Hey guys I hope by now you are more informed of what tools you need to defeat personal finance issues you may be having. Simple fixes now can pay off tremendously later, for example starting early with investing, paying yourself first, and having a sizeable emergency fund. All of these things should be a natural component of our personal finance world, but an important factor some of us forget to do on the journey is to spend the money in the right places. For example imagine you could spend money to make money, would you do it? Of course you would.