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How to Achieve Financial Freedom: 3 Secrets to Saving and Profitable Investing
Are you looking for a sustainable path to financial freedom? Don't miss these 3 golden tips to master your money today. This article will provide detailed guidance on how to save money smartly, cut unnecessary expenses, and establish a safe profitable investment strategy. Start building a wealth-building mindset to achieve your financial goals sooner!
According to many personal finance surveys, over 70% of Vietnamese people believe they don't have a clear plan to achieve financial freedom, even though everyone wishes to live comfortably without worrying about money. The issue is not how much you earn, but how you manage and use your money.
This article will help you understand how to achieve financial freedom through simple yet effective steps: choosing the right career path, knowing how to save, investing smartly, and controlling expenses. Whether you're starting from scratch or already have a stable income, this is a practical roadmap to gradually get closer to the goal of sustainable wealth creation and living the life you desire.
How to get rich and achieve financial freedom
Prioritize debt repayment and building an emergency fund
- Pay off high-interest debts first (credit cards, consumer loans) to avoid "losing money to interest."
- Build an emergency fund covering 3-6 months of living expenses to protect against risks like job loss or illness.
- This is a crucial foundation in achieving financial freedom, helping you avoid pressure when unexpected events occur.
Save smartly to preserve and grow your money
- Open a high-interest savings account at a reputable bank to prevent your money from "standing still."
- Prioritize fixed-term deposits or flexible accounts with good interest rates.
- This is a basic step in personal financial management and long-term asset accumulation.
Find a financial mentor if needed
- Working with an expert or experienced person helps you avoid costly mistakes.
- Learn how to plan your money, invest, and allocate assets appropriately.
- This is a way to shorten your journey to sustainable wealth creation instead of fumbling on your own.
Save at least 15% of your income
- Allocate at least 15% of your income each month to savings or investments before spending.
- Gradually increase this percentage as your income grows to accelerate your path to financial freedom.
- Apply the "pay yourself first" principle to steadily build wealth.
Create and stick to a monthly budget
- Record all income and expenses to know where your money goes.
- Allocate funds into categories: essentials, savings, investments, entertainment.
- Budget control helps you maintain discipline – a core factor in achieving financial freedom.
Tip 1: How to increase income and advance your career
Step 1: Increase income by learning in the right direction
Invest in education to increase long-term income
- Choose the right path: university, college, or vocational training in high-demand fields (IT, engineering, marketing, finance, etc.).
- Focus on skills that create real value, not just degrees.
- In the early stages of your career, employers often evaluate based on educational background, so studying in the right field will help you secure a better starting salary.
- This is an important step in achieving financial freedom, as higher income helps you save and invest faster.
Continuously upgrade skills to stay relevant
- Take short courses, professional certifications, or online learning to stay updated with new knowledge.
- Prioritize skills that can directly increase income, such as sales, negotiation, financial management, and technology.
- People with market-relevant skills always have an advantage in salary increases or better job opportunities.
- This is the foundation for sustainable wealth creation instead of relying solely on a fixed income source.
Find a mentor to shorten your path to success
- A mentor is someone with practical experience who can help you avoid mistakes and provide clearer direction.
- They can share how to develop skills, build a career, and increase income faster.
- Don't hesitate to proactively connect with people you admire through social media or your workplace.
- In reality, most people don't have mentors, so this is an advantage if you utilize it on your journey to financial freedom.
Step 2: How to effectively ask for a raise
Proactively ask for a raise at the right time
- Only ask for a raise when you have clearly demonstrated value to the company.
- Good times are after completing a major project, achieving KPIs, or when the company has positive business results.
- This is a practical step to increase income quickly on the path to achieving financial freedom.
Document achievements to prove your value
- Record specific results: sales achieved, costs saved, successful projects.
- Prioritize clear metrics (%, revenue, efficiency) to increase persuasiveness.
- With concrete data, you are not "asking" for a raise but "proposing based on value."
Prepare clear, convincing reasons for a raise
- Briefly explain your contributions and the benefits you brought to the company.
- Compare your salary with market rates for similar positions to increase credibility.
- This helps you elevate your position and get closer to your goal of sustainable wealth creation.
Maintain a professional attitude during discussions
- Choose to discuss in person, politely, and focus on work, not emotions.
- Avoid comparing yourself to colleagues; instead, focus on your unique value.
- A good discussion not only helps with a raise but also opens up opportunities for long-term development in personal financial management.
