Personal Finance Guide

1. Earn — Maximize your primary income and create additional sources

2. Spend — Control expenses and eliminate waste. Use PaxMoney to track every cent.

3. Save — Set aside at least 20% of income. Automate transfers.

4. Invest — Make your money work for you. PaxMoney tracks investments in stocks, REITs, ETFs, crypto, and fixed income.

5. Protect — Life insurance, health insurance, emergency fund.

Mastering these 5 pillars is the path to financial freedom.

Your financial journey has phases:

Phase 1 — Survival: Pay off debt, control expenses, build emergency fund Phase 2 — Stability: Budget working, no expensive debt, 3 months reserve Phase 3 — Growth: Investing regularly, wealth growing, diversified Phase 4 — Freedom: Passive income covers expenses, work is a choice

PaxMoney accompanies you through all phases: expenses in phase 1, investments in phase 3, total net worth in phase 4.