Life in the modern world revolves around money. From essentials like food and clothing to leisure activities and healthcare, virtually everything requires financial resources. For some, money signifies happiness, while for others, it's a matter of survival. There's a perpetual quest for higher earnings, driven by the belief that achieving a certain income level will lead to financial security and prosperity. However, despite increasing earnings, many may still find their financial situation insufficient to meet their goals and desires, leading to feelings of financial strain.

Our health and energy are finite. Therefore, regardless of your current income, organizing your personal finances is paramount. This includes creating a reserve for unforeseen circumstances like income loss, illness or retirement planning as well as saving for your child’s college education. This entails limiting consumption and saving a portion of our income for a rainy day and to meet your financial goals. Financial planning is essential for personal financial management and helps navigate challenges and secure one's future. While some abstain from personal financial planning, considering themselves too young or preoccupied, others delay it, believing they barely earn enough to make ends meet. Many address their financial situation only during times of hardship, when they find themselves not only financially but also physically helpless, such as unexpected expenses or job loss. 

To meet your financial needs and goals, it’s essential to become financially savvy. This will help you make intelligent and informed financial decisions and investments, enabling you to distinguish between good and bad advice. Remember that pre-planned investments can bring you additional income. You can start with a small amount and consider allocating at least a tenth of your monthly income. This could involve further education, launching a business, or investing in financial instruments. Additionally, investments can be not only financial resources but also your time, knowledge, energy, connections, and friends — everything that will eventually turn into income. Successful investments require a combination of three essential factors: intelligence, energy, and then money. Just as every student invests in their future, it's crucial to understand that any company, whether it's big techs like Apple, Facebook, Tesla, or any other, also started from scratch.