Adulting 101: Keeping Your Bread Up, According to a Canadian GOAT 🇨🇦💰

The Deets

Alright, fam, let's get into it. This expert from the North is serving up some major keys to financial success. First thing's first: gotta know your net worth. It's basically a vibe check for your money situation – what you own minus what you owe. The goal? See that number go UP every month. Growth is the glow-up, you feel?

Next up: emergency funds. This is your "oops, I need to fix my car" or "my phone just yeeted itself off a cliff" fund. You wanna have enough stashed to cover like, 3-6 months of your expenses. It's a whole mood of security, trust.

Now for the tough talk: debt. It's a whole emotional rollercoaster, but you gotta get a grip. Peep those interest rates and pick a strategy. You can either go "debt avalanche" and slay the debts with the highest interest first, or "debt snowball" and knock out the little ones to get some quick wins. You do you, boo.

Last but not least: cash flow vs. spending. Gotta know where your money's going, period. Track EVERYTHING. See where you can cut back and make sure your spending lines up with what's actually important to you. It's all about aligning your vibe with your financial goals, bestie.