X Rated

Summary: Demystify investing for beginners—explain stocks, ETFs, robo-advisors, and fractional shares. Offer a simple starter guide with low-risk, beginner-friendly options.

  Summary: Cover small but powerful habits like automating savings, tracking expenses weekly, and avoiding lifestyle inflation. End with a habit tracker template or monthly checklist.

  Summary: Break down how the 50/30/20 budgeting method works—allocating income toward needs, wants, and savings. Include real-life examples and tools/apps to help track spending.