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julioturner.bsky.social
PhD in finance. Best selling Author " Before you go broke"
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Posts 11 Comments 10

Do not save what is left after spending, but spend what is left after saving.

submitted 3 hours ago • 0 comments

Pay Yourself First Treat savings like a recurring bill. Set up automatic transfers to a savings account right after payday.

submitted 16 hours ago • 0 comments

Avoid New Debt Pause credit card use and avoid new loans until you’re more stable financially.

submitted 1 day ago • 0 comments

Great demonstration of what is "neutrality". There are only two outcomes... Inaction is not an option anymore.

submitted 1 day ago • 5 comments

Start Early and Invest Regularly Thanks to compounding, time in the market beats timing the market. Even small monthly contributions grow significantly over time

submitted 1 day ago • 0 comments

Diversify Your Portfolio Don't put all your money in one place. Use a mix of: Stocks (higher risk, higher return) Bonds (lower risk, more stability) Real Estate or REITs Cash or cash equivalents (for liquidity) ETFs or Mutual Funds (for easy diversification

submitted 1 day ago • 0 comments

Stay Informed Learn the basics of personal finance through books, podcasts, or courses. Adjust your plan as your life and the economy change.

submitted 1 day ago • 0 comments

Invest Early and Consistently Time in the market is more powerful than timing the market. Use retirement accounts (like 401(k)s, IRAs) and low-cost index funds.

submitted 1 day ago • 0 comments

Live Below Your Means Avoid lifestyle inflation as your income grows. Save windfalls like bonuses or tax refunds.

submitted 1 day ago • 0 comments

In whatever you do always remember to budget Wisely. Track your income and expenses. Use the 50/30/20 rule as a guideline: 50% needs, 30% wants, 20% savings/debt repayment.

submitted 1 day ago • 0 comments

Hey people! New here, kindly follow me please. I will be talking about interesting things! Thanks

submitted 1 day ago • 0 comments