How to Start Managing Your Personal Finances from Scratch (Even If You’re Broke)

Curious how someone landlocked by debt and zero savings finally cracked the code—and built a buffer, paid off high‑interest loans, and even started investing—all without a finance degree or big paycheck? This guide breaks it down step by step, from budgeting with the 50/30/20 rule to boosting income, managing debt, and growing wealth. See how small changes can spark major financial breakthroughs.