Exactly, I have been following this for quite a while now.
@@aniketbhagat2425 depend karega uske work location and income pe, if his income jyada h toh obv 50-60% k aaspas m uske dono nikal jaayega
Thumb rule for investment in my opinion - "IT SHOULDN'T AFFECT YOUR SLEEP AND MENTAL HEALTH."
Your guidance is always at better side from others, you always helped us in taking right choice and decisions. Video score 8 by 10. Can be more interactive by comparing past year data. Keep it up sir👍
Sbse phle maine ye rules warikoo sir ke channel pr dekha tha aaj pranjal sir ne revision kra diya
For personal finance, most important is to keep a tab on the expenditures and know the difference between needs and wants. Most youngsters make such mistakes and miss out on the early years for the power of compounding.
Gpp
Good point, today I was thinking the same
Hey ! Mostly teenage students watch your videos and we don't have enough money in bank account and you said to opt for auto sweep but you have not told the disadvantages of autosweep that is Auto sweep accounts charge penalties for premature withdrawal of funds.we Teenage people suffers with this penalty 😔 you should tell disadvantage also about auto sweep
on karne se phele puch lena chayhe thaa bhai
Bola tha na, withdraw karne time FD break hogi and penalty lagegi. Teenagers don't even need any interest. Saving money is the important part. Ek basic se savings account me invest karo, with low or no minimum balance.
Yes.. we need a disadvantages video of sweep in FD.
A lot of video is available but is not very much clear.
It is very difficult to find your mistake, but confidently we can say you are the best
We love your advice started investing in medicaid family 👪 plan, wife's 10yrs regular income plan.. I will go for term plan
Important point: Enjoy the life. There's no point in having immense wealth after 30-40 years by compromising your life and wants.
In one of video Pranjal Sir explained it how some influencers keep talking that you should have invested in Royal Enfield rather than buying their motorcycle 25-30 years ago, without understanding that purchasing a bike back then made your life easier, which resulted in overall better work life balance.
No one's telling anyone to compromise on their needs and wants before investing. As a person who started earning a meagre salary and yet was able to invest and roam across the country, party and buy things he liked, it's all about making financially smart decisions and understanding what's important.
If by enjoying, you mean partying day and night and spending beyond your budget, and then saying I just have 20% to invest is IMO foolish. However, everyone is free to make their own choices.
@@aniketbhagat2425 nah nah there are many so called influencers on social media, who always keep this hype on. That is invest invest invest, create wealth, you did something wrong by not buying this 10 years ago etc. etc.
@@sarthak_7 I don't know the context on what they are saying but if you invest today, invest what you can and not over you capabilities, plan your finances smartly, 10 years down the line, you wouldn't have to think, 'Oh I wish I had also invested 10 years ago'. Like I said, it's about making smart decisions. In the long run, everyone who invests in the index wins. What separates the big winners from the usual winners is who invested smartly and made slightly better decisions. It does not take away or look down upon people who are making small investements. Its about making the right investements with the fund you can afford to invest.
@aniketbhagat2425 heyyy can u please guide me on investment...where and how can I do it ...moreover what's your experience till now?
Sir AUTO SWIPE ke tax k baare me aapne nahi bataya ki iska tax aap jis tax slab me aate hai hu hisab se lagega jab ki saving account me 10000 ka interest deduction milta hai ❤ plz ise clear kare
Correct bro
Thankyou sir. You consistently do so many things for making our life better to best, but unfortunately we cannot do anything for you.
Genuine person with useful knowledge❤
Some of these rules is in "Financial planning for middle income group" Book by SEBI
you should have mentioned some rule for the tax saving too. that's the biggest problem almost all middle class are facing, biggest chunk on income first goes in income tax and then in education of our children. thankyou
Bhai in coming time, CG is going to abolish OLD TAX REGIME
Tax is only going to increase, our country and the world has taken quiet some debt and printed a lot of money, and India can't distribute it's debt to other countries since no one trades in Rupee as of now. So basically taxes are going to increase a lot and since majority of the population in India is unemployed or falls in non-taxable category then again taxes are going to increase exponentially only on certain group of people - 20-30% slab groups. The only way to escape this is by changing your job to either freelancing or operating a business. Since government is promoting startups/businesses in today's time they are giving lots of ways to save(not evade) taxes. Otherwise you can always reinvest all your profits and give 0 taxes. You can also explore agriculture as it's still 0% taxable.
Thank you sir
You are like my elder brother giving me financial strategies..
Aap Dil say guide kartay pranjal bhai , aap k video se bahut sikha h , thanks bhai 💚
Hi Pranjal, for retirement - why should we keep it in savings account or FD, why not plan a SWP in mutual fund which is far better option (can expect atleast 10-12 returns).
My question too
It's better to allocate in 30-50-20 in equity debt and gold. If you have 100% in equity, and corona virus like situation happens, market dips 40% and unlike this time it stays there for 3/4 month, each swp will hurt like hell, and if market doesn't rebounds quickly which may or may not happen, you will exhaust your money. So it's wise to keep your amount in debt, gold and equity and keep rebalancing. You can have swp arranged accordingly.
Shankar Nath has covered most of these rules earlier. His is also a very good personal finance channel in UA-cam. He has great insights regarding finance and investments.