Step 3: Increase income with a side hustle
Create a second source of income
- If your current salary isn't enough, actively seek other income sources to improve cash flow.
- Additional income helps you cover living expenses while accumulating and investing faster.
- This is a practical way to accelerate achieving financial freedom in a short time.
Start with a part-time job or freelance work
- Do extra work outside of hours such as: content writing, design, tutoring, online sales.
- Choose flexible work that doesn't interfere with your main job.
- Even small side income, when accumulated over time, will build a foundation for sustainable wealth creation.
Build a side hustle from personal skills
- Utilize existing skills: drawing, writing, repairing, programming, video production, etc.
- Dedicate a few hours each week to develop it into a stable income source.
- A good side hustle can evolve into a primary income source in the future.
Optimize time to increase earning efficiency
- Schedule your main job and side work specifically to avoid burnout.
- Prioritize work that has the potential to increase income over time, not just trading hours for money.
- With multiple income streams, you will have more control over your personal financial management and get closer to financial freedom.
Step 4: Choose a high-paying career to get rich
Prioritize high-income careers from the start
- When choosing a career, consider the average salary and opportunities for income growth over time.
- High-income careers help you accumulate wealth faster, shortening your journey to achieving financial freedom.
- Don't just choose based on interest; balance passion with earning potential.
Explore common high-paying industries
- Medicine (doctors, surgeons, anesthesiologists): very high income if pursued long-term.
- Oil and gas engineers, energy: high salaries, stable demand.
- Lawyers: good income with experience and reputation.
- Information Technology (IT, software engineers, IT managers): a rapidly growing industry with high earning potential.
- These are all practical choices to help you quickly reach your goal of sustainable wealth creation.
Re-evaluate your current career if income is limited
- If your current job offers limited salary growth, consider switching to a more promising industry.
- Thoroughly research the job market before switching to minimize risks.
- Choosing the right career can create a significant turning point in your personal financial management.
Combine skills and market demand to maximize income
- Choose a career that not only pays well but also aligns with your abilities.
- Continuously upgrade your skills to increase your value in the industry.
- When you are among high-value professionals, the opportunity to achieve financial freedom will come faster.
Step 5: Job hopping to quickly increase income
Proactively seek better opportunities within the same industry
- Once you have experience, don't hesitate to look for new jobs with higher salaries.
- Job hopping at the right time helps increase income faster than waiting for internal raises.
- This is a practical strategy to shorten the journey to achieving financial freedom.
Leverage your value to negotiate
- If you are a valuable employee, your current company may offer a raise or benefits to retain you.
- Always prepare your portfolio and achievements to gain an advantage in negotiations.
- This is how to turn "opportunity" into "actual income."
Start in a lower position but choose the right company
- Join a large company with clear promotion policies, then gradually move up.
- Many companies prioritize internal promotions, helping you steadily increase your income over time.
- Choosing the right environment is a crucial foundation for sustainable wealth building.
Stay or Go: Decisions Based on the Future
- If your current job has growth potential and you feel it's a good fit, continue to commit.
- If income and opportunities are limited, be bold and seek new paths.
- The right decision helps you optimize personal financial management and accelerate your income.
Choose a place to live that aligns with career opportunities
- Some industries thrive in large cities or specialized areas.
- Consider living environments with more job opportunities and better salaries.
- Positioning yourself in the right "market" will help you move faster towards financial freedom.
Tip 2: Money-saving tips and optimizing daily expenses
Tip 1: Set clear financial goals
Define specific financial goals
- Ask yourself: when do you want to retire, how much money do you need, what are your life goals?
- It could be buying a house, raising children, investing, or achieving early financial freedom.
- The clearer your goals, the easier it is to build an appropriate savings and investment plan.
Calculate the amount of money needed
- Estimate the total amount of money needed to achieve your desired "rich" goal.
- Based on current living expenses, inflation, and accumulation time.
- This is an important step in how to achieve financial freedom, helping you stay on track.
Prioritize building an emergency fund first
- Set aside an amount equivalent to 3–6 months of living expenses.
- This fund helps you handle situations like job loss or illness without falling into a financial crisis.
- This is a mandatory foundation for safe personal financial management.
Turn goals into an action plan
- Break down large goals into monthly or yearly milestones.
- Track savings progress and adjust as needed.
- With a clear plan, you will move closer to sustainable wealth building instead of just being vague about money.
