Part 4/10:
This is arguably the most critical portion. Every dollar you earn, regardless of your income, should allocate 15% toward your long-term future. This isn't for bills or entertainment—it's saving and investing money that works for you while you sleep.
Two purposes drive this 15%:
- Financial Safety Net: Emergency expenses like medical bills, car repairs, or job loss are inevitable. Having a dedicated fund ensures these surprises are manageable, preventing reliance on debt or credit.