09/16/2022
Portrait of a financially literate person
has clearly defined financial goals for a year or several years with a budget;
knows how to save and invest;
rarely makes rash, emotional purchases, and if this happens, then strictly within the amount allocated for this;
does not have loans, especially “expensive” ones (loans in microfinance organizations, loans on bank cards);
does not consider instruments with a very high level of return for investing, as he understands that this is too risky (“financial pyramids”, dubious earnings on the Internet).