Never leave your wallet completely empty

Life is unpredictable and everyone has their own, so there is no universal financial plan. But there are financial goals that almost everyone faces at different moments in life.
Check this checklist to make sure you haven’t forgotten anything. ⠀

18-25 years old

On the one hand, this is a difficult time: people are just starting to work and get settled in life, money is catastrophically small, and how to live is not very clear. On the other hand, this is a delightful time when a young person becomes independent and can live and spend money the way he wants.

At this time, I was spending everything I earned clean up. Everything that remained from household expenses was spent on dresses, cosmetics, travel and other joys of life. I thought little about the future (only about how to earn more), put off nothing and was completely happy and carefree.


✅ Get on your feet stronger and achieve maximum salary growth.

How many years do Russians become financially independent?

According to the survey, Russians become financially independent at the age of 26.

25-30 years old

At this age, all more or less achieve their first professional success and begin to receive a stable salary. Many are starting a family. In big cities, most often they do not have children yet, but they slowly begin to prepare for the future.

For example, I got seriously concerned about planning finances at 26. At that time I had a budget, I started saving and stopped spending money on nonsense. It was morally easy to do this, because financially, I had a break from this and satisfied all my needs for irrepressible purchases. Well, I finally thought about the housing issue.


✅ accumulate a safety cushion (3-6 monthly income);

✅ start saving for a down payment on a mortgage or housing;

✅ at least roughly decide who and how will work when children are born.

30-40 years

The most financially difficult age. At this time, the majority usually already have children, for the maintenance of which a lot of money is needed, mortgage payments are added, and the need to save does not go away.


✅ pay off the mortgage;

✅ not waste your savings, but at least slightly increase them;

✅ Start planning your retirement gradually.

40-60 years

At this time, you need to help the children get on their feet – pay for their education, perhaps buy a small living space (so that they have already fluttered out of your nest). Some will still need to help their parents, and all will need to start saving for their old age. After all, we all understand that we should not rely only on the state pension.


✅ pay for education for children;

✅ save up for retirement.

60 years +

At this age, they officially retire. It’s good if you have the opportunity and desire to continue working. Ideally, after 60, the time of pleasure should come: all financial obligations have been fulfilled, money has been accumulated, there is still strength. You can travel, learn new professions (for example, become a yoga instructor, if you have dreamed for a long time!) And do everything that there was not enough time for before.

Don’t keep money in your clothing pockets or just in your purse. Thus, you seem to tell them that you do not appreciate them, do not love them. And if so, then over time they will stop “sticking” to you. No respect, no money. If you don’t want to be on the verge of poverty, buy a beautiful wallet and keep your money only there. And for a secret piggy bank, wind up a beautiful envelope or box.

Even if you were given change in crumpled bills, straighten them out. Only store bills as they are. Crumpled, crumpled, they can “take offense” at you for being disrespectful and “leave home”.

To always have money in the house, you should put a coin under the door mat (from the side of the apartment), eagle up.

A brand new banknote lying on a jar of honey will lure its fellows like bees to a sweet treat.

Never store money in the bathroom or toilet, otherwise the water will wash away the money from you.

Recalculate your savings from time to time. At the same time, slightly rustle with bills and jingle coins, while saying: “money to money.”

Never leave your wallet completely empty – no money. Otherwise, other coins and bills will not find their way to you. You can even put one new bill in a secret pocket, which will act as a “magnet” for new receipts.