Review of Nicole’s Guide on ”It’s Not too Late to Save and Invest”.

Review of my guide on starting small when it comes to saving and investing.

• Start by tracking your income, expenses, debt, and savings.

• Move from fear and guilt to empowerment; focus on progress, not perfection.

• Begin with as little as $5/week; use high-yield savings accounts and round-up apps.

• Adopt zero-based budgeting, cash-stuffing, or the 70/20/10 rule to manage unpredictable expenses.

• Cut unnecessary expenses, renegotiate bills, and set financial boundaries.

•  Invest small amounts consistently; use ETFs and platforms like Fidelity or Vanguard.

• Explore side hustles, freelancing, and gig work that align with your skills.

• Use snowball or avalanche methods; communicate with creditors for support.

• Set weekly goals, affirm your progress, and define what financial peace looks like for you.

• Start where you are, not where you think you should be.