12 Essential Money Tips for Every Phase of Your Financial Life
12 Essential Money Tips for Every Phase of Your Financial Life
Get the secrets money experts want you to know. By Gabrielle Olya May 17, 2021
Everyone makes money missteps at some point in their lives, whether it's splurging on unnecessary items or neglecting to contribute to retirement funds as soon as possible. Even financial pros are not immune to making mistakes. To help you avoid unnecessary pitfalls, check out these tips and tricks that can help you live your best money life -- no matter your age.
Start With Saving
Although it’s tempting to spend rather than save when you get a paycheck, it’s important to prioritize putting money away into your checking or savings account. On top of that, you should also use the right checking or savings accounts to grow your money.
Avoid Lifestyle Inflation
It's important to increase your savings rate whenever you start earning more in order to keep growing your net worth.
"Save one-third of every pay raise you get so you don't succumb to lifestyle inflation," said Ted Jenkin, a certified financial planner. By starting this practice early in your career, you'll develop good habits like saving, investing and paying down debts instead of spending it on more stuff you won't care about in a few years' time.
Don't Waste Your Money on Things You Don't Need
Whether you've just received your first paycheck or your first raise, it can be tempting to spend your money on things you want rather than on things you need -- but this can be a huge mistake.
"Don't spend so much money on clothing," said Michelle Schroeder-Gardner, founder of the personal finance blog "Making Sense of Cents." "I've worked full-time since I was around the age of 14, yet I didn't really start saving money until nearly a decade later."
Don't Buy Things To Impress Other People
Spending on immediate wants can hurt your future needs, said John Rampton, founder and CEO of Calendar.
"Don't waste your time on expensive cars or gadgets," he said. "It's better to save money for the long-term and for things that can keep generating money, rather than taking (your) money."
Start Investing In Your Retirement ASAP
A GOBankingRates' retirement savings survey found that 64% of Americans have less than $10,000 saved for retirement. It's easy to put off saving for retirement when you're in your 20s, but that's the best time to start. The sooner you save, the sooner you can take advantage of compound interest. No matter your age, it's important to prioritize investing in your retirement accounts.
Don't Fear the Stock Market
Doing something that scares you can be a good thing for your finances. Novice investors are often scared of the stock market, but just by getting started, even on a small scale, you're furthering your financial life. Learn some of the safer ways to invest for the long term if you're worried about making mistakes. And the sooner you get started, the better off you'll likely be.
Now, Invest Even More
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Your Mortgage Is Now Competing With Google and the Pentagon
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Hardly a week goes by without another data center announcement, and the projects have gotten so big that they're now measured in gigawatts.
A gigawatt is a billion watts of electricity. Running around the clock, one gigawatt is enough to supply about 800,000 average American homes— and a single large data center is now built at that scale.
Is Scott Bessent turning off Iran is then the QFS turned on
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A fundamental restructuring of global economic power is quietly under way, marking a dramatic departure from decades of traditional central banking control.
In a compelling analysis, Dr. Scott Young explores how recent shifts in U.S. financial strategy under the Trump administration signal a new era of monetary enforcement and sovereign economic realignment.
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Rick Rule puts the U.S. financial system on trial. In this unconventional and provocative interview,
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Brent crude futures were up $1.05, or 1.2%, to $91.54 a barrel at 0455 GMT, while U.S. West Texas Intermediate crude was up $1.27, or 1.5%, to $87.03.
Good Afternoon Dinar Recaps,
Japan's 30-Year Bond Shock: Rising Yields Challenge the World's Debt System
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Ariel: Banking Infrastructure Preparations for the Iraqi Dinar Revaluation Event
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THE SEPTEMBER 30 CONDITIONAL
Iraq’s announcement that it will not extend the September 30 deadline for US troop withdrawal is the public-facing lever.
TNT:
Tishwash: Al-Zaydi, in a meeting with the framework: The file of vacant ministries will be completed this week.
Prime Minister Ali al-Zaidi confirmed that discussions regarding the vacant ministries will be completed this week, during a new meeting with the coordination framework held in the office of Badr Organization leader Hadi al-Amiri.