Tip 2: Save 15% for financial freedom
Allocate at least 15% of your income as soon as you get paid
- Every time you get paid, immediately transfer 15% to your savings account before spending.
- Consider this a "mandatory expense," not what's left over.
- This is a core principle in how to achieve financial freedom.
Increase savings rate over time
- 15% is the minimum; aim for 20% or more as your income grows.
- Every time you get a raise, prioritize increasing your savings rate instead of your spending.
- This helps you accumulate wealth faster and move closer to sustainable wealth building.
Automate savings to avoid "forgetting"
- Set up automatic transfers to your savings account each month.
- Separate accounts to prevent accidental spending.
- This is a simple but effective method in personal financial management.
Understand the power of long-term accumulation
- Wealth is not built from one large windfall, but from consistent saving habits.
- The earlier you start, the more time your money has to grow.
- Saving today is the foundation for financial freedom tomorrow.
Control spending to protect your goals
- Limit impulse purchases and unnecessary spending.
- Prioritize long-term goals over short-term gratification.
- Financial discipline is a decisive factor in how to achieve financial freedom.
Tip 3: Effective monthly budgeting
Build a clear monthly budget
- List all income and fixed expenses: rent, food, transportation, bills.
- Allocate funds for savings and investments before calculating other expenses.
- This is a foundational step in how to achieve financial freedom.
Allocate money reasonably, including a "treat yourself" fund
- Divide your budget by category: essential needs, savings, investments, entertainment.
- Allocate a small portion for personal spending to avoid feeling "restricted."
- Good balance helps you maintain long-term discipline and move towards sustainable wealth building.
Adhere to the budget with discipline
- Track daily expenses to ensure you don't exceed your plan.
- If you overspend, adjust immediately within the month instead of ignoring it.
- Discipline is the decisive factor in personal financial management.
Use tools for better control
- Use apps like Mint, EveryDollar, or other popular expense tracking apps.
- Automatic recording helps you see your cash flow clearly and make adjustments easily.
- The right tools will help you move faster towards financial freedom.
Tip 4: Track expenses for effective saving
Record all daily expenses
- Record everything: from food and coffee to large expenses like rent.
- Don't miss small amounts, as "small change" adds up to large sums over time.
- This is an important step in how to achieve financial freedom.
Use apps for easier management
- Use apps like Mint, EveryDollar, or other expense tracking applications.
- Automatic categorization and aggregation help you clearly see your cash flow.
- The right tools make personal financial management simpler and more accurate.
Analyze expenses after 2–3 months
- Review data to see where your money is "flowing" the most.
- Identify areas where you can cut back or optimize.
- This step helps you save smarter, without sacrificing too much.
Adjust to optimize and accumulate more
- Cut unnecessary spending, prioritize savings and investments.
- Reallocate your budget so that money serves long-term goals.
- By controlling your cash flow well, you will move faster towards sustainable wealth building and financial freedom.
Tip 5: Escape debt for financial freedom
Prioritize paying off debt as soon as possible
- View debt as a "financial hole" that needs to be plugged immediately.
- Focus on paying off high-interest debts first (credit cards, consumer loans).
- Once debt-free, you retain more money for savings and investments - the foundation of how to achieve financial freedom.
Limit credit card use to avoid re-indebtedness
- Prioritize cash or debit cards to better control spending.
- Credit card users often spend more due to the feeling of "not seeing the money."
- Controlling expenses is a core factor in personal financial management.
If using a credit card, pay it off in full each month
- Pay off your entire balance on time to avoid interest and late fees.
- Turn your credit card into a convenient tool, not a financial burden.
- This small discipline helps you move closer to sustainable wealth building.
Optimize large loans to reduce interest pressure
- Consider restructuring loans (e.g., shortening a home loan term).
- Shorter loan terms help reduce the total interest paid.
- Reducing interest costs is a subtle yet effective way to move faster towards financial freedom.
Maintain a long-term debt-free status
- After paying off debt, maintain the habit of spending within your means.
- Avoid borrowing for non-essential needs.
- No debt means you control your cash flow – a big step towards achieving financial freedom.
Tip 6: Reduce living expenses to save faster
Cut down on small daily expenses
- Limit eating out, buying unnecessary items, or other expensive daily habits.
- Small amounts add up over time to make a big difference.
- This is a simple but effective step in achieving financial freedom.
Optimize major life expenses
- Consider a smaller home, or renting instead of buying if not yet necessary.