+1
+1
Gajab itna aacha content personal video ka ek jagah mil gaya nahi to ise Jan ne ke liye alag alag video dekhna padta tha
Thank you for your knowledge sir😊
*"Paida hone se pahale retire kar do"* was op😂😂😂
🔥🔥😂😂
🙃🙃
Sahi baat hai.... 🌡️
Financial planning process
1. Determine current financial situation
2. Develop your financial goals
3. Identify alternative course of action
4. Evaluate alternatives
5. Create and implement your financial action plan
6. Review and revise the financial plan
After watching your this video one thought came into my mind, which I would like to share, this kind of knowledge regarding our personal finance management must be taught in our school curriculum because I believe through this kind of knowledge our next generation can achieve their financial goals more profoundly and will also learn the value of hard earned money of their parents. To create a healthy economically strong society proper knowledge is very important. Thanks for sharing your knowledge.
love your stuff and planning
Just Thank you ❤
Pk bola.... *knowledge ka pitara khola....*
OP 🔥🔥💯💯💯
🙏🙏🙏
💯💯💯🙏🙏🙏
For the 50/30/20 rule
You need to understand that the first two are maximum and the last one is minimum
You need to spend maximum 50% and 30% on your needs and wants but you need to invest a minimum of 20%
Living in your 20s should be as frugal as possible. I mostly follow the 30:20:50 rule of needs-wants-investements.
@@aniketbhagat2425 I am also trying to follow that sort of lifestyle brother😅 but it's very hard
@@martnmathw I can understand, but if you cook your own food, spend money and use credit cards wisely and smartly, you can invest enough.
I think 50- 30- 20 rule should be as 50 % expenses, 30 % long term investment and 20% goal based investment. This works well till person doesn't have too many responsibilities. Once responsibilities increase that time one may resort to 20 % long term investment , if necessary.
But otherwise all other explanation was excellent. Thanks a lot !
Thank you bhaiya ❤
Sir, for retirement plan, you suggested keeping the money in a savings account only (which is generally 25 times of the annual expenses). But, I think we should consider *both savings accounts and FDs.* In case of FDs, the tenure should be 5 years, and in a ratio of 1:1.
Let's discuss an example:
A person who retires in his 60s and has annual expenses of 10 lakhs should divide their 2.5 crores as follows:
1.25 crores in a savings account.
1.25 crores in an FD.
However, for the FD, he should invest 5 years earlier i.e., at the age of 55 and again he have to invest the principal amount of 1.25 crores after the completion of the tenure in another FD with better returns (security of his money is also important).
If a person adopts this model, they will get better returns and be better equipped to beat inflation, as long as there are no major economic crises in the country.
Middle class cannot reach so easily to have 2.5 cr. in their savings account,
And why should we keep it in savings account or FD, why not plan a SWP in mutual fund which is far better option (can expect atleast 10-12 returns)
@@adeshkumar4640 you should care more about "risks" than "returns" in your 60s. And that's why FD and bonds are better option in that case.
Main Rule: Personal Finance is very personal. So only follow those thumb rules that suits your conditions 😊
Oho , Mujhe to pata hi nahi tha 😮😮🤭🤭🫢🫢🙀🙀
As usual wonderful video
Best video boss really helpful video ;)
I always look up to you when it comes to financial lesson and advices. You are such a blessing to this community. Anyone who is not investing now is missing a tremendous opportunity. Imagine investing $1000 and receiving $4,200 in 5day. Analia Harlod is the best🇺🇸🇺🇸
The truth with this recent economy, everyone needs more than their salary to be financially stable. The best thing to do with your money is to Invest it rightly.
Even with the economy recession and downtown, I'm so happy. I've been earning $9,500 return from my investment on short time, trading digital assets with Analia Harlod
I'm really interested in reaching her, my parents are suffering alot, can you refer me to her please???
@@Yesminjameshow do I connect with her please?
Ms_Analia
I want to say a one liner ...
" Stock Markets are like a Weather, you may not like it but you have to bear it. "
Saving a considerable amount from salary and investing it in good instruments can help you to become financially free as early as possible. Be humble and be patient, markets will reward you when the time will came.
Thank you Pranjal Bhai and whole Finology team, you all are doing great efforts, Love you all 🤩♥️
Wonderful video, I like all steps and I m following it.
Thank You Very Much
Good recommendations, fantastic idea about investment and very interesting rules 😅, thanks for the knowledge about investment.
Sir app ka video sa bhohat kuch sikha na ko milta ha .you are jenius
i appreciate your eddorts, im keep learning. Thank you
The best thing you mentioned is... Sbka situation alg alg ho skta he, so decide as per your need.
Excellent video & rules. Thanks a ton
You are a real guru for finance, but please koi ek video k liye example hamesa koi ek fixed salary k hisab se hi kariye, thank you❤
Thank You Sir
Awesome sir thank you
bahot accha information hai,thanks.
Very nice and informative video. rules are too good. I will definitely apply these rules as per my financial situation..
Your videos are very helpful for understanding finance. Thanks sir very much for making such a valuable content.
One of the best video on youtube
You have huge knowledge bro 🙏🙏
Thanks sir for Giving clearty of personal finance.Aap to personal finance ke chanaky ho. 👌🙏👍
You are worth to watch sir.
I am very happy...
Your valuable videos are very good...
Very helpful & informative. Thank you
Thank you for the video I found out personal finance information is very important in long term investments how to put the money step by step
I'll rate on this video 10/10 ❤Thank you sir for such valuable information ❤❤
Impressed todays vdo 🙋♀️
level! 🎉🏆 never had so much fun and excitement during the IPL season before. can’t wait for more!
Thanks Daddu ji
Thanks ❤❤
Very Good Financial Thumb Rules for common people .
Thanks I got New UA-cam Channel from this video to learn more knowledge and finance.
watching your videos from around 2-3 years and my investing journey is doing great , I am practically experiencing the Stock Market investing by using your ticker app and will be greatful if I get your book with autograph 😇😄
Thanks For Spreading Financial Education Among Us