🚨 BREAKING: Iran moves to close the Strait of Hormuz.

A global oil chokepoint might shut down.

What does this mean for you, your wallet, and the world?

A thread 🧵👇 1/ The Strait of Hormuz is just 21 miles wide, but it’s the artery of the world’s oil supply.

🔹 1/5th of all global oil
🔹 1/3rd of the world's LNG
🔹 Every major oil-exporting country in the Gulf uses it

If Iran blocks it, the impact will be global — overnight.

How much does the world depend on China?

The answer will shock you.

Here’s the real picture - with stats: 🌎 1/ China is not just a country.
It’s an economic superpower.

Here’s how China dominates global trade:

BREAKING: 30-year Treasury yield is now above 5%.

Here’s why it matters to you: 1/ Big move in the bond market:

The US 10-year Treasury yield just had its biggest two-day jump since 2022 — rising by 30 basis points.

What’s happening?
China is selling US Treasuries.

Let’s break it down:

11 Clever Personal Finance Rules that will help u save more.

1) Rule of 72
2) Rule of 70
3) 100-Age Rule
4) 50-30-20 Rule
5) 1st Week Rule
6) 6X Rule
7) 20X Term insurance
8) Health Insurance
9) 40% EMI Rule
10) 25X Retirement Rule
11) 4% Withdrawal Rule

Let's dive ⬇️..... 1/ Rule of 72

This rule will tell you in how many years your invested money will double with the rate of return it's earning.

Dividing "72" by the return you earn = No. of years it will take to double your money.

Ex: If you earn 10% interest
72/10 = 7.2 years to double

🔟Rules for Success: 1. Reinvest Your Profits

When you first make money, you may be tempted to spend it. Don’t.

Instead, reinvest the profits.
Buffett learned this early on.

15 Brilliant ways to save money 1. Set saving goals

Sovereign Gold Bond 101

Planning to invest in gold?
SGB is the one you must opt for.

Better than Digital or Physical gold❗

Why?

Here's why 👇 What is SGB?

SGBs are government securities denominated in grams of gold. They are substitutes for holding physical gold. Investors have to pay the issue price in cash and the bonds will be redeemed in cash on maturity. In return, the investor receives a digital certificate.

How to pay off debt faster ⚠️

Do you want to spend the rest of your life paying off loans?

What's the use of your life then? Pay your debts until you get old, then retire without even enjoying your beautiful life⁉️ Don't do this!

So, learn how to repay your debt faster👇 1/ Do you know?

An average American has $90,460 in debt, according to a 2021 CNBC report. That includes all types of consumer debt products, from credit cards to personal loans, mortgages and student debt.

Teenagers, who haven't even started earning yet, are under debt in USA

20 Critical lessons from - Rich dad Poor dad

Many people work very hard in their life, few work 10+ hours a day but eventually do not save much and never get rich.

Robert Kiyosaki, author of the book explains smart ways to escape this “rat race”.
👇 1) For most people, their profession is their income & they live through their work to survive. For rich people, assets they maintain, invest is their income.

The Ultimate guide to Investing in your 20s ‼️

Starting your investment journey in your 20s is the best way to end up becoming millionaire

The Magic of Compounding can only be seen when you have time by your side, they both move hand in hand

Here's how to invest in your 20s 👇 1/ Benefit of Investing early -

✓ Time

While money may be tight, young adults do have one thing going for them: time. The magic of compounding allows investors to generate wealth over time & requires only two things: the reinvestment of earnings & time.

https://twitter.com/MoneyWell_/status/1394586848245141509?s=19

Health Insurance 101

Having a health insurance does not change your life, instead it prevents your lifestyle from being changed ❗

Read this thread so that you can choose the best health insurance plan.

Here's everything you need to know about 'Health Insurance' 👇 1/ First, What is Health Insurance?

A health insurance policy extends coverage against medical expenses incurred owing to accidents, illness or injury. An individual can avail such a policy against monthly or annual premium payments, for a specified tenure.