- Choose a car that fits your needs, prioritize used cars over new ones to reduce financial pressure.
- Reducing large expenses helps you save faster and get closer to sustainable wealth building.
Identify and eliminate "unconscious spending"
- For example: daily coffee can cost millions a year if not controlled.
- Ask yourself: is this expense really necessary?
- Controlling this habit significantly improves personal financial management.
Save on monthly living expenses
- Turn off lights when not in use, optimize air conditioning, use energy-efficient appliances.
- Compare and choose reasonable electricity, water, and internet service packages.
- Reducing fixed costs is a silent but sustainable way to achieve financial freedom.
Strategic saving mindset
- It's not about cutting everything, but spending smarter.
- Prioritize long-term value over short-term convenience.
- When you spend less than you earn, you are building a solid foundation for achieving financial freedom.
Tip 7: Live simply to save money
Maintain a stable lifestyle as income increases
- When you earn more money, don't rush to upgrade everything in your life.
- Avoid "lifestyle inflation" – earning more but also spending more.
- This is an important principle in achieving financial freedom.
Distinguish between needs and wants
- Ask yourself: do you really need to upgrade or just because you "can afford it"?
- For example: if your current living situation is fine, there's no need to move to a more expensive place just because your income has increased.
- Conscious spending helps you get closer to sustainable wealth building.
Prioritize saving and investing over spending
- When your income increases, first increase your savings or investment rate.
- Use the additional income to build assets instead of upgrading your lifestyle.
- This is how you make money "work for you" in personal financial management.
Upgrade expenses when truly necessary
- If your living space, transportation, or living environment are no longer suitable, upgrading is reasonable.
- The important thing is to make decisions based on actual needs, not emotions.
- Prudent spending is key to maintaining long-term financial freedom.
Long-term mindset over short-term gratification
- Wealth doesn't come from how much you spend, but from how much you keep and grow.
- Good lifestyle control helps you accumulate faster over time.
- This is the solid foundation for achieving financial freedom.
Tip 8: Spend smartly, avoid "money pits"
Evaluate true value before buying
- Ask yourself: does this item help you get closer to your financial goals?
- Prioritize expenses that bring long-term value over temporary emotions.
- This is an important principle in achieving financial freedom.
Avoid "financial traps" that easily lose money
- Limit participating in gambling, lotteries, or other "luck-based" forms.
- The probability of getting rich from these channels is very low, but the possibility of losing money is high.
- Saving money instead of "trying your luck" is a practical way to build sustainable wealth.
Consider if premium spending is truly necessary
- For example: business class air tickets are much more expensive but don't change the destination.
- Choose a reasonable option, save the difference to invest or accumulate.
- Smart spending helps you optimize personal financial management.
Avoid buying rapidly depreciating assets
- New cars, expensive tech gadgets often depreciate significantly after a few years.
- Choose a reasonable option (used car, mid-range product) to save costs.
- Reducing asset depreciation is an important step in achieving financial freedom.
Focus on long-term value
- Prioritize investing in things that help increase income or personal value.
- Avoid spending just to "show off" or follow trends.
- When you carefully control every purchasing decision, you are building a solid foundation for financial freedom.
Tip 3: Smart investment guide for beginners
Step 1: Invest in retirement for financial freedom
Start retirement planning as early as possible
- Don't wait until you're "old to worry," because time is a determining factor in investing.
- The earlier you start, the more time your money has to grow thanks to compound interest.
- This is an important step in long-term achieving financial freedom.
Utilize tax-advantaged investment accounts
- Retirement funds like IRAs or Roth IRAs help money grow more effectively thanks to tax benefits.
- You save and invest without being "eroded" by taxes too early.
- This is a common strategy for sustainable wealth building in many countries.
Understand the benefits of a Roth IRA (reference model)
- Contributions are taxed beforehand, but withdrawals in the future are tax-free.
- Investments grow over time without being taxed upon withdrawal if done according to regulations.
- This is how to optimize profits in personal financial management.
Invest regularly, even small amounts
- You don't need to start with a large sum, consistency is key.
- Monthly contributions build habits and significantly accumulate over time.
- The power of discipline helps you get closer to financial freedom.
Proactively learn before investing
- Thoroughly research investment channels before putting money into them.
- Use reliable information sources to avoid unnecessary risks.
- Knowledge is the "leverage" that helps you move quickly and surely on the journey to achieving financial freedom.
