how to manage your own money

You should learn how to manage your own money including how to save and invest so that at retirement you will have adequate funds.

Even with a moderate level of income, you can build substantial wealth by exercising discipline in your financial affairs.

Financial planning is the process of meeting your life goals through the proper management of your finances. 

Life goals can include:
1-buying a home
2-  saving for your child's education‍‍
3- planning for retirement

You should define your financial goals and establish plans to accomplish them, which may involve some sacrifices.