I believe that financial management and budgeting should be a mandatory subject in schools. Many adults only learn to manage their finances correctly later in life, or through severe setbacks that affect their personal lives for years. Some never learn at all and live in a constant state of financial turmoil that prevents them from advancing or growing.

There are many techniques and formulas for creating budgets, both in personal and professional contexts, but the key in all of them is the same: do not spend more than you have, try not to depend on a single source of income, and prioritize assets over liabilities.

The goal is to achieve financial freedom as early as possible in life.