Warren Buffett's 🔟 Rules for Success - 1. Reinvest Your Profits

When you first make money, you may be tempted to spend it. Don’t. Instead, reinvest the profits. Buffett learned this early on. In high school, he and a pal bought a pinball machine to put in a barbershop.

Liquid funds 101

Few weeks ago, I had posted a thread on 'Emergency fund' in which I told you all to invest 50% of that amount in 'Liquid funds'.

But, why? What's Liquid fund?

Here's everything you need to know 👇 First thing, make sure you follow the basics!

Check out my thread - Mutual Funds 101 - to get the primer about the topic 👇

https://twitter.com/MoneyWell_/status/1398592516371279874?s=19

How to become rich with 9-5 job 💰

This is the easiest way of financial planning specially for beginners
(And for all!)

This is how you'll become rich with 9-5
(Hint : Only If you follow 50-30-20 rule)

Wait....What? What's 50:30:20 rule?

Don't worry. Just read‼️👇 1/ Budgeting - The 1st 🏃 to financial freedom ‼️

If you earn, you need to budget your money.

A budget is telling your money where to go instead of wondering where it went.

Budgeting your money is an investment in your future.

Bonds 102 ( Yield to Maturity )

This week, I posted a thread laying out the basics of bonds - Bonds 101.

I got a lot of questions in my dm about more advance topic - yield to maturity, negative yields - so I'll continue with the series.

Here's Bonds 102 (YTM) 👇 1/ First thing, make sure you follow the basics!

Check out my thread - Bonds 101 - to get the primer about the topic 👇

https://twitter.com/MoneyWell_/status/1401386659292213250?s=19

Bonds 101

If you follow the financial news, you see and hear a lot of talk about bonds.

But what are they and how do they work?

Here’s Bonds 101! 1/ First, some definitions -

A bond is a fixed income instrument that represents a loan made by an investor to a borrower (typically corporate or governmental)...Bonds are used by companies, municipalities, states, and sovereign governments to finance projects and operations.

Mutual funds 101

Haven't you watched 'Mutual Funds Sahi hai' Ad? Obviously, YES!!

But, why is Mutual Funds Sahi?

Here's Mutual funds 101
👇👇👇 What is a Mutual fund?
A mutual fund is a company that pools money from many investors and invests that money in securities such as stocks, bonds, and short-term debt.

A Fund manager is a professional who makes investment decisions on behalf of Mutual fund institutions. (1/n)

Buy a house v/s Rent a house in 2021

Nowadays, a lot of debate is happening about - Owning v/s Renting a house 🔥
Which one will be beneficial in the long run?

Here's a thread to clear out the doubt -
👇👇👇 1/ Many people purchase a house based on comparing themselves with their peers.

Just because your X friend has purchased a house doesn't mean that your standard has reduced.

Don't make the decision from an emotional perspective, rather dive into Financial & Logical angle 🏘️

Compounding 101

Albert Einstein once said, 'Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it.'

Here's how Compounding works
👇👇 1/Some quick definitions :

Simple interest is the interest that is paid only on the initial principal amount.

Whereas,
Compound interest is interest that is paid on the initial principal amount + the accumulated interest from prior periods.

You earn interest on your interest.

Money mistakes that stop you from becoming 'Wealthy' 💰

A Thread 👇👇 1/ Cutting expenses rather than increasing income -
You cannot become rich just by cutting your expenses. Cut your wasteful expenses but focus more on increasing your income. Passive income is one of the way.
Passive income ideas👇

https://twitter.com/MoneyWell_/status/1393821376574722050?s=19

Who wouldn't want an extra source of income? #passiveincome

Here, are the top 8 ideas for Passive income 💰

A Thread 🧵👇 1/ Graphic Designing-
Today, content is the new king. Everyone on social media are creating hell no. of contents and require people who can create attractive images, posters, etc for them. Demand for graphic designer is increasing. Learn graphic designing and work as a freelancer