Step 2: Invest in a 401(k) to grow your assets
Utilize 401(k) to accumulate for retirement
- A 401(k) is an investment account offered by employers, allowing you to deduct pre-tax money for investment.
- Money is invested and grows over time, helping you build a solid financial foundation.
- This is an important part of long-term achieving financial freedom.
Don't miss out on "free money" from your company
- Many businesses have a "matching" policy – contributing additional funds corresponding to your investment.
- For example: if you contribute 5%, the company might contribute an additional 5% → totaling 10%.
- This is almost guaranteed profit, helping you accelerate sustainable wealth building.
Combine multiple sources to optimize retirement savings
- In addition to a 401(k), you can combine it with an IRA, savings, and other investments.
- Diversifying sources helps reduce risk and increase asset accumulation.
- This is a smart approach in personal financial management.
Start early to take advantage of compound interest
- The earlier you invest, the more time your money has to grow significantly.
- Even with small initial amounts, the long-term effect is still very large.
- Time is the most powerful "leverage" in achieving financial freedom.
Do not rely entirely on social welfare
- Retirement benefits are often insufficient to maintain a comfortable life.
- Proactive investment and saving will help you control your financial future.
- This is the core mindset in how to achieve sustainable financial freedom.
Step 3: Invest in stocks for profit
Start investing to make your money "work for you"
- Investing in stocks, bonds, or mutual funds helps generate returns over time.
- Instead of just saving, investing helps you accelerate how to achieve financial freedom.
- The goal is to create a passive income stream sufficient for long-term living.
Choose safe and well-founded investment channels
- Prioritize businesses with solid finances, reputable leadership, and promising industries.
- Index funds are suitable for beginners: low fees, diversified risk.
- This is a sustainable approach to sustainable wealth building.
Understand the power of long-term returns
- For example: investing 1 billion VND with a 7%/year return can generate an income of about 70 million VND/year (not including inflation).
- The longer you invest, the stronger the compound interest effect.
- This is the "silent leverage" in personal financial management.
Be patient and avoid risky short-term trading
- Long-term investing is often more effective than frequent buying and selling.
- Over-trading can lead to losses due to emotions and poor decisions.
- Avoid the "get rich quick" mentality; focus on a solid strategy.
Invest regularly, even with a small capital
- You don't need a lot of money to start; consistency is key.
- Regular contributions help reduce risk and gradually accumulate over time.
- Investment discipline is the key to achieving financial freedom sustainably.
Step 4: Invest in real estate to generate cash flow
Choose stable real estate to accumulate assets
- Real estate often appreciates over time, especially in developing areas.
- This is a popular channel that helps many people build substantial assets.
- It is an effective long-term strategy in how to achieve financial freedom.
Prioritize assets that can generate cash flow
- Apartments, rental homes, or mini-buildings provide you with steady monthly income.
- You get both cash flow and potential asset appreciation over time.
- This is how to combine growth and income in sustainable wealth building.
Invest in areas with development potential
- Choose locations with expanding infrastructure, growing population, and economic development.
- Land plots or newly planned areas often have good appreciation potential.
- The right location will determine the effectiveness of personal financial management.
Understand the risks before investing
- Real estate requires large capital, has slow liquidity, and can be affected by the market.
- Research legal aspects, planning, and exploitation potential before committing money.
- Smart investing helps you move quickly but steadily on the path to financial freedom.
Long-term mindset when investing in real estate
- Do not expect quick profits in a short period.
- Holding assets long-term often yields greater benefits.
- Patience is the core factor to turn real estate into a "leverage" for how to achieve financial freedom.
Step 5: Diversify investments to reduce risk
Don't "put all your eggs in one basket"
- Avoid concentrating all your money in a single channel like stocks or real estate.
- When the market fluctuates, a diversified portfolio helps you limit losses.
- This is a core principle in how to achieve financial freedom.
Allocate assets appropriately across channels
- Combine various types: stocks, bonds, investment funds, real estate, cash.
- Each channel has different risk and return levels, helping to balance the portfolio.
- This is an important strategy for sustainable wealth building.
Adjust risk level according to age
- When young: you can accept higher risk to maximize growth.
- When older: prioritize safe assets to protect accumulated gains.
- Appropriate allocation for each stage helps optimize personal financial management.
Periodically review and rebalance your portfolio
- Check your portfolio every 6–12 months to adjust according to market conditions.
