Rui Hachimura

Starting to invest can feel intimidating, but your first year doesn’t need complex strategies—it needs a clear checklist of smart moves that reduce mistakes and build consistency. This beginner-friendly guide lays out a practical first-year investing plan: get the basics right, automate, diversify, and avoid the common traps that derail new investors. Your first year … Ler mais

Living without a financial plan usually doesn’t “feel expensive” day to day—but it quietly charges you in stress, missed opportunities, higher fees, and slower progress. This article explains the real (often invisible) costs of not having a plan and gives a beginner-friendly way to build one that’s simple, flexible, and realistic. Key Takeaways What “a … Ler mais

You don’t need a finance degree to make smart money decisions—you need a few reliable rules you can apply in real life. This beginner-friendly guide teaches five core financial rules that work together as a simple system: create breathing room, build protection, eliminate expensive debt, and grow wealth steadily.​ If money feels confusing, that’s normal. … Ler mais

Wellbeing is often portrayed as something you earn through major life changes—strict diets, intense workouts, perfect routines, or expensive supplements. But for most people, wellbeing improves through quiet consistency: small habits that reduce friction, stabilize your mood, and help your body recover each day. This article is for beginners who want to feel better without … Ler mais

Paying off loans responsibly isn’t about extreme sacrifice—it’s about using a clear system that protects your essentials, reduces interest costs, and keeps you consistent month after month. This beginner-friendly guide walks you through practical debt management strategies you can apply to credit cards, personal loans, student loans, and other common debts. Debt becomes stressful when … Ler mais

Building savings isn’t about being “good with money”—it’s about using a simple system that makes saving automatic and realistic. This beginner guide walks step by step from getting control of cash flow to building an emergency fund, cutting expenses without misery, and saving consistently even on a normal income. Saving money can feel impossible when … Ler mais

Managing your money can feel overwhelming, especially when life’s expenses constantly change and unexpected costs pop up. Many people start budgeting with good intentions, only to lose momentum after a few weeks because the process feels too complicated or restrictive. The frustration of watching money disappear without clear results leads to stress and discouragement, leaving … Ler mais