What to Do If You’ve Never Been Taught About Money (Start Here)

It’s Never Too Late to Learn

If no one taught you how to budget, save, or build credit — that’s not your fault. But it is your power to change. Here’s where to begin, no shame, no stress.

1. Start With Your Current Numbers

Write down what you earn, what you owe, and what you spend. Awareness is step one.

2. Create a Basic Budget

Use the 50/30/20 rule: 50% needs, 30% wants, 20% saving/debt. Keep it simple and flexible.

3. Build a $500 Emergency Fund

Start small. Even saving $10/week can build a cushion that prevents credit card debt.

4. Learn the Basics

Read blogs, follow financial educators on YouTube/Twitter, or use free apps like Mint or NerdWallet.

5. Forgive Yourself for the Past

You’re not behind. You’re building. That matters.

You don’t need a finance degree to win — you just need a plan, and the will to follow it.

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👉 Coming: “How to Teach Kids About Investing Using Everyday Language”