I play the very safe risk-adverse route of maxing employer 401k and contributing to savings account. I’d say I have decent knowledge and experience with saving and budgeting.
Fun story to start- In my 20’s, I opened a small investing account to start playing around. Ended up buying stocks on margin (didn’t even know my account had that) and was paying interest on that margin for last 2-3 years 😅😅. Today, I spent 40 minutes on the phone with my mom helping me clean it up. Humbling and only comical because I still made some $$.
My goals: work with my husband to build our emergency fund, then start managing additional funds in a smart way. Create big purchase or house project funds so we can achieve it stress free. And everyone’s goal-retire early.