Part 8/10:

He stresses that building such a roadmap helps visualize the journey, providing motivation and understanding of how each small step contributes to the bigger financial picture. Starting small also reduces overwhelm and makes the process manageable for recent graduates or those new to financial planning.

Navigating the First Paycheck and Beyond

The first paycheck can be both exciting and daunting. Many young graduates feel the urge to indulge or spend freely because "it’s their money." Martin advises a balanced approach: enjoy your earnings, but with prudence.