- Increase/decrease the proportion of each channel to maintain financial goals.
- Proactiveness helps you get closer to financial freedom.
Long-term mindset for diversified investing
- Diversification doesn't make you rich quickly, but it helps you get rich steadily.
- Avoid being influenced by short-term market fluctuations.
- This is the sustainable foundation of how to achieve financial freedom.
Step 6: Hire a financial advisor when needed
Find an expert for clearer guidance
- If you find managing money and investing too complex, seek a financial expert.
- They help you understand your current situation and build a suitable roadmap.
- This is a way to shorten the journey to how to achieve financial freedom.
Build a thorough personal financial plan
- Experts will help you define goals, allocate assets, and develop investment strategies.
- A clear plan helps you avoid mistakes and optimize your money's effectiveness.
- This is an important foundation for sustainable wealth building.
Optimize your existing investment portfolio
- They can help you manage and adjust your portfolio according to the market.
- Ensure the risk level matches your goals and age.
- This is an advanced step in personal financial management.
Learn from the practical experience of experts
- You don't just receive advice but also learn a long-term financial mindset.
- Avoid costly mistakes that beginners often make.
- Practical knowledge is the "leverage" that helps you reach financial freedom faster.
Choose the right person, avoid complete dependence
- Find reputable, transparent, and experienced experts.
- Always understand your decisions; don't delegate full authority without control.
- Proactiveness helps you stay firm on the path to how to achieve financial freedom.
How to earn money early when young
Start earning money from simple tasks
- Sell old, unused items to generate initial funds.
- Do small jobs like mowing lawns, walking dogs, or helping out in your neighborhood.
- If old enough, take on suitable part-time jobs.
- This is a practical early start for how to achieve financial freedom.
Understand the value of money through labor
- Before buying, convert the price into the number of hours you need to work.
- For example: how many hours of your work is a 400,000 VND item worth?
- This method helps you spend more consciously in personal financial management.
Develop habits of saving and financial discipline
- Even with small income, get into the habit of saving a portion.
- Don't spend all your money as soon as you earn it.
- This is the foundation for sustainable wealth building in the future.
Learn self-reliance skills to reduce expenses
- Cooking at home instead of eating out saves a significant amount each month.
- Small skills help you control spending better.
- Spending less is the fastest way to get closer to financial freedom.
Practice controlling spending with cash
- Using cash helps you clearly perceive money flowing in and out.
- When money is "tangible," you'll find it easier to stop at the right time.
- This is a simple but effective method in how to achieve financial freedom.
Long-term mindset: create value instead of just earning money
- If possible, build a project or join a business with development potential.
- As the business grows, you can benefit greatly from equity.
- This is an advanced path to achieving financial freedom and accumulating significant wealth.
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Content edited by: Sidney Bailey Hoang.
Information reviewed and verified by expert: Jenna-Rose Finnie.
Updated on
Ngày 16 tháng 07 năm 2026 (GMT +7)
4 comments
Mục tiêu tự do tài chính của mình rất rõ ràng, chỉ thiếu mỗi… tiền để bắt đầu thôi 🤣. Đùa chút chứ mình thấy phần hướng dẫn tích lũy cho người thu nhập thấp rất thực tế. Thay vì mơ mộng làm giàu sau một đêm, mình sẽ tập trung tối ưu chi tiêu từ những khoản nhỏ nhất. Chậm mà chắc, biết đâu vài năm nữa lại thành triệu phú thật mọi người nhỉ 🚀?
Mình cũng tập tành tiết kiệm tiền dữ lắm, mà ngặt nỗi cái gì mình cũng thấy “thiết yếu” hết 🛍️. Cứ định bỏ ống heo là Shopee lại báo flash sale, thế là tiền lại “bay” về nơi xa lắm. Đọc bài này xong quyết tâm cài lại app quản lý tài chính, hy vọng lần này mình và cái ví sẽ có một cái kết hạnh phúc hơn trước khi hết năm.
Trước giờ mình toàn đầu tư sinh lời theo hệ tâm linh, tức là mua xong rồi thắp hương đợi nó lên giá 🕯️. Giờ mới biết cần phải có lộ trình quản lý tài chính bài bản như Tiptory hướng dẫn. Thôi thì từ nay bớt xem bói lại, tập trung nghiên cứu cách quản lý chi tiêu cho nó thực tế, chứ ví tiền mình nó kêu cứu dữ quá rồi!