“Which financial skill do you most want to master this year? ✅ Budgeting ✅ Credit & Debt ✅ Saving & Investing ✅ Starting a Side Hustle”

Mini-Lesson: 50/30/20 Rule “📊 The 50/30/20 Rule is a simple budget formula: - 50% Needs (rent, food, utilities) - 30% Wants (fun, entertainment) - 20% Savings/Debt Repayment👉 Quick Challenge: Grab a sheet of paper and estimate your percentages from last month. Were you close or way off?”

“👋 Welcome to Smart Money Academy! This is a place where we learn, share, and grow together on the journey to financial confidence. Drop a comment introducing yourself and tell us: 👉 One money goal you’re working on right now.”