A beginner's guide to Financial literacy: Learn how to save, spend, and make rational financial decisions

By Harry Handley

Many Americans are currently experiencing financial stress, despite being the wealthiest people in history. Are they living beyond their means despite having high incomes? Are they dependent on credit cards or living paycheck to paycheck? Are they saving for unexpected expenses? Can ordinary people invest in the stock market without taking on too much risk? These questions form the basis of financial literacy, which is essential for achieving financial security.

To become financially literate, people need to understand the basics of everyday financial living, debt, credit cards, mortgages, car loans, budgeting, and managing cash flow. This knowledge may seem basic, but it is critical to achieving financial stability. Without financial literacy, people risk overspending, failing to meet retirement goals, and struggling to pay their bills.

Building income is the foundation of financial security. The Law of Comparative Advantage can help people make career choices that align with their strengths, skills, and interests. By doing what they do best and adding value to others, they can build a successful business, achieve financial stability, and reduce their financial stress.

While financial security may seem out of reach for some, it is possible. Even successful business owners like myself faced financial challenges early in their careers. We didn't have any support from our parents or a financial safety net. However, by being financially literate, we were able to overcome these challenges and achieve our financial goals.

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• Format: Paperback
• Language: English
• ISBN: B0CPBD47H5
• ISBN13: 9798870483078
• Release Date: December 2023
• Publisher: Independently Published
• Length: 28 Pages
• Weight: 0.11 lbs.
• Dimensions: 0.1" x 6.0" x 9.0"