According to a statement published by the Coordination Framework, the meeting discussed "the latest developments at the local and international levels," while Al-Zaydi announced at the beginning of the meeting that "discussions related to completing the government formation will be completed during this week, in preparation for sending it to the House of Representatives next week for a vote."
Note: All intel should be considered as "Rumors" until we receive official announcements ...and “Rates and Dates” could change anytime until we get to the banks/redemption centers.
RV Excerpts from the Restored Republic via a GCR Update as of Tues. 1 Sept. 2026
Compiled Tues. 1 Sept. 2026 12:01 am EST by Judy Byington
The Ultimate Interoperability Grid Is Going Live – And the Legacy Rails Are Being Bypassed Forever. …US Treasury Center on Telegram Mon. 31 Aug. 2026
While the legacy financial media is still arguing over inflation data and interest rate cuts, a seismic infrastructure shift is (allegedly) quietly locking into place. The old correspondent banking network—built on fragmented ledgers, multi-day delays, and archaic messaging—has officially hit a structural wall. Cross-border payments are taking longer, friction is mounting, and traditional institutions are scrambling to plug the leaks.
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Good Morning Dinar Recaps,
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In this week’s Live from the Vault, Andrew Maguire is joined by Bill Holter to examine whether Trump's repost of Jim Rickards' $10,000 gold call signals something far bigger than a market comment, and what it means for gold and the dollar system.
The two precious metals experts examine why credit markets are beginning to crack, and why Bill believes any gold price target being discussed today will ultimately prove laughably low — including the ones that sound outrageous right now.
MilitiaMan & Crew: What's Happening Now: Militia Man's Take on Current Events
8-31-2026
The Crew: Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man
No drama. No intrigue. No songs and dances. Just straight, factual news that I read and interpret to the best of my ability after being an avid Dinar investor and insanely obsessed Dinarian for over 15 years.
Follow MM on X == https://x.com/Slashn
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Information/Baghdad... MP Murtadha Afween confirmed on Monday that the project to remove zeros from the Iraqi currency has not yet moved to the implementation phase, indicating that the project does not represent a direct solution to the crises plaguing the Iraqi economy.
Afween told the Information Agency that “the issue of removing zeros from the currency has not yet reached the implementation phase,” explaining that “the project has not contributed to addressing the crises facing the Iraqi economy.”
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In November 2008, California voters approved a ballot measure to build a bullet train from San Francisco to Los Angeles. It was supposed to be fast enough to make the journey in under three hours. And passengers could hop on by 2020, for a total cost of $33 billion.
Eighteen years later, there is nothing to ride.
KTFA
Monday Night Video
FRANK26…8-31-26….LOUDER ANNOUNCEMENT!!!
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
How Close Is The Dinar Revaluation ?
The Dinar Den: 8-30-2026
The journey of following the Iraqi dinar (IQD) has tested the patience of investors worldwide for nearly two decades. Recently, a compelling discussion between two seasoned market participants with over 16 years of individual experience shed light on the latest developments surrounding the currency’s potential revaluation and redenomination.
This in-depth conversation offers a much-needed analytical breakdown of the conflicting reports circulating in the financial community, providing a clearer picture of where the process currently stands.
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The debt has increased by 15.557 trillion IQD (about $11.9 billion), or about 17.2%, since the end of 2025, when it stood at 90.515 trillion IQD (about $69.1 billion).
Good Afternoon Dinar Recaps,
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Ariel: Venezuela Lopped 14 Zeroes off its Currency
8-31-2026
Hypothetically Speaking:
Venezuela has lopped 14 zeroes off its currency since 2008. The “Soberano” series itself was redenominated into the “Digital” Bolivar in 2021 at a 1:1,000,000 ratio.
Venezuela pegs VES to XRP/XLM/ADA infrastructure and backs it with oil+gold reserves at a fixed rate. Ex-Reval- triggers globally — $300 (VES-Digitales Soberano) million on 1B notes at 30 cents is your number.
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