You have just taken a step in the right direction.

There is a distinction between being rich and being wealthy.

A high salary 💰 , an expensive car 🏎 , designer clothing 🛍 , ect. are all images of excess, but they carry little weight on the scale of wealth.

With stagnant wages and a rising cost of living, statistics like:

• 74% of all American employees live paycheck to paycheck
• 25% of households that earn over $150,000 live paycheck to paycheck
• 58% of Americans have less than $1,000 in savings

are only going to get worse.

So many struggle with financial fitness.

Budgeting seems like a pain. Investing appears complicated. Starting a business is risky.

Excuses, excuses.

...In reality,

Personal finance is simple.

Building wealth starts by following a series of steps.

The steps may seem daunting. But as a programmer, you are already accustomed to following a set of objectives.

Overtime, the steps will be come second nature, and you will reap the rewards.

No more excuses...

Time to start.

The following list is a set of curated objectives, designed to help you start of your journey toward building wealth:

1. Calculate your monthly expenses.

2. Create a budget so that you can save more than you spend.

3. Contribute up to your employer's 401k/403b match.

4. Concentrate on paying off all debt.

5. Construct an emergecy fund consisting of 3-6 months of expenses.

6. Capture the benefits of a tax-advantaged investment account.

7. Continue to save, invest, and focus on generating positive cash flow.

What's next?

We create content on a variety of topics. Check out our blog to learn about automating your investment research, building an algorithmic trading strategy or starting a side project.