personal finance

welcome to introspection ft. harsehaj! ⭐️ i’m harsehaj, and always up to something in social good x tech.

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onto today’s topic: personal finance 🪙 

being conscious of your personal finances does not mean you need to suddenly become an expert trader today. you really don’t have to trade at all.

i’m not a personal finance guru by any means. in fact, learning more about how i can grow my wealth and set myself up for financial success/stability is one of my 3 big resolutions for 2025. this isn’t financial advice, but more so an encouragement to take the plunge and tap into a part of adulting that you’re maybe avoiding.

talk to people that are where you want to be financially, and even better, those who had a similar background to you. after all, you’re probably not going to get the most helpful advice from someone that began their financial journey with generational wealth. 🤷‍♀️ whether that’s your parents, a mentor, or perhaps a past colleague, drop them a line and ask what they’ve done to build credit, invest, or save.

sure, read online articles and talk to your bank’s representative, but i’d recommend collecting personal insights from people that were once in similar circumstances.

as a standard starting point, canadians should look into making progress towards maxing out a tfsa, and americans should do the same with a roth ira. as tempting as it is to put things off, don’t delay opening up a credit card once you’re able to so you can begin building credit. 💳️ 

my next step was looking into investing, and i quickly learned it’s nothing absurd like plummeting trades and making millions off bitcoin. think of it as preserving your wealth in markets that will inevitably follow inflation treads, whereas your money doesn’t move with the world if it stays sitting in a savings account.

i’m still a total beginner to the world of investing, but i’ve realized it’s something i need to start now for it to really count and make a difference. even if you’re completely uninterested, i would recommend taking some time to learn for your own sake.

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