personal finance & investing
optimizing credit cards
I focus on maximizing rewards through strategic credit card usage — like using cashback cards for groceries and dining, and leveraging signup bonuses to boost savings.
- Choose cards with no annual fees whenever possible.
- Pay balances in full to avoid interest.
- Use apps and tools to track spending and rewards.
tracking spending & saving
Conscious spending means prioritizing what matters most to me and cutting back on expenses I don't value. I automate savings so it happens consistently without extra effort.
- Automate transfers to high-yield savings accounts.
- Review monthly spending and adjust goals.
- Keep an emergency fund for unexpected expenses.
building wealth as a student
Starting early gives me a huge advantage thanks to compound interest. Even small, consistent investments can grow significantly over time.
- Dollar-cost averaging into low-cost index funds.
- Keeping a long-term mindset to ride out market fluctuations.
- Learning about risk tolerance and adjusting allocations accordingly.