How to invest if there is no money left over? Waiting for money to be left over to start investing can be a common mistake. The recommendation is to invert the logic: instead of saving what is left at the end of the month, set aside a portion of your income immediately after receiving your salary. One of the suggested strategies is the so-called three-pot theory, which divides the budget between daily expenses, a safety reserve for emergencies, and investments aimed at future goals, such as buying a home, traveling, or retirement. The most well-known rule of thumb provides for allocating 60% of income to current expenses, 30% to financial security, and 10% to the future.
Experts emphasize, however, that the most important thing is to create the habit of investing regularly, even if the initial percentage is smaller. Every week, g1 Explica simplifies economics, the financial market, and financial education, showing how all of this affects your pocket. 📱 Favorite g1 on Google and follow the main news of the day.
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