Start from Scratch A Simple Guide to Managing Your Money in Your 20s

Are you in your 20s and feeling lost when it comes to managing money?
You're not alone — and this guide is made just for you.

“Start from Zero” is a practical and beginner-friendly personal finance ebook designed to help you take full control of your money — even if you're starting with nothing.

Inside this powerful PDF guide, you’ll discover:

✅ How to create a realistic monthly budget
✅ Smart money habits to build financial confidence
✅ Simple saving strategies that work — even with a low income
✅ Step-by-step guide to investing for beginners
✅ How to avoid the most common money mistakes in your 20s
✅ The truth about debt, credit, and emergency funds
✅ Actionable tips to build wealth from scratch

Whether you're a college graduate, a young professional, or simply someone who wants to improve their financial literacy, this book will give you the tools and mindset to build wealth and achieve financial independence — starting today.

💡 Perfect For:

• Beginners who want to learn about money management
• Young adults looking to budget, save, and invest
• Anyone who wants to start building financial freedom early
• People tired of living paycheck to paycheck

📦 What You Get:

• 1 high-quality PDF ebook (ready to download instantly)
• Lifetime access — learn at your own pace
• Easy-to-follow chapters with real-life examples
• Also you can get an audio fil with your e-book when you buy